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

HOW IT WORKS

How Ayan's ‍model works

Our business purposes 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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You have the right to purchase the vehicle from us at any time by paying the outstanding vehicle balance. We will not charge you any future rent or termination fees in this case.

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At the end of the term, you can purchase the vehicle from us without any baloon payment. For Sharia-compliance, the sale and transfer agreement is executed separately.

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 FOR PHV, PCO AND OTHER BUSINESSES.

Transparency

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

Fairness

Your every payment builds towards 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.

CALCULATE YOUR WEEKLY PAYMENTS

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REAL STORIES FROM REAL
DRIVERS

I had an amazing experience with Ayan Capital.

I had an amazing experience with Ayan Capital. Once my application was approved, I received fantastic support in choosing and purchasing my car. The terms of the agreement were clear, and the fact that they adhere to Sharia principles of finance gave me, a non-Muslim, additional confidence in financing my vehicle through them. A special thanks to Salman for his assistance in buying my new car.

Constantin

The application was very easy and straightforward—they made me feel comfortable and valued.

Firstly I would like to say a big big thank you to Ayan capital and their team for helping me secure the funds needed to buy a car, the application was very easy and straightforward they made me feel comfortable and valued. I would also like to say a massive thank you to Shehrez and all the support he gave me during the process he helped me every step of the way and made sure I understood everything, and was happy with everything. Shehrez went over and beyond to make sure the purchase went through smoothly from Ayan capitals side and he was very patient as there was issues with the dealership which Shehrez sorted out as best as possible. I’m very very grateful for his help and time taken to ensure I got the car as quick as possible. Once again thank you all very much and I will definitely recommend anyone looking to buy a car to deal with Ayan capital, may Allah bless you all and help your company expand as big as possible.

Hisham Wareth

The best in the business!

If you’re looking for a finance company that’s knowledgeable, honest, and reliable, look no further. This team has taken my finances to a level I never thought possible. They work tirelessly to find the best solutions for me and always keep my interests at heart. I’m beyond grateful for their support—if I could give them 10 stars, I would! Finding a finance company you can trust is rare, but I found it here. They are completely transparent about fees, in, and risk factors, which gave me peace of mind from the start. They go above and beyond to ensure I’m making informed decisions every step of the way. If you want a team that truly cares, this is the place. Thank you again!! Gabor

Gabor

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

DRIVING CHANGE, ONE CUSTOMER AT A TIME

The Ayan team combines decades of expertise in Islamic finance and tech.

ABOUT AYAN

10 years
of experience

3 million
people served

Lenders, not brokers

SEE ALL

Understanding our sharia-compliant business car financing

How Ayan's ‍model works

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