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SME/COMPANIES

At Ayan, we're committed to helping small and medium enterprises thrive. Our vehicle financing solutions are designed to fit your business needs, whether you're looking to expand your fleet or upgrade your company cars. With competitive rates, flexible terms, and a dedication to ethical financing, we're your partner in driving your business forward.

Competitive rates
Flexible terms
Shariah-compliant financing
Support for fleet expansion
Calculate pricing ->
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PRIVATE HIRE DRIVERS

Whether you're an Uber, Bolt, or FreeNow driver, Ayan has your back. 
We offer Sharia-compliant financing for a wide range of vehicles, from fuel-efficient hybrids to spacious SUVs. With weekly payments that adapt to your earnings, you can drive with confidence knowing that we're here to support you every step of the way.

Sharia-compliant financing
Adaptable weekly payments
Choose any car from any dealer
Support for Uber, Bolt, FreeNow, and more
Calculate pricing ->
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PREMIUM VEHICLES FOR CHAUFFEURS

At Ayan, we understand the unique needs of chauffeurs. Our flexible financing options allow you to choose the perfect vehicle to impress your clients and grow your business. With no hidden fees and a straightforward application process, we make it easy for you to get behind the wheel
and focus on providing exceptional service.

Access to premium vehicles
Flexible payment plans
No hidden fees or penalties
Quick approval process
Calculate pricing ->
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Got questions? +44 20 3802 0292
Give us a call
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Halal car finance built for you.

Shariah-compliant car finance, open to anyone to apply (subject to status)
Trustpilot
Apply now
*Rates from as low as 7.9% APR, Representative 11.9% APR. Ayan doesn't charge interest — APR shown for comparison
Vertu Used Car Sale, must end 16th November: £500 off any Vertu used car or van, plus £500 more if you part-exchange — £1,000 for you. Start your journey.

*£500 off every Vertu used car and van (from last selling price prior to the event), and £500 more for your part-exchange, on top of the vehicle valuation you receive from us. Applies to purchases ordered by 16/11/2026 & delivered/received by 30/11/2026. Vehicle criteria apply to part-exchanges, including minimum value and maximum age. VAT will still apply, where applicable. All trading companies are subsidiaries of Vertu Motors plc and are authorised and regulated by the Financial Conduct Authority.

Car finance made simple

A new, easy and speedy way to finance your car - the halal way

Transparent

Everything is clear, no surprises

Halal

Built on Islamic finance principles, made for everyone

Fair

No penalties, no compromise

1. Apply & view your plan

Apply online and get a quick decision. Once approved, explore your personalised plan with clear terms and flexible options.

2. Add car details

Tell us about the car you’ve chosen. We’ll show a complete report so you can review everything with confidence.

3. Enter dealership bank details

Provide the dealer’s bank details securely. We send the payment straight to the dealership.

4. Pick up & go

Dealer paid. Collect your car. Drive safe.

1. Apply & view your plan

Apply online and get a quick decision. Once approved, explore your personalised plan with clear terms and flexible options

2. Add car details

Tell us about the car you’ve chosen. We’ll show a complete report so you can review everything with confidence

3. Enter dealership bank details

Provide the dealer’s bank details securely. We send the payment straight to the dealership

4. Pick up & go

Dealer paid. Collect your car. Drive safe

You're in good hands

Trustpilot

Car finance built around you

Choose from 8,000+ dealerships across the UK
Apply now
Representative 11.9% APR

How does Islamic financing work?

1

Ayan remains the owner of the vehicle during the lease period

2

The client makes monthly payments throughout the lease term

3

Each payment contributes to: Rent for using the vehicle (this is Ayan's revenue) and the client's path to eventual ownership

4

At the end of the lease, ownership is transferred to the client, as per the agreement.
Have a closer look at our core principles here

Ownership transfer timeline

At the end of the contract, a separate Sale & Transfer agreement is signed to legally transfer the ownership of the vehicle to you, and if you have met your Ijara obligations, there is nothing left to pay.

Backed by experience you can trust

200,000+

have started their journey with us

12 years

experience in Islamic finance

10 million+

customers trust Alif, built by our founders

The Ayan team together in the Uzbekistan officeThe Ayan team together in the London office

Halal by structure, not by label

We do not lend you money. We buy the car, then lease it to you until you own it. The profit is earned on a real asset, not on time.

🚗 We buy the car

Outright, from the dealer you choose. We own it.

📄 You lease it

A fixed monthly rental, agreed in full before you sign.

🔑 You own it

Ownership transfers to you at the end of the term.

🚘 Asset-backed

Tied to a vehicle we own, not a loan of money.

🚫 Riba-free

No interest at any stage, an agreed rental-profit instead.

🔍 No uncertainty (gharar)

Every cost fixed and disclosed before you sign.

✅ Audited

Alhamd Advisory and Amanah Advisors, against AAOIFI standards.

What you need to know

The answers people look for before starting an application.

📍 Where we operate

England, Scotland and Wales. Not Northern Ireland yet.

🚗 What we can finance

Any car from any approved dealership in line with your approval terms.

👥 Who we finance

Anyone, regardless of faith. Subject to status and affordability.

⏱️ How long it takes

About two minutes to apply. Soft search only, so no impact on your credit score, and same-day funding is available.

Ready to find your car?

Shariah-compliant car finance, open to anyone to apply. No interest at any stage, and every cost is fixed and disclosed before you sign.
Apply now
Representative 11.9% APR-equivalent. Subject to status and affordability checks.

Come see us in London

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We're at:
4th Floor, 1 Kingdom Street
Paddington Central,
London W2 6BD
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Contact us:
Make an appointment via phone or WhatsApp:
+44 20 3802 0292
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Open:
9AM - 6PM everyday

Come see us in London

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Questions?
Answers.

See all
What is halal car finance?
How does Halal car finance work?
Can non-Muslims apply for Ayan’s Halal car finance?
Is Ayan’s Halal car finance available across the UK?
Is Ayan Shariah-compliant?
Isn’t Ayan’s Ijara wa Iqtina, just a hire purchase?
Is my credit score affected when applying for car finance with Ayan?
How quickly can I get my car financed by Ayan?
Do the monthly payments include insurance or warranty?
Can I make lump-sum payments?
Does Ayan have cars in stock?
Products
Personal Use
For Business
Resources
Shariah Compliance
About Us
FAQ
Blogs
Building a Halal Alternative: The Core Principles Behind Ayan’s Car Finance
How to SORN Your Car in the UK: Declare a Car Off the Road the Right Way
Winter Driving Tips Every UK Driver Should Know
What Oil Goes in My Car? (UK Guide to Engine Oil Types)
Got questions? Message us on WhatsApp
+44 20 3802 0292

© 2026 Ayan Capital Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 1022208). Registered in England & Wales, (Company No.: 15123809) with the office at 20 Wenlock Road, London, England, N1 7GU. Compliant with Data Protection Regulations 2018 under registration ZB613240. FCA regulation applies only to certain regulated activities, and not to all services provided by Ayan Capital Ltd.
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Ayan Capital 1 Ltd is registered by the Financial Conduct Authority as an Annex 1 financial institution for anti-money-laundering purposes only (Firm Reference Number: 1021505). Registered in England & Wales (Company No.: 15996246) with its registered office at Mitchell Charlesworth, 3rd Floor, 44 Peter Street, Manchester, United Kingdom, M2 5GP. Compliant with Data Protection Regulations 2018 under registration ZB871398. All services provided by Ayan Capital 1 Ltd are unregulated.
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As a responsible finance provider, we assess all applications carefully to ensure affordability and suitability. All credit is subject to status, affordability checks, and terms and conditions.

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