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Terms & Conditions

Last updated: 23 October 2026

These Terms and Conditions (the "Terms") govern your access to and use of the website lease2own.ae, including all of its pages, forms, calculators, the chat assistant and the blog (together, the "Website"). By using the Website you confirm that you have read, understood and agree to these Terms. If you do not agree, please do not use the Website.

1. About us

The Website is operated by Lease to Own Car Rental L.L.C. ("Lease2Own", "we", "us" or "our"), a limited liability company holding Commercial License No. 1296004 issued by the Department of Economy and Tourism, Dubai.

  • Registered office: Office 3-13, Abdulrahman Hassan Mohammed Al Rostamani Building, Al Wasl, Dubai, United Arab Emirates
  • Postal address: P.O. Box 33890, Dubai, UAE
  • Phone and WhatsApp: +971 55 841 9863
  • Email: info@lease2own.ae

2. Use of the Website

You may use the Website for lawful purposes only, to learn about our services, to calculate sample payments, to submit an application, to contact us and to read our articles. You agree not to:

  • use the Website in any way that breaches applicable laws of the United Arab Emirates, including Federal Decree-Law No. 34 of 2021 on Combatting Rumours and Cybercrimes;
  • submit false, misleading or third-party information or documents without authorisation;
  • attempt to gain unauthorised access to the Website, its servers or any connected system, or interfere with its normal operation;
  • use automated tools (bots, scrapers, crawlers) to extract content or data from the Website without our prior written consent, other than standard search engine indexing;
  • upload any file containing viruses, malware or other harmful code;
  • use the chat assistant or any form to send spam, abusive, offensive or unlawful content.

We may suspend or restrict access to the Website, or any part of it, at any time and without notice, for maintenance, security reasons or if we believe these Terms have been breached.

3. Nature of our service

Lease2Own provides car rental under an operating lease with a purchase option. We are not a bank, a finance company or a lender, and we do not grant loans, credit facilities or any other form of financing. No interest is charged under our lease agreements.

In outline, our model works as follows:

  1. You choose a car offered by a dealer, showroom, private seller or online marketplace.
  2. After approval, we purchase the car in our own name and lease it to you for an agreed term.
  3. You make an initial payment and fixed monthly lease payments for the duration of the term. The car remains our property during the lease.
  4. After the last monthly payment you may exercise the purchase option by paying a purchase option fee of AED 1,000, after which the car is transferred to your name.
  5. After 12 months of the lease you may request an early buyout by giving us one month's notice. The early buyout settlement consists of the residual value of the car, a technical fee, the AED 1,000 purchase option fee and a one-time exit fee, which depends on the lease term.

The precise rights and obligations of each party, including payment amounts, fees, insurance, maintenance and the consequences of late payment or early termination, are set out exclusively in the signed lease agreement.

4. Applications and preliminary offers

Submitting an application through the Website, by phone, by WhatsApp or through the chat assistant is a request for us to review your circumstances. It does not create a contract and does not oblige either you or us to enter into a lease.

Any preliminary offer, estimate or indicative figure that we share with you after reviewing an application is provided for information only and is not binding. Our decision and the final terms depend, among other things, on:

  • the specific car chosen, including its age, condition, mileage, market value and the documents provided by the seller;
  • the documents and information you provide, including your identity documents, income and bank statements and your AECB credit report;
  • results of identity verification and checks required under UAE anti-money laundering and know-your-customer rules;
  • the availability of comprehensive insurance for the car and for you as the driver.

We may decline an application at our discretion and are not required to give reasons. Final terms become binding only when a lease agreement is signed by both parties.

5. Eligibility

Our standard conditions, which may be changed at any time and are confirmed only in the lease agreement, include:

  • you must be at least 24 years old;
  • you must hold a valid UAE driving licence or a driving licence recognised in the UAE;
  • the car must be no more than 4 years old;
  • an initial payment starting from 20% of the car's price, or 25% if the seller cannot provide a Tax Invoice, in which case a 5% VAT adjustment also applies;
  • comprehensive insurance arranged through one of our approved partner insurers under our fleet policy and paid separately by you.

During the lease you are responsible for Salik tolls, traffic fines, black points and routine maintenance of the car. Traffic fines received by us as the registered owner are re-invoiced to you and must be paid within 3 business days. Driving the car outside the UAE requires our prior written consent. Payments may be made in cash, by bank transfer, by card, in cryptocurrency or via an online payment link, as agreed with us.

6. Your obligations

When you use the Website or submit an application, you agree that:

  • all information you provide is true, accurate, complete and up to date;
  • you will upload only your own documents, or documents you are lawfully authorised to share, such as your Emirates ID, passport, AECB credit report and bank statements;
  • you will promptly inform us of any change to the information you have provided;
  • you will keep any links, codes or credentials we send you confidential.

Providing false or forged information or documents may result in the immediate rejection of your application or termination of any agreement, and may be reported to the competent authorities.

7. Calculators and content

Payment calculators, examples, tables and figures shown on the Website are samples for illustration only. They are based on assumptions that may not match your situation, and they do not constitute an offer, a quotation or a commitment by us. Actual amounts depend on the car, its price, the term, the initial payment, insurance costs and other factors, and are confirmed only in the lease agreement.

Articles on our blog and other general content are provided for information purposes. While we try to keep them accurate and up to date, they do not constitute legal, financial, tax or other professional advice. You should take independent advice where appropriate before making any decision.

8. Partner requests

Car dealers, showrooms, brokers and other businesses may submit a partnership request through the Website. Submitting such a request does not create any partnership, agency, commission entitlement or other relationship. Any cooperation is subject to a separate written agreement signed by both parties. Partners may not represent themselves as acting on our behalf or make any promise about our decisions or terms to their customers.

9. Chat assistant

The Website includes an AI-powered chat assistant that can answer general questions about our service and direct you to the online application. The assistant is operated using technology provided by a third-party AI provider (Anthropic).

  • Answers are generated automatically and are provided for information only. They may be incomplete or inaccurate and do not constitute an offer, approval, advice or a commitment by us.
  • The assistant cannot approve applications, agree on terms or amend any agreement. Only our team can do so, and only in writing.
  • Conversations are stored and may be reviewed by our team to respond to you and to improve our service, as described in our Privacy Policy.
  • Please do not share identity document numbers, bank card details, passwords or other sensitive information in the chat.

10. Intellectual property

All content on the Website, including texts, articles, graphics, logos, the Lease2Own name and brand, images, calculators, page layouts and software, is owned by or licensed to Lease to Own Car Rental L.L.C. and is protected by UAE and international intellectual property laws, including Federal Decree-Law No. 38 of 2021 on Copyrights and Neighbouring Rights.

You may view and print pages of the Website for your own personal, non-commercial use. You may share links to our articles. Any other reproduction, distribution, modification or commercial use of Website content requires our prior written consent.

11. Links to third-party websites

The Website may contain links to, or references to listings on, third-party websites, such as dubizzle, DubiCars, YallaMotor, dealer and manufacturer websites, insurers and government portals. These links are provided for convenience only. We do not control and are not responsible for the content, accuracy, availability, prices or privacy practices of those websites, and a link does not mean that we endorse them or any car or seller listed there. Your use of third-party websites is subject to their own terms.

12. Limitation of liability

The Website is provided on an "as is" and "as available" basis. To the fullest extent permitted by UAE law:

  • we do not guarantee that the Website will be uninterrupted, error-free or free of viruses, or that its content is complete or up to date;
  • we are not liable for any loss or damage arising from your reliance on calculators, sample figures, blog articles, chat assistant answers or other Website content;
  • we are not liable for any indirect, incidental or consequential loss, loss of profit, loss of opportunity or loss of data arising from your use of, or inability to use, the Website;
  • we are not responsible for the acts or omissions of sellers, dealers, marketplaces or other third parties.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under the laws of the United Arab Emirates. Our liability in relation to a lease is governed solely by the lease agreement.

13. Indemnity

You agree to compensate us for any loss, claim or expense, including reasonable legal costs, that we incur as a result of your breach of these Terms or your submission of false information or documents.

14. Changes to these Terms

We may update these Terms from time to time to reflect changes in our services, the Website or the law. The updated version will be published on this page with the date of the last update. Your continued use of the Website after changes are published means that you accept the updated Terms.

15. Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or the Website are governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai. The courts of Dubai have exclusive jurisdiction to settle any such dispute. If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force.

16. Contact us

If you have any questions about these Terms, please contact us:

  • By email: info@lease2own.ae
  • By phone or WhatsApp: +971 55 841 9863
  • By post: Lease to Own Car Rental L.L.C., Office 3-13, Abdulrahman Hassan Mohammed Al Rostamani Building, Al Wasl, Dubai, UAE, P.O. Box 33890