Ayan—100% Sharia-Compliant Car Financing

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.

Closing the £700 billion gap in the financial sector—lack of trust in traditional banks

GET BEHIND THE WHEEL IN JUST 4 STEPS

1. Apply online

Fill out our simple online application. No impact on your credit score.

2. Get approved

Our team will review your application and provide a decision within 48 hours.

3. Pick your car

Once approved, select your vehicle from any reputable UK dealer.

4. Drive away

Make your deposit, sign your agreement, and start driving your new car!

CALCULATE YOUR WEEKLY PAYMENTS

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REAL STORIES FROM REAL
DRIVERS

“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

“He was nothing but a friend throughout the entire process”

Finding the car, financing it, and going through the numbers was an incredible experience. I managed to get a Tesla Model X P90 through Ayan Capital, and I'm very thankful.

Afsal Thorappa

“If I buy another car in the future, I would be going back to Ayan”

“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 is professional, offering advice where required. I appreciate their customer service and high standards for themselves and their customers.”

Enamul Hassan Tipo

“Great service thank your very much”

“Great service, thank you very much for making this experience so pleasant and hassle-free. Your efforts are greatly appreciated!”

Zaid Anwar

“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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