Long-term rental or lease to own

Two ways to drive the same car for a year. Only one ends with the keys in your name.

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Both options put you in a car. They part company at the end.

Insurance, scheduled maintenance and home delivery are included either way, and you pay one predictable amount each month. What changes is whether the car goes back at the end of the term or is registered in your name — and that single difference reshapes the maths from the very first payment.

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Included every month, on both contracts.

If you cannot say with confidence where you will be in three years, renting is the honest answer. Ownership rewards certainty.

Rafale advisory team, Dubai

What you pay before you drive.

Lease to own asks for a minimum down payment of 20% of the vehicle's value. That money is not a deposit — it is the first slice of ownership, and it is not refundable if you decide at the end that you do not want the car. Long-term rental asks instead for a security deposit equal to two months' rent, which sits untouched and comes back to you at the end of the contract.

Three things that decide it for most people.

Mileage, the cost of leaving early, and what happens to the money you put down. Each one behaves differently depending on the contract you sign.

A car should be a decision you can revisit. That is why we write the exit into the contract, not into the small print.

Rafale, Dubai

So which one?

Rent if your horizon is a year or two, if your role could move you, or if you would rather change car than keep one. Take lease to own if you are staying, you have the 20% ready, and you want the payments to end with something in your name.

Next step

Get both sets of numbers, side by side.

Send us the car you have in mind and how long you plan to keep it. An advisor comes back within 24 hours with the monthly figure for each option and what it costs to leave early.

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