بِسْمِ ٱللَّٰهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
Personal Halal Finance Shariah-Compliant

Personal car finance. The Halal way.

Finance the car that fits your life through an Ijara wa Iqtina structure designed around Islamic finance principles, with no riba, a real underlying asset and a clear path towards ownership.

No Riba
Asset-Backed
Clear Ownership Path
Check My Eligibility
Initial eligibility check uses a soft search, with no impact on your credit score.
Your Halal Finance Structure Ijara wa Iqtina
Live
ChooseYour car
IjaraAgreed rental
IqtinaOwnership
Car available through Personal Halal Finance
Personal Finance Built around your journey
No Riba
Ijara wa Iqtina
Real Asset
Path to Ownership
Personal Halal Finance

Finance the car that fits your life

Your car plays a different role at every stage of life. It might take you to work each morning, give your family more room, or help you make the move to a newer and more efficient vehicle.

Personal Halal Finance gives you a way to fund that next car through an Islamic finance structure, with the vehicle at the centre of the arrangement and a clear journey towards ownership.

PERSONAL FINANCE, DIFFERENTLY STRUCTURED An asset-backed approach designed around Islamic finance principles rather than interest-based borrowing.
No Riba Islamic structure
Real Asset Linked to the vehicle
Ownership Clear journey ahead
Made for personal journeys

Your next car, financed around your values.

Family travelling together with Personal Halal Finance
Family Life Space for what matters
Everyday Driving Built around your routine
Islamic Principles Finance aligned with your values
حلال
Personal Halal Finance

Who is Personal Halal Finance for?

Personal Halal Finance is designed for individuals looking to finance a car for their own everyday needs while following an Islamic finance structure.

Whether you need a car for work, family life, an upgrade or a move to electric, the finance journey can be structured around the vehicle through Ijara wa Iqtina.

01 Everyday Use
DAILY DRIVERS & COMMUTERS

Need a reliable car for everyday travel?

For people who need a vehicle for commuting to work, appointments, shopping and normal day-to-day journeys.

Suitable for personal everyday use
02 Family Use
FAMILIES

Need more space for family life?

For individuals and families looking for a more practical vehicle with additional space, comfort and flexibility for everyday journeys.

More Space For everyday family needs
More Comfort For longer journeys
03 Upgrade Your Car
REPLACING OR UPGRADING

Ready to change your current vehicle?

For people replacing an older car or moving to something newer, more comfortable or better suited to their current needs.

Current Car Next Car
04 Electric & Hybrid
ELECTRIC & HYBRID BUYERS

Thinking about switching to electric or hybrid?

For drivers who want to move to an EV or hybrid while keeping their car finance structured around Islamic principles.

MOVE TO EV Halal Finance
Personal Halal Finance Ijara wa Iqtina
LOOKING FOR A CAR FOR PERSONAL USE? See whether Personal Halal Finance could work for you.
Check My Eligibility
Initial eligibility check uses a soft search, with no impact on your credit score.
How Personal Halal Finance Works

From choosing your car to becoming the owner.

Personal Halal Finance follows a clear journey built around Ijara wa Iqtina. Each stage has a defined purpose, so you understand how the arrangement progresses before you commit.

01 Start here
Eligibility

Check if you are eligible

Start with an initial eligibility check so you understand your position before moving further into the application journey.

Soft search initially
02 Your choice
Choose

Find the car that suits you

Choose a vehicle that fits your needs, whether that means daily commuting, family use, executive travel or going electric.

Vehicle at the centre
03 Ijara
Ijara

Begin the agreed arrangement

Your finance is structured around the vehicle with agreed terms established from the outset, creating a clear and understandable payment journey.

No riba
04 Ownership
Iqtina

Complete the path to ownership

At the end of the agreed finance journey, ownership transfers according to the Iqtina arrangement, completing your route to owning the vehicle.

Your car
A Clear Personal Finance Journey

Know what happens next, before you begin.

No Riba
Ijara wa Iqtina
Path to Ownership
Check My Eligibility
PERSONAL HALAL FINANCE

Your car. Your values.

Car available through Personal Halal Finance
STRUCTURED AROUND Islamic finance principles
Choose
Ijara
Own
Why Personal Halal Finance?

Car finance with clear principles.

Personal Halal Finance is designed to give you a clear way to finance your vehicle while following an Islamic finance structure. You know what the arrangement is based on, how it works and the route towards ownership.

Structured without riba

The finance follows an Islamic structure rather than conventional interest-based lending.

Connected to a real vehicle

The car is the real underlying asset at the centre of the finance arrangement rather than the transaction being based only on borrowed money.

Terms agreed from the outset

Understand the finance structure, agreed rental arrangement and ownership journey before moving forward.

A defined path to ownership

Ijara wa Iqtina provides a clear route from using the vehicle under the agreed arrangement to ownership at the agreed completion point.

SIMPLE PRINCIPLE Know how your car finance is structured before you commit.
Our Model

Ijara wa Iqtina

A Shariah-compliant route to owning your car: you use the vehicle through an agreed Ijara arrangement, then ownership transfers to you through Iqtina at the agreed completion point.

No Riba Real Asset Clear Ownership Path
HOW THE STRUCTURE WORKS

From using the vehicle to owning it.

Ijara covers the agreed use of the vehicle during the finance term. Iqtina is the agreed transfer of ownership at completion.

01 إجارة

Ijara

The Rental Stage

The vehicle you choose is purchased and made available to you under an agreed rental arrangement. You use the car during the term while the finance provider remains the owner throughout the Ijara stage.

✓ Real vehicle ✓ Agreed rental
Agreed Term

You use the vehicle throughout the agreed Ijara period.

Terms agreed from the outset
02 اقتناء

Iqtina

The Ownership Stage

At the agreed completion point, ownership of the vehicle transfers to you through Iqtina. The route to this transfer is established as part of the agreement from the outset.

✓ Agreed transfer ✓ Vehicle becomes yours
IMPORTANT TO UNDERSTAND Ownership does not build up month by month.

You progress through the agreed Ijara term. Ownership transfers at the agreed completion point through Iqtina.

Your Path to Ownership

Select a stage
Iqtina: ownership transfers to you.

Once the agreed term has been completed, ownership of the vehicle transfers to you through the agreed Iqtina arrangement. The car becomes yours.

The Principles Behind the Model

Three principles shape the agreement.

These principles explain why the structure is different from conventional interest-based borrowing.

01
No Riba

Structured without interest on money lent.

Personal Halal Finance uses an Ijara-based arrangement linked to the vehicle instead of structuring the transaction as conventional interest-bearing cash borrowing.

Islamic finance structure
02
Asset-Backed

Built around the actual vehicle you choose.

The agreement is connected to a real, identifiable car. The vehicle is the underlying asset at the centre of the finance structure rather than simply an abstract amount of borrowed money.

Real underlying asset
03
Path to Ownership

The destination is clear from the outset.

The agreement includes a defined route towards ownership, with the vehicle transferring to you through Iqtina when the agreed completion point is reached.

Defined ownership journey
CLEAR BEFORE YOU COMMIT Your exact rental, term and ownership arrangements are confirmed as part of your agreement.
Ijara Agreed Term Iqtina
Understanding The Structure

What makes this finance Halal?

The difference is not simply the monthly payment. It is how the finance itself is structured around the vehicle.

Personal Halal Finance uses Ijara wa Iqtina, creating an asset-based journey from use of the vehicle towards ownership.

Personal Halal Finance

Ijara wa Iqtina

Asset-Based
01
A real vehicle

The finance is connected to the car itself.

02
Provider ownership

The vehicle is purchased and owned during the Ijara stage.

03
Agreed rental

Payments are made for using the real asset under the agreed arrangement.

04
Ownership

The journey concludes through the agreed ownership transfer stage.

The Key Difference Profit comes from an asset-based arrangement, not interest on money lent.
For Comparison

Interest-based borrowing

01
Money is borrowed

The arrangement centres on finance or credit being provided to the customer.

02
Interest is charged

The lender earns a return through interest charged on the borrowing.

03
Finance-first structure

The lending arrangement is the foundation of the transaction rather than an Ijara rental.

04
Different basis for profit

The return is linked to lending rather than rental income from the underlying asset.

Two monthly payments can look similar on paper. What matters for Islamic finance is the structure behind them.

Ijara wa Iqtina A vehicle-based path from finance to ownership.
No Riba Real Asset Path to Ownership
Check My Eligibility
Independent Shariah Review

Reviewed with Islamic principles in mind.

The Ijarah documents behind this finance structure have been independently reviewed by Alhamd Shariah Advisory, providing additional confidence that the arrangement has been assessed against recognised Shariah principles.

Independent Review Shariah documentation assessed
Ijara Documents Reviewed finance structure
Clear Ownership Path Ijara wa Iqtina structure
حلال
OUR APPROACH

Islamic finance is about more than changing terminology. The structure behind the transaction is what matters.

Check My Eligibility
Soft search initially, with no impact on your credit score.
INDEPENDENTLY Shariah Reviewed
SHARIAH REVIEW CERTIFICATE
Verified Document
Shariah review certificate for the Ijarah finance documents View Certificate
REVIEWED BY Alhamd Shariah Advisory
APPLY
Before You Apply

A Few Details. Then We Can Get Moving.

Applying for halal car finance doesn't need to feel complicated. We start with a few essentials about you, your driving status and your financial circumstances.

Keep these details to hand and you'll be better prepared to move through the eligibility process and onto choosing the right vehicle.

This is the starting point, not an approval checklist. Your application is still assessed individually and additional information may be requested where needed.
Check My Eligibility →
Halal Car Finance · Application
Application Essentials

What to have ready before you begin

06 Essentials
01
UK Residency You should currently be resident in the UK.
02
Aged 18+ Applicants must be at least 18 years old.
03
Valid Driving Licence Have your current licence details available.
04
Stable Income Information about your regular income.
05
UK Bank Account An active account for your finance arrangement.
06
Phone & Email Current contact details so we can reach you.
✓
Driving Licence Keep it to hand
£
Income Details Regular income
£
UK Bank Account Active account
Frequently Asked Questions

Questions about Personal Halal Finance?

Understand the structure, how Ijara wa Iqtina works, what happens during the finance journey and what to expect before you apply.

PERSONAL HALAL FINANCE Clear answers. Clear structure.
✓ No Riba ✓ Ijara wa Iqtina ✓ Asset-Based
01 What is Personal Halal Finance?

Personal Halal Finance is a way to finance a vehicle for personal use through an Islamic finance structure. Instead of structuring the transaction as an interest-bearing cash loan, the arrangement is connected to the vehicle itself through Ijara wa Iqtina.

02 How does Ijara wa Iqtina work?

Ijara refers to the rental stage of the arrangement. The vehicle is the underlying asset and is made available to you under agreed terms. Iqtina refers to the route towards ownership, with ownership transferring according to the agreed arrangement at the end of the finance journey.

03 Does Personal Halal Finance charge interest?

The arrangement is structured without riba. Rather than charging interest on money lent, the finance is based on an Ijara arrangement involving the use of a real underlying vehicle. The agreed payments form part of that asset-based structure.

04 Who is Personal Halal Finance designed for?

It is designed for individuals looking for a vehicle for personal use. That might include commuting, family travel, replacing an older vehicle, upgrading to a newer car or moving to an electric or hybrid vehicle. Approval remains subject to the applicable eligibility criteria.

05 Is the car a real asset within the finance arrangement?

Yes. The vehicle is central to the transaction. The finance structure is connected to a real identifiable asset rather than simply providing an interest-bearing sum of money to purchase a car.

06 Who owns the vehicle during the Ijara period?

During the Ijara stage, the vehicle is owned within the finance arrangement while you use it under the agreed rental terms. This ownership relationship is an important part of what distinguishes Ijara from a conventional interest-based cash loan.

07 What happens at the end of the finance term?

The Iqtina part of Ijara wa Iqtina provides the agreed route towards ownership. Once the required terms of the arrangement have been completed, ownership transfers according to the agreement.

08 Has the Shariah structure been independently reviewed?

The Ijarah documentation supporting the finance structure has been independently reviewed by Alhamd Shariah Advisory. The review certificate is displayed on this page so you can inspect the supporting document directly.

09 Will checking my eligibility affect my credit score?

The initial eligibility check uses a soft search, so checking your eligibility does not impact your credit score. Further checks may apply later in the application process where required.

بِسْمِ ٱللَّٰهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ

Ready to finance your next car the Halal way?

Check your eligibility for Personal Halal Finance and take the first step towards a vehicle finance structure designed around Islamic finance principles.

Check My Eligibility
Initial eligibility check uses a soft search, with no impact on your credit score.
Car available through Personal Halal Finance
YOUR FINANCE STRUCTURE Ijara wa Iqtina
Halal
Choose Your Car
Ijara Agreed Rental
Iqtina Ownership
PERSONAL HALAL FINANCE Built around your next car
✓ Islamic Finance Structure
✓ Real Underlying Asset
✓ Independently Reviewed Documents
✓ Initial Soft Search