Eligible Vehicles
Pre-owned cars, all makes & models
Used Car Finance
80
%Max finance of vehicle value
48
moMaximum Tenor
1
hrApproval in as little as
5.5
%Indicative rate from p.a.
Product Details
What you need to know
Full terms at a glance. Your advisor walks through the exact figures once you're ready to apply.
Vehicle Age
Up to 12 years (from first registration)
Finance Amount
1,000 – 30,000
Finance Cover
Up to 80% of appraised vehicle value
Tenor
6 – 48 months
Down Payment
From 20% of vehicle value
Indicative Rate
From 5.5% p.a. (flat)
Early Settlement
Available — terms apply
Terms and Conditions apply in accordance to Central Bank of Oman regulations
Simple process
Three steps to your Used Car
Most approvals complete the same business day. Having your documents ready is the only thing that speeds it up.
Submit your application
Call 8000 83 22, WhatsApp 9266 7773, or visit any branch. Share your documents and the details of the vehicle you want to buy.
Vehicle inspection & approval
Our team arranges a quick valuation of the vehicle and reviews your application. Most decisions within 1 business day.
Drive away
Sign your finance documentation and funds are disbursed directly to the seller or dealer. You collect the keys.
Funds disbursed directly to the dealer — no cash handling required. Subject to credit approval.
Car Finance Calculator
Estimate your monthly payment
Move the sliders to find a number that works for you. Your advisor confirms the exact rate when you apply.
What are you financing?
15,000
1,000 30,000
36 months
6 months48 months
Estimated Monthly EMI
454
Per month · 36 months · 15,000
Finance Amount
15,000
Total Interest
1,330
Total Repayment
16,330
Indicative Rate
5.6% p.a.
Happy with these numbers?
Leave your details and anadvisor calls you back
Application Checklist
Ready to Apply?
Four documents. That's all. Have these ready and your application can be processed in as little as 1 hour.
National ID or Residence Card
IdentityOriginal + copy. Omani national ID or valid GCC residence card. Must be current and not expired.
Salary Certificate
IncomeOriginal, issued within the last 3 months. Must clearly show your name, employer, and monthly salary.
Bank Statements
FinancialsLast 3 months. Required for all applicants to verify salary credits and existing commitments.
Vehicle Registration & Sale Agreement
VehicleCurrent vehicle registration card (Mulkiya) and sale agreement or dealer quotation showing make, model, year and price.
The application form is included in your document pack. Your advisor will confirm if anything else is needed for your specific situation.
FAQ
Frequently asked questions
UFC finances pre-owned vehicles up to 5 years old at the time of application. The vehicle must be in good condition and pass a basic inspection arranged by UFC.
REGULATED & COMPLIANT
