Choose the path that works best for you. Both lead to ownership at the end of your term, with unbundled pricing.
From application to full ownership, the process is clear and straightforward.
You choose a car from our curated selection or one you've found at a dealer. Mizan buys it outright from the dealer on your behalf. No loans, no finance applications.
No interest. No hidden fees. Your weekly payment is fixed for the entire term and never goes up. You know exactly what you'll pay from day one to the last.
At the end of your term, ownership transfers to you. It's yours, fully paid, fully owned. No balloon payments, no surprises.
Every detail is designed to put you in control and build real value.
The moment you receive your vehicle, you're in full control. You decide where to drive, which platform to work with, and how to run your business. Unlike fleet managers who dictate terms, this is your car, your way.
Every weekly payment increases your ownership stake. You're not throwing money away on dead-end rental, you're building real equity in an asset. Watch your ownership grow from deposit day to full ownership.
With fleet managers, you rent forever and own nothing. With Mizan, you're on a clear path to ownership from day one. Every payment gets you closer to a car that's fully yours.
We don't bundle insurance, telematics, or force you onto one platform. You choose your own insurer, your own maintenance provider, and your own ride-hailing app. Total freedom.
Your weekly payment is locked in from the start and never increases. No rate hikes, no hidden charges, no nasty surprises. What you see is what you pay, for the entire term.
Structured as Ijara wa Iqtina, an Islamic rent-to-buy agreement with zero interest (riba). Mizan owns the asset and bears ownership risk. Your conscience stays clear.
We source and inspect quality vehicles that meet our criteria. Choose from our pre-selected range and we'll have it handed over to you within a week.
You find your own vehicle. We'll assess it against our criteria and purchase it if it meets our standards.
This service is for business use only — available exclusively to PHV/PCO licensed drivers. Mizan will carry out affordability and eligibility checks before entering into any agreement.
Unlike fleet rentals that bundle everything, we give you control. Own your vehicle, choose your insurance and servicing.
| Service | Fleet Rental | Mizan Finance |
|---|---|---|
| Vehicle Cost | £250+/week (bundled) | ✓ From £135+/week |
| Insurance | Included (forced) | ✓ Your choice |
| Servicing | Included (forced) | ✓ Your choice |
| Tyres | Included (forced) | ✓ Your choice |
| Breakdown Cover | Included (forced) | ✓ Your choice |
| Ownership | Renter for 4–5 years | ✓ Yours at end of term (Ijara) |
| Total Weekly Cost | £250+/week | ✓ From £135+/week + your choices |
By unbundling services, with ownership at end of term, you save £115/week compared to fleet rentals – that's £5,980/year in your pocket.
Mizan buys and owns the car. You rent it on fixed weekly terms. At the end, it's yours.
The same amount every week, agreed upfront. No interest, no compounding, no surprises.
Drive as much as you need with no mileage caps or penalties.
Choose your own garage, insurer, and breakdown cover. No forced bundles.
Mizan's margin is embedded in the rental price. No separate interest charge, ever.
Complete your term and the car is yours. No balloon payments, no hidden charges.
No renewal fees, no fleet mark-ups. Save thousands compared to traditional rentals.
We want you to succeed. But if your circumstances change, we offer fair and transparent exit options — no penalties for doing the right thing.
Pay the remaining rental balance in full and receive ownership of the vehicle immediately. No early termination penalties. You've paid what's owed — the car is yours.
Return the vehicle to Mizan. We'll value it fairly based on condition and mileage, and agree a transparent settlement for any outstanding rental balance. No hidden charges.
Settle your current agreement and start a new Ijara on a different vehicle. Whether you need to downgrade, upgrade, or change vehicle type — we'll work with you to find the right fit.
We believe fairness builds trust. Unlike fleet operators who lock you in, Mizan provides clear exit pathways at every stage of your contract. Your circumstances may change — and that's okay.