We encourage you to review the frequently asked questions we received and our responses to them. If you have another question, please fill in the form here.


ALJ United Finance started its Shariah compliant lease program in 1994. Our services and products are constantly scrutinized and vetted by a Shariah Board. For more information, you may check the Shariah Board Approval of our Lease to Own product. Shariah Board.
Leasing is a simple way of financing. It has the advantage of enabling you to tailor your monthly payments. In comparison, cash purchasing requires you to spend a large amount outright. With leasing, you place a down payment and settle monthly pre-set payments that include a term cost over the lifetime of the finance contract. Leasing will enable you to immediately drive a new vehicle and have the option to own it at a later date.
Once the current lease term ends and you have fulfilled your lease obligations, you have three options:
  1. Return your vehicle and enter into a new lease arrangement on a brand new one. This is our most popular option: It allows you to return your current vehicle, and if you qualify drive off with a new vehicle. For many customers, this option is one of the deciding factors for leasing - no worries with trade-in values or hassles with selling a used vehicle.

  2. Purchase the vehicle - Your lease agreement includes a lease-end Purchase Option Price. This allows you the flexibility to purchase the vehicle at an amount determined at the beginning of your lease. The company will collect any applicable fees and costs (registration, license, etc.) if you exercise this option.

  3. Return the vehicle - Another option is to return your vehicle and walk away.
The residual final payment is the amount for which you can purchase the vehicle at the end of the lease, if you decide so.
  1. Lower Monthly Payments: Due to the mechanics of the lease to own arrangement which include a final payment, your monthly payments are 30%-60% lower than the installment module to rent a vehicle.
  2. Warranty Comfort: Most people like to lease for a term that coincides with the length of the manufacturer's warranty coverage so that if something goes wrong with the vehicle, the repairs are always covered.
  3. Lower Upfront Cash Outlay: The lease to own arrangement requires little or no down payment*, which makes getting a new car more affordable and frees up your cash. However, you can choose to make a down payment, or trade in your old vehicle, to lower your monthly payment amount.
  4. No Used-Car Hassles With leasing, the headaches of selling a used car are eliminated. When your lease ends, you simply turn it back to the company and walk away, unless you decide to buy it or trade it.

  5. * Specific Conditions apply.

Leasing is nothing more than a method of paying for the use of a vehicle over a specified period of time. Sounds like renting, but don't get the two confused because they are very different. While you can rent a car for as little as a day, or even a few hours, leasing typically starts at 12 months and provides a different procedure for termination or vehicle swapping.
Your financial lease agreement allows you to pre-pay and purchase your vehicle. If you wish to exercise this option, please contact the branch for additional assistance. This transaction needs to be facilitated through the branch. A voluntary early purchase option fee, together with title, and license registration fees shall apply.


No. You must comply with specific terms & conditions that are set by the Company.
Finance plans depend upon the season and differ with the make and model of the vehicle. You're welcome to see your nearest branch for specific details.
No. Unless the workshop has exceeded the estimated time communicated to you to repair the vehicle or as a result of the manufacturer's warranty repair. Under these specific limited conditions the company reserves the right to monetarily compensate you.

Financing Tools

The actual price and payment amount quoted on the Calculator is an approximation and is to be used as a financial guide only. The actual price and payment amount may vary due to many factors and does not include title and registration fees. Contact the branch for complete details.

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