How It Works

how it works

What Is the

qantara murabaha?

Murabaha is a Shariah-permitted sale transaction. Your chosen car is purchased by our finance partner and sold to you at cost plus a clearly disclosed profit. You then repay that fixed total price in equal monthly instalments.

You own it from day one. Your name on the logbook. There’s no interest, no compounding, and complete price transparency from the moment you sign.

And if you’re ever struggling? We’ll work with you. We never profit from late payments — only genuine admin costs may be charged. Anything beyond goes to charity.

That’s Murabaha. That’s truly halal.

You own it from day one. Your name on the logbook. There’s no interest, no compounding, and complete price transparency from the moment you sign.

And if you’re ever struggling? We’ll work with you. We never profit from late payments — only genuine admin costs may be charged. Anything beyond goes to charity.

That’s Murabaha. That’s truly halal.

01

Choose Your Car

Any make, any model. Choose from any one of our trusted dealers and share details with us by applying online.

We’ll review the car and dealer to ensure everything meets our quality and Shariah requirements before moving forward.

(We may perform a soft credit check at this stage to assess eligibility — this does not affect your credit score.)

02

Price Agreement

We confirm the car’s purchase cost, our fixed profit, and your preferred term (typically 36–60 months).

You’ll see the full total price upfront — no hidden fees, no interest, and total clarity from the start.

💡 Try our Murabaha Calculator to explore your estimated monthly instalments

03

Purchase & Sale

Once you’re happy, our finance partner buys the car from the dealer and immediately sells it to you at the agreed fixed total price.

This creates a genuine sale (not a loan) and establishes your ownership from day one. The transaction is Shariah-compliant and based on trade, not interest.

⚠️ Important: We perform a hard credit check before final decision which is recorded on your credit file and may impact your credit score.

04

Security Registration (Rahn)

A standard HPI charge is recorded until you complete payment — this is a valid Islamic pledge.

This works just like any secured arrangement, protecting you and our finance partner throughout the agreed term. Upon making your final payment, the charge is removed. Simple.

05

Monthly Instalments

Pay the agreed fixed amount each month.

Your payments never change, and you can settle early at any time by paying the remaining balance of the fixed total price — without penalty.

⚠️ Important note: Missed payments may impact your credit score. We will never profit from late payments; only necessary admin costs may apply.

get early acesss

Scholar-supervised.

Community-first.

Questions? Message us on WhatsApp or email — we respond promptly. Be first in line. Join the early-access list for scholar-certified halal car finance.

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