Buying a Car in Dubai: Full Process for Expats

Start strong: what expats need to know first

For ambitious professionals relocating to Dubai, having a car can transform daily life from day one. This guide explains the full process clearly so you know exactly what to prepare, what it costs, and how to avoid delays. It is written for expats at any stage of their move, from early planners to those ready to purchase within 24 hours.

The complete path from choosing to driving away

As an expat, the first non-negotiable is residency. You will need a valid UAE residence visa and Emirates ID to register and insure a vehicle. Without these, the car cannot legally be driven. If you are buying new, dealerships typically handle most paperwork once you have your Emirates ID, passport copy, UAE driving license, and insurance policy ready. For used cars, you will also need the previous registration card and an inspection certificate from an authorized testing center, particularly if the vehicle is over three years old.

Insurance comes before registration. Comprehensive cover is required by law and is usually arranged swiftly, with many dealers bundling it into the process. With insurance in hand, head to the Roads and Transport Authority (RTA) to complete registration. Expect fees around AED 420 for registration, AED 95 for ownership transfer, AED 46 for inspection where applicable, and AED 60 to open a traffic file if it is your first time. New plates are issued on the spot for brand-new vehicles.

Financing is straightforward but requires planning. Banks typically ask for a 20% down payment, a salary certificate, three months of bank statements, and sometimes a salary transfer to the lender’s bank. Terms usually range from one to five years, with rates varying by profile and employer. If you are buying with cash and have all documents ready, you can complete purchase, insurance, and registration within a single day.

If you hold a license from one of the approved countries, you can exchange it without a road test. Otherwise, you will need to pass the UAE driving test. Be sure your license matches the emirate of your residency.

Speed and clarity are Dubai’s advantages. With the right preparation, the process is efficient and cost-effective compared with many global markets.

How ARK makes it effortless

At ARK, we streamline your move to Dubai so transportation is never a bottleneck. We help you secure your residence visa and Emirates ID quickly, set up a local bank account for financing, and coordinate with trusted dealers and testing centers. Our team manages timelines, verifies documents, and keeps you compliant at every touchpoint, from insurance selection to RTA registration. Whether you want a new or used car, cash or finance, we line everything up so you can arrive, buy, and drive with confidence.

Next steps to get moving

1. Speak with ARK to map your relocation timeline and car goals.
2. Start residency setup to secure your UAE residence visa and Emirates ID.
3. Open a UAE bank account and prepare salary certificate and statements.
4. Decide on new vs used and shortlist models that fit your budget.
5. Get insurance quotes aligned with lender and RTA requirements.
6. Book inspection for used cars and clear any outstanding traffic fines.
7. Visit RTA for registration, ownership transfer, and plates.
8. Drive away and set reminders for renewal and periodic inspection.

Useful insights to save time and money

If you are timing your purchase, watch for promotions during Ramadan, public holidays, summer, and year-end when dealers offer attractive packages. Used cars can present strong value due to faster depreciation, while luxury models are often priced lower than in many countries. Registration fees remain affordable by global standards, which helps with ongoing ownership costs. The RTA app and service centers make renewals and fine checks simple. If you are new to the UAE, confirm license eligibility for exchange to avoid delays, and always ensure insurance is in place before you leave the showroom. With planning, the entire process - from selection to plates - can be wrapped up in as little as 24 hours.