Open to more people
Stop putting your plans on hold.Salaried or self-employed, Bahraini or Resident, with no salary transfer required.
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Vehicle Finance
The car is the easy part. We'll get you the keys.
Know what any car will cost you a month before you walk into the showroom. Then apply in minutes, or leave your number and we'll call you back.
- Bahrainis & Residents
- no salary transfer required
- Any car
- new, used or luxury
- BD 100 + VAT
- Admin fees
Apply in minutes in the Sahel by BCFC app
Finance
Payment estimator
Know it before you go
Drag the sliders and your estimate updates instantly.
*Estimated monthly instalment
Amount financed
* This instalment is indicative only and is calculated on a reducing-balance basis. Your final instalment is confirmed on approval, after we review your documents.
Wherever you're buying, we're already there
Our partners
From the Kingdom's largest authorised dealers to your neighbourhood used-car showroom, we finance across a network of partners island-wide. And because we finance any car, you're never tied to one.
Authorised dealers
Sub-dealers
Used-car showrooms
Why finance with us
Your dream car, made easy. From first call to keys in hand.
Flexible terms, a fast decision and financing open to more people. We make the finance the simplest part of buying your car.
Read more
Flexible, built around you
Your car, your terms.Longer terms to ease the monthly, or shorter to own it sooner. Grace period options to give your cash flow room. New, used or luxury, we shape the deal to your life.
A named specialist, start to finish
A trusted name.Decades of trust, spoken plainly. No jargon, no runaround, one person who knows Bahrain's market and stays with you the whole way. Start online and we'll keep things moving.
What we finance
Any eligible car. We mean it.
Brand new from the showroom, a well-kept used find, a private sale, or the luxury model you've earned: the financing works the same way. Simple, quick and honest.
New cars
Straight from the showroom, at any dealer in Bahrain.
Used and private sale
A pre-owned bargain or a car from a private seller.
Luxury and premium
The one you've pictured for years.
How it works
Four steps. Mostly from your sofa.
Start online, get your answer, and finish with one quick visit. Simple from first estimate to keys.
- 1
Estimate
Find a monthly instalment you're comfortable with.
- 2
Apply, or ask us to call
Apply through the website or just leave your number for a callback.
- 3
Get your answer
Confirm your decision.
- 4
Drive it home
Collect your car. We settle with the dealer.
Honest numbers
Read more
Compare the rate that matters.
A flat rate may look lower, but it doesn't show the full picture.
A flat rate calculates interest on the full amount throughout the term including on amounts you've already paid, while a reducing balance rate calculates interest only on what you still owe.
We show you the reducing balance rate and indicative APR, to help you understand and compare the cost of your vehicle financing.
A flat rate
looks smaller than it is
The APR
shows the real cost
Illustrative. BCFC vehicle financing is calculated on a reducing-balance basis; the indicative APR is confirmed on approval.
Rates & fees
Everything on the table
Our published schedule, plainly stated, as the Central Bank of Bahrain requires. All fees are subject to 10% VAT.
Peace of mind, bundled
Cover the car, not just the cost.
Add motor insurance through TISCO, our Group insurance broker, in the same conversation: one place, one process, one less thing to arrange before you drive away. Because owning it should feel as good as choosing it.
Add insurance to my quote
Am I eligible?
What you'll need
Nothing you don't already have. Get these ready and it all moves faster.
Eligibility
- Aged 21 or over
- A Bahraini national, or a resident with a valid CPR
- Salaried or self-employed (CR owners), with verifiable income
- Minimum salary of BD 300 for Bahrainis & BD 400 for Residents.
Documents
- Your CPR (front and back)
- A recent salary certificate or proof of income
- Recent bank statements
Good questions
Before you ask us
Do you only finance cars from your own dealers?
No, and this matters. We finance any car from any dealer in Bahrain, as well as private sales. Our dealer partners simply make things smoother; you're always free to choose the car you actually want.
New, used, luxury: is it the same process?
Yes. Whether it's brand new, pre-owned, a private sale or a premium model, you apply the same way and your application is assessed the same way. Terms and maximum amounts vary with the car and your profile.
How does approval work?
Once we have your documents, a specialist reviews your application and confirms your decision. Some cases take longer, but you'll always know where you stand.
Can I move my existing car finance to you?
Yes. If you're financing a car elsewhere, we can help you move it to us. A specialist will confirm the terms with you.
Is Islamic financing available?
Yes. Shariah-compliant vehicle financing is available through Tas'heelat Islamic, based on Murabaha. A specialist will walk you through it and confirm the figures with you.
What's the difference between a flat rate and the rate you quote?
A flat rate is charged on the full amount for the whole term, so it looks smaller than it is. We quote the APR, which reflects the real cost on a reducing-balance basis, so you're comparing like with like.
What are the requirements for car finance in Bahrain?
You need to be aged 21 or over, a Bahraini national or a resident with a valid CPR, and salaried or self-employed (CR owners) with verifiable income. The minimum salary is BD 300 for Bahrainis and BD 400 for residents.
Which documents do I need to apply for car finance?
Your CPR (front and back), a recent salary certificate or proof of income, and recent bank statements.
Do I need to transfer my salary to get car finance?
No. Car finance is open to salaried and self-employed customers, Bahraini or resident, with no salary transfer required.
How do I apply for car finance with BCFC?
Use the payment estimator to find a monthly instalment you are comfortable with, then apply through the website or leave your number for a callback. You can also apply on the Sahel by BCFC app. Once you have your decision, collect your car and we settle with the dealer.
How much does car finance cost?
The APR starts from 9% and depends on your credit profile. There is a BD 100 admin fee, and early settlement is 1% (maximum BD 100). All fees are subject to 10% VAT. We show you the reducing-balance rate and the indicative APR so you can compare the real cost.
Can residents get car finance in Bahrain?
Yes. A resident with a valid CPR and a minimum salary of BD 400 can apply, with verifiable income.
Start now
Apply now.
Apply in minutes on the Sahel by BCFC app, or leave your details and a vehicle finance specialist will call you.
- Download the Sahel by BCFC app.
- Confirm your ID in minutes.
- Get approved and drive away.
* All features and financing are subject to terms and conditions and credit approval.
Sahel by BCFC
Once you're driving, Sahel does the rest.
Track your financing, see your next instalment, download statements and get support, all in the Sahel by BCFC app. No branch, no queue, no waiting.
Download the app
