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Launching Soon – UK PHV Drivers
Shariah-Compliant Rent-to-Own Simple Application No Interest Charges Quality Pre-Owned Vehicles Weekly Payments Predictable Costs Ethical Finance Uber & Bolt Ready Build Equity Weekly No Hidden Fees Ethical & Transparent Shariah-Compliant Rent-to-Own Simple Application No Interest Charges Quality Pre-Owned Vehicles Weekly Payments Predictable Costs Ethical Finance Uber & Bolt Ready Build Equity Weekly No Hidden Fees Ethical & Transparent

Drive on your terms.
Own when you're ready.

Shariah-compliant rent-to-buy finance for quality pre-owned vehicles. Built for Uber, Bolt and PHV drivers. No interest, no hidden penalties - just predictable weekly payments and a clear path to ownership.

See your payments Join the waitlist
From £125/wk
Weekly payments
£0
Hidden fees

Popular pre-owned vehicles

Indicative weekly payments from

🚗 Budget – Toyota Prius
UberX ready
£125/wk
🚙 Standard – Kia Niro
Low running costs
£150/wk
⚡ Electric – Tesla Model 3
Zero ULEZ & congestion
£195/wk
🏆 Premium – Mercedes E-Class
Uber Exec & Comfort
£280/wk
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Soft credit check – no surprises
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Transparent & ethical
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Quick & simple application
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UK-based support
How It Works

Get on the road in 4 simple steps

A straightforward process from application to getting behind the wheel. No unnecessary complexity – just the steps that matter.

1

Tell us what you need

Pick your budget tier, preferred vehicle type and how long you'd like the agreement. We'll find the right plan for your situation.

2

Complete your application

We'll run a soft credit check and review your details. The process is straightforward and painless, but thorough – we need to make sure the agreement works for both of us.

3

Choose your vehicle

Once approved, browse our shortlist of quality pre-owned, PCO-ready vehicles. Pick the one that suits you and collect it from one of our approved partner agents.

4

Drive, earn & own

Make simple weekly payments. Every payment builds your equity in the vehicle, moving you closer to full ownership while you earn.

Who It's For

Built for how drivers actually work

Whether you're renting and ready to own, or looking for a better deal than PCP, our model is designed to work around your situation.

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Tired of renting with nothing to show

You've been paying weekly rental for months or years but you'll never own the car. Switch to rent-to-buy and start building equity with every payment instead.

Stop dead money
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Ready to move up a tier

Driving a budget car but want to earn more on Comfort or Exec? Get into a better vehicle on a plan that makes financial sense, without the risk of traditional finance.

Earn more
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A smarter alternative to PCP

Traditional PCP and HP come with negative equity risk and unclear costs. With us, your payments are predictable, transparent, and every one builds your ownership share.

Build equity
Payment Calculator

See exactly what you'll pay

Adjust the numbers to match your situation. No surprises – what you see is what you pay.

£
10%
Deposit amount: £2,500
Your path to ownership
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0% - Start driving 100% - It's yours
10%
Owned from day 1
2.8%
Equity per month
100%
Owned at end
Your weekly payment
£205 /week
Your monthly payment
£888 /month
Vehicle value £25,000
Your deposit £2,500
Finance amount £22,500
Contract length 36 months
Total payable over term £31,980
Register interest →

Illustrative figures only. Actual payments depend on individual circumstances, vehicle, and approval. Not a financial offer or guarantee.

Compare

How we stack up

See why rent-to-buy makes more sense for drivers than traditional vehicle finance.

Mizan Mobility rent-to-buy Traditional PCP Hire Purchase (HP) Weekly rental
Early settlement ✓ Fair terms ✗ Penalty fees ✗ Settlement figure ✓ Short notice
Own the vehicle ✓ When you choose Balloon payment ✓ End of term ✗ Never
Negative equity risk ✓ Minimal ✗ High risk Moderate N/A
Mileage limits ✓ Unlimited ✗ Excess charges ✓ None Often capped
Credit check approach ✓ Soft check first ✗ Hard search ✗ Hard search Varies
Weekly payment option ✓ Yes ✗ Monthly only ✗ Monthly only ✓ Yes
Build equity ✓ From day 1 Minimal until end ✓ Gradually ✗ Never
Best for PHV drivers ✓ Built for it Not flexible enough Long commitment Expensive long-term
Shariah Compliant

Finance that aligns with your values

Our vehicle finance is built on the principles of Islamic finance, designed to be ethical, transparent, and fair. Whether you're Muslim or simply want a more honest alternative to conventional lending, our model puts fairness first.

"...they say, 'Trade is just like interest.' But Allah has permitted trade and forbidden interest."
Surah Al-Baqarah (2:275)
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Zero interest (Riba)

We do not charge interest in any form. You pay an agreed cost-plus margin that is fixed and transparent from the start. No compounding, no variable rates, no surprises.

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Backed by a real asset

Every agreement is tied to a physical vehicle. This isn't abstract lending; we purchase the car and you pay to use it. The financing is rooted in a genuine transaction, not debt trading.

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No hidden charges

All costs are agreed upfront before you sign anything. There are no late-payment penalties that profit us, no admin charges that appear later, and no fees buried in the small print.

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Full transparency

We show you exactly how each payment is split: what goes towards the cost of using the vehicle, and what builds your path toward ownership. You always know where your money goes.

How Our Finance Works

A clear path from access to ownership

Our model follows the principle of cost-plus sale (Murabaha) combined with a structured rent-to-own arrangement. Here's how it works in practice.

1

You choose your vehicle

Browse our curated shortlist of quality pre-owned, PCO-ready vehicles. Pick the one that fits your driving needs and earning goals, then collect it from one of our approved partner agents.

2

We purchase the vehicle

Mizan Mobility buys the car on your behalf. We take legal ownership of the asset. This is essential: we can only charge you for using something we genuinely own.

3

We agree the total cost upfront

The vehicle cost plus our profit margin is calculated and agreed before anything is signed. This total figure is fixed. It will never change, no matter what happens to interest rates in the wider market.

4

You make regular payments

Each weekly or monthly payment is split into two parts: a portion covers the cost of using the vehicle (our revenue), and the rest builds your equity in the car, moving you closer to full ownership.

5

Ownership transfers to you

Once all payments are complete, a separate transfer agreement is signed and the vehicle becomes legally yours. If you've met your obligations, there is nothing further to pay.

Your ownership journey

With each payment, the balance shifts in your favour

Your equity
StartEnd of contract
Day 1
Mizan owns
During contract
Equity builds
Completion
You own it

Think of it like a balance. At first, most of the value sits with Mizan Mobility because we purchased the vehicle. With every payment you make, the balance tips more in your direction. Eventually it tips entirely to your side, and the car is fully yours.

Our Approach vs Conventional Finance

What makes this genuinely different

It's not just about labelling a product as "ethical". The structure of the transaction itself is fundamentally different from conventional car finance.

Mizan Mobility rent-to-buy Shariah compliant

  • ✓ We buy the vehicle first, then you pay to use it. The transaction is based on a real asset, not a loan of money.
  • ✓ The total cost is agreed upfront and fixed. It never increases regardless of market conditions.
  • ✓ Each payment has a clear purpose: part for vehicle usage, part building your ownership share.
  • ✓ No late-payment penalties that generate profit for us. We will never benefit from your difficulty.
  • ✓ Ownership transfers via a separate agreement at the end, reflecting genuine sale principles.
  • ✓ As the asset owner during the agreement, we share in the ownership risk – the terms of which are agreed upfront.
  • ✓ Structure follows recognised Islamic finance standards and will be reviewed by an independent Shariah advisor.

Conventional PCP / HP Interest-based

  • ✗ Lender provides money (or credit), and charges interest on that amount. The transaction is debt-based, not asset-based.
  • ✗ Interest rates can be variable, and the total cost may change over the life of the agreement.
  • ✗ Payments are structured as loan repayments with interest. The split is often unclear to the customer.
  • ✗ Late payments typically incur charges and compounding interest, increasing what you owe.
  • ✗ Ownership transfer is automatic or conditional on a balloon payment. No distinct sale event.
  • ✗ Risk passes to the customer as soon as the finance agreement is signed.
  • ✗ No independent religious or ethical oversight of the product structure.
Transparency & Fairness

Built on trust, open to everyone

Our Shariah-compliant model is designed for Muslim and non-Muslim drivers alike. The principles of fairness and transparency benefit everyone.

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Every cost is visible

Before you commit, we show you the full breakdown: vehicle purchase price, our profit margin, your payment schedule, and total amount payable. No figures are hidden, estimated, or subject to change.

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No profiting from hardship

If you're late with a payment, we won't add charges that increase your balance. Conventional lenders often generate significant revenue from late fees and compounding interest. We believe that is fundamentally unfair.

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Independent scholarly review

Our financing structure and contracts will be reviewed by a qualified, independent Shariah advisor to ensure they meet recognised Islamic finance standards. This provides an additional layer of accountability beyond our own assessment.

Questions about how our finance works?

We're happy to explain anything in more detail. Transparency is at the core of everything we do.

Get in touch
FAQ

Questions? Answers.

It's a vehicle finance model where you pay a fixed weekly or monthly amount that goes towards using and eventually owning the vehicle. Unlike PCP, there's no big balloon payment surprise, and unlike pure rental, every payment builds your equity in the car. Think of it as a clear, structured path to ownership with predictable costs along the way.
We understand that life can be unpredictable. If your circumstances change, early settlement options are available on fair terms with no penalty fees. We'll agree everything upfront so there are no surprises. That said, the product is designed for drivers who want to build toward ownership.
Yes, you'll need a valid PCO licence to be approved and take a vehicle. Our vehicles are intended for active PHV drivers working with platforms like Uber and Bolt. If you're currently in the process of obtaining your licence, you can still register your interest and we'll be in touch once you're ready to go.
We offer a curated shortlist of quality pre-owned, PCO-ready vehicles across budget, standard, electric and premium tiers. Popular choices include Toyota Prius, Kia Niro, Tesla Model 3 and Mercedes E-Class. Once approved, you choose your vehicle and collect it from one of our approved partner agents.
With rental, you pay every week but never build ownership – the car is never yours. With our rent-to-buy model, every payment moves you closer to owning the vehicle outright. You get the predictability of structured payments with the asset-building benefit of purchase. No dead money.
No. We know PHV drivers put serious miles on their vehicles. There are no mileage caps or excess charges. Drive as much as you need to maximise your earnings – that's the whole point.
Once you've completed your payments, the vehicle ownership transfers to you. If there's a final buyout amount, you pay it and the car is yours. We'll always be clear about what's ahead as the end date approaches.
We start with a soft credit check that doesn't appear on your credit file. If you pass the initial review and want to proceed, a full credit check will be required as part of the formal application. We'll always let you know before any hard search is carried out.
Our finance structure is modelled on established Islamic finance principles. We purchase the vehicle and you pay an agreed amount to use it, with ownership transferring to you at the end. There is no interest charged at any stage. Our contracts and structure will be independently reviewed by a qualified Shariah advisor before launch. We take compliance seriously because we know our customers do too.
In conventional finance, a lender gives you money and charges interest on the outstanding balance, which can compound over time. In our model, we buy a physical asset (the car) and sell or lease it to you at a fixed, agreed cost-plus price. The profit is determined once, agreed before you sign, and never changes. There is no compounding, no variable rate, and no debt being traded. The profit comes from a real commercial transaction, not from lending money.
Not at all. Our finance is open to everyone. Many non-Muslim customers choose Shariah-compliant products because they value the transparency, fixed pricing, and the absence of hidden fees and penalties. The principles of fair dealing benefit everyone regardless of faith.
We do not charge late-payment fees that profit Mizan Mobility. In Islamic finance, it is not permissible for the provider to benefit from a customer's hardship. If you're struggling with payments, we encourage you to speak with us as early as possible so we can discuss options. Please note that missed payments may still affect your credit score.
Mizan Mobility retains legal ownership of the vehicle throughout the contract period. This is an important part of what makes the structure Shariah compliant: we carry the ownership risk of the asset. When you've completed all your payments, ownership is transferred to you through a separate agreement.
Early Access

Join the waitlist – be first on the road

We're launching soon. Register now to secure priority access, early-bird pricing and a dedicated onboarding call.

Why register early?

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Early-bird pricing

Early registrations may qualify for preferential terms when we launch.

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Priority vehicle access

Be first in line to choose from our curated shortlist of quality vehicles.

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Personal onboarding

A dedicated team member will walk you through everything and help you choose the right plan.

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No commitment

Registering doesn't commit you to anything. It just means you hear about it first.

Register your interest

Limited early-access spots – takes 30 seconds.

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We'll be in touch soon with early-access details. Keep an eye on your inbox.

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