Ayan—100% Sharia-Compliant rent to buy for UK's PHV, PCO and Business drivers

HOW IT WORKS

How Ayan's ‍model works

Our rent-to-buy (Ijara wa Iqtina) model is designed to be 100% Sharia-compliant

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We purchase the vehicle you choose  and rent it out to you.

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You make regular payments to use the vehicle.

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Each payment contributes towards your ownership of the vehicle.

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At the end of the term, you own the vehicle outright.

For more details about Ijara please see AAOFI 9

Key features of our
Sharia-compliant model

1. No Riba (interest)

We don't charge interest on your payments.

2. No Penalties

We can only ask you  to make a donation  to a charitable cause.

3. No Gharar (uncertainty)

All terms are clear and upfront.

4. Asset-backed financing

Your payments are tied to a real asset (the vehicle).

FAIR FINANCE open for everyone.

Transparency

No hidden fees, no comissions. We earn only from the rent.  Our revenue is visible to you.

Fairness

Your every payment builds equity in the car.

Flexibility

Our model adapts to your financial situation, with options for payment breaks.

Our Sharia
‍certification

Our model is certified by Alhamd Shariah Advisory, a trusted authority in Shariah compliance. This certification reflects our unwavering commitment to ethical financial practices.

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REAL STORIES FROM REAL
DRIVERS

Brilliant company and would definitely recommend!

The whole process was easy with Ayan Capital from the initial query to having my car , the entire team are professional, offering advice where required. I am grateful to Ayan Capital who are very transparent with investments. The opportunities presented are incredible . I received a timely response from Ayan for any kind of help. I appreciate their customer service and high standards for themselves and their customers. If I buy another car in the future , I would be going back to Ayan Capital.

Enamul Hassan Tipo

Ayan Capital: A Lifesaver and the Best in Halal Finance!

«...but what truly sets Ayan apart is what happened on the day I went to pick up the car. There was an attempt by someone (either within the dealership or externally) to defraud me of over £50,000. This could have financially ruined me, but thanks to Ayan Capital’s vigilance and expertise, they identified the issue immediately. Their team launched a thorough investigation, escalated the matter to the dealership’s director, and resolved the issue—all while ensuring I could still take home the car I had my heart set on. Ayan Capital didn’t just help me buy a car—they saved me from disaster. Their professionalism, care, and determination to protect their clients go far beyond what you’d expect from any finance company»

Foysol Hissain

They are very reliable, honest and operate with integrity

I love my experience at Ayan Capital. Super-friendly staff. Their staff is not only friendly but also highly skilled. I was completely impressed with their professionalism and customer service. I recommend them to anyone who is looking for Islamic Halal car finance.

Shamsul Haque

For any PCO driver looking for a trustworthy and halal-friendly car solution

“Being a PCO driver, finding a Halal-compliant car scheme that aligns with my values seemed like a challenge until I discovered Ayan Capital. Their rent-to-buy car scheme has been a game-changer for me. I get to choose any car I want, and they take care of the purchase and rental process. The best part? It's all Halal-compliant. ”

abumuadh213

Thank you very much for the kind attention and all the effort

“The only thing a have to say to Ayan capital, Mr Furkat and Mr. Abdullo is thank you very much for the kindness attention and all the effort. You are the best️”

Joao Donizette da Silva

DRIVING CHANGE, ONE CUSTOMER AT A TIME

The Ayan team combines decades of expertise in Islamic finance and tech. As part of the Alif Group, we've empowered 3 million customers worldwide. Ayan is creating a community-driven financial ecosystem to make values-driven vehicle financing accessible for everyone.

ABOUT AYAN

10 years
of experience

3 million
people served

Lenders, not brokers

SEE ALL

Understanding our sharia-compliant car financing

How Ayan's ‍model works

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