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Individual Finance · Used Car Finance

Pre-owned car.
Same great finance.

Finance up to 75% of a pre-owned vehicle's value — any make, any model, any registered dealership across Oman. Tenures up to 48 months.

Hero Image
Lifestyle · New Car
75%
Max finance of vehicle value
48mo
Maximum tenure
1hr
Approval 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.

Eligible Vehicles
Pre-owned cars, all makes & models
Vehicle Age
Up to 5 years old at time of application
Finance Amount
OMR 1,000 – OMR 30,000
Finance Cover
Up to 75% of appraised vehicle value
Tenure
6 – 48 months
Down Payment
From 25% of vehicle value
Indicative Rate
From 5.5% p.a. (flat)
Early Settlement
Available — terms apply
Who Can Apply
Salaried employees
Min. OMR 300/month
Professionals
Doctors, lawyers, engineers
Business owners
SME registered in Oman
GCC residents
Valid residency · 6+ months employment
All applicants subject to BCSB credit check. Final eligibility confirmed by your advisor.
Simple process
Three steps to your car

Most approvals complete the same business day. Having your documents ready is the only thing that speeds it up.

01
Submit your application
Call 80008322, WhatsApp 9266 7773, or visit any branch. Share your documents and the details of the vehicle you want to buy.
02
Vehicle inspection & approval
Our team arranges a quick valuation of the vehicle and reviews your application. Most decisions within 1 business day.
03
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.

Finance Amount OMR 15,000
OMR 1,000OMR 50,000
Tenure 36 months
6 months60 months
Estimated Monthly EMI
OMR 456
per month · 36 months · OMR 15,000
Finance Amount
OMR 15,000
Total Interest
OMR 2,475
Total Repayment
OMR 17,475
Indicative Rate
5.5% p.a.
Indicative only — final rate confirmed by your advisor. Subject to credit approval.
Happy with these numbers? Leave your details and an advisor calls you back — or WhatsApp us directly on 9266 7773.
What to prepare
Documents required

Four documents. That's all. Have these ready and your application can be processed in as little as 1 hour.

01
National ID or Residence Card
Original + copy. Omani national ID or valid GCC residence card. Must be current and not expired.
Identity
02
Salary Certificate
Original, issued within the last 3 months. Must clearly show your name, employer, and monthly salary.
Income
03
Bank Statements
Last 3 months. Required for all applicants to verify salary credits and existing commitments.
Financials
04
Vehicle Registration & Sale Agreement
Current vehicle registration card (Mulkiya) and sale agreement or dealer quotation showing make, model, year and price.
Vehicle
The application form is included in your document pack. Your advisor will confirm if anything else is needed for your specific situation.
Common questions
Frequently asked questions
What year of vehicle can I finance?

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.

Can I buy from a private seller?

UFC primarily works with registered dealerships. Private sales may be considered on a case-by-case basis — speak to your advisor.

How is the vehicle value determined?

UFC arranges an independent valuation. Finance is based on the appraised value, not the asking price. You can finance up to 75% of the appraised figure.

How long does approval take?

Most applications are decided within 1 business day. Having all documents ready when you apply significantly speeds things up.

Can I settle my finance early?

Yes. Early settlement is available on all products. Charges and rebates apply per UFC's standard schedule in line with Central Bank of Oman regulations.

Ready to apply?
Get your car.
Start today.
Application
Form PDF
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