Auto Finance

Auto Finance

BisB facilitates the path of acquiring a Sharia’a compliant finance to possess the car that you desire. Whether a new or a used vehicle, BisB’s flexible Auto Finance helps you stay in the lead.

What are the features of BisB's Auto Finance?
  • Maximum Tenor: 7 Years (Employed).
                                    5 Years (Self-Employed).
  • Maximum Finance Amount: BD50,000
  • Salary Transfer: Mandatory
  • Processing Fees: BD100.
What can I use BisB Auto Finance for?

BisB's Auto Finance can be used to facilitate new or used vehicles.

What is the Islamic structure of the product?

Murabaha, which is an Islamic financing instrument where the bank purchases the vehicle after obtaining ownership of the vehicle, it is sold to the end user on a monthly installment basis. The selling price will be the total cost of the vehicle plus a profit margin that is declared to the customer by the Bank.


Auto Finance is available to Bahraini and non Bahraini nationals.

The general criteria of obtaining an Auto Finance from BisB is detailed below:

  • Age of the Applicant:
    • Minimum 21 years.
    • Maximum 65 years at the time of maturity of the facility
    • Maximum 65 years for males and 60 years for females, for customers with salary above BD3,000/-
    • Maximum 70 years for all retired customers.
  • Minimum Monthly Income:
    • Minimum Salary BD350/- for ALE customers.
    • Minimum Salary BD500/- for Non-ALE customers.
    • Minimum Salary BD500/- for Non- Bahraini customers.
  • Minimum Work Experience:
    • 4 months (Employed).
    • 3 years (Self-Employed).
  • Maximum DSR (Debt Service Ratio): The total debts of the customer including all installments, new installment and 5% of the credit card and over draft limits, should not
    • exceed 50% of the monthly income for individuals with salaries of BD3,000 per month or less.
    • exceed 60% of the monthly income for individuals with salaries above BD3,000 per month.
    • exceed 65% of the monthly income for individuals with a mortgage facility at BisB.
Required Document

To apply for Auto Finance, applicants must provide the following documents:


If you are an employee of an organization or institution, you will require the following documents:

  • Two valid Identifications.
  • Latest 3 months Pay Slip.
  • Latest 3 months Bank Statement.
  • Latest Salary Certificate.
  • Employment Contract (non Bahraini individuals).
  • Residence Permits (non Bahraini individuals).
  • Original quotation under the name of BisB.

If you are self employed, you will require the following documents:

  • Two valid Identifications.
  • The Commercial Registration (CR).
  • Latest 6 months Business Bank Statement.
  • For partnership (W.L.L):
    • Board of Resolution.
    • Article of Association.
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