01
Tell Us What You're Looking For
Tell us about your circumstances, budget and the type of vehicle you have in mind. We'll discuss your requirements and explain the initial finance process.
Initial soft credit searchYour Finance Journey
Your Journey.
Our Support.
How Halal Car Finance Works
From your first enquiry to arranging your vehicle, our team is here to explain each stage of the process and help you understand your options.
Register Your Interest →What Can You Expect?
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Personal guidance from our team
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An initial soft credit search
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Help with dealer and vehicle checks
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Guidance through the application process
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Support towards vehicle collection
Step By Step
How It Works
Six key stages of arranging Sharia-compliant vehicle finance through Sharia Car Finance.
02
Choose Your Vehicle
Already found a car through an established UK motor dealer? Send us the details. If you're still looking, we can help you search for suitable vehicles.
03
Dealer & Vehicle Checks
We'll help check whether the dealer and vehicle meet the relevant finance provider's requirements. We'll also explain if any further information is needed.
04
Your Finance Application
We'll support you with the application and relevant documents. The finance provider will assess your application, including creditworthiness and affordability, against its own criteria.
05
The Vehicle Purchase
If approved and all conditions are satisfied, the finance provider purchases the vehicle as part of the agreed Sharia-compliant finance arrangement.
06
Collect Your Car
Once the agreement and purchase process are complete, we'll help coordinate the next steps with the dealer so you can arrange collection of your vehicle.
Subject to completion requirements
Understanding Your Finance
Why The Structure Matters.
Sharia-compliant finance is built around defined contractual arrangements.
Rather than a conventional interest-bearing loan, Islamic vehicle finance may be structured through arrangements involving ownership, leasing or trade.
It's important to understand the specific agreement, payment obligations and end-of-term arrangements before deciding whether to proceed.
Understanding Your Agreement
Depending on the product, the agreement may involve a lease-based structure such as Ijara or another recognised Sharia-compliant arrangement.
The precise ownership arrangements, charges, payments and end-of-agreement terms depend on the finance provider and product offered.
Our team can explain the relevant structure and help you understand the information provided by the finance provider.
More Than Finance
Haven't Found Your Car Yet?
We can help you search.
Our free vehicle sourcing service helps customers look for suitable vehicles through UK motor dealers. Tell us your budget, preferred make, model and requirements.
Explore Vehicle Sourcing →
Good To Know
Before You Begin
Will an initial enquiry affect my credit score?
Our initial soft credit search does not affect your credit score. A finance provider may carry out a hard search as part of a formal application.
What if I haven't chosen a car?
You can still contact us. Our team can discuss your requirements and assist with searching for suitable vehicles.
Is finance guaranteed?
No. All finance is subject to status, eligibility, affordability and the finance provider's criteria.
Ready To Explore Your Options?
Whether you've found your next vehicle or need assistance finding one, our team is here to discuss your requirements.