Amazing experience with Ayan and the whole team! Their service has been great, just a message away and the response timing is amazing. I have not wanted to finance a car before this as the companies h... Voir plus
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Alhamdulillah I had an amazing experience with Ayan. The application process was simple, and the decision came in very quickly (I applied at night and got feedback the next day). After that, I fo... Voir plus
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Without exaggeration, the level of support given to you as a client by Ayan when acquiring a vehicle is second to none. The process was very smooth, quick, and easy, and the team was very patient and... Voir plus
AMAZING TEAM! Allahumma barik! Everything was super easy and smooth from application to approval to getting the car. My husband and I genuinely thought we would never be able to get a good car,... Voir plus
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À propos de l'entreprise
Écrit par l'entreprise
At Ayan, we make it easy for customers to access Halal car finance tailored to their needs. Our mission is to provide fair, transparent, and ethical financial solutions for everyone.
Coordonnées de contact
One Kingdom Street, W2 6BD, London, Royaume-Uni
- +442038020292
- team@ayancapital.co.uk
- ayan.co.uk
Drive with Baraka
4,8
Excellent
257 avis
A répondu à 100 % de ses avis négatifs
Répond généralement dans un délai de 24 heures
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First time i have used them
First time i have used them. Heard about them from a friend and honestly the process has been so smooth and easy. there was some issues at the dealership side nothing to do with Ayan but even then they helped me sort it by contacting the dealership directly. So Happy with the service.
12 décembre 2025
Avis spontané
Réponse : Ayan
Thank you for sharing your experience 🙏
We’re really glad to hear that your first time using Ayan was smooth and easy, and that a friend’s recommendation led you to us. Even when issues are outside our control, we always try to support our customers however we can, so it’s great to know that our team was able to help by liaising directly with the dealership.
Réponse : Ayan
Thank you for your feedback 🙏
We’re glad to hear you found our staff helpful. If you ever need any support in the future, we’re always here to help.
Ayan Capital has been absolutely…
Ayan Capital has been absolutely amazing from start to finish. Whether over the phone or online, their team has always been supportive, patient, and professional. I’m genuinely happy with their service every time.
Finding halal, riba-free finance can be challenging, but Ayan Capital makes the process easy, clear, and completely stress-free. They guided me with sincerity and made me feel confident in every step. Alhamdulillah, my experience with them has been nothing but positive.
Thank you so much to the Ayan Capital team for providing a service that aligns with our values and brings peace of mind. I highly recommend them to anyone looking for trustworthy and truly halal finance. May Allah put barakah in their work and reward them for helping the community.
10 décembre 2025
Réponse : Ayan
Thank you so much for this heartfelt and meaningful review 🙏
We’re truly honoured by your kind words and grateful for your trust in Ayan Capital. Knowing that our team’s support, patience, and professionalism made your experience smooth and stress-free means a great deal to us. Providing a genuinely halal, riba-free solution that aligns with our community’s values is exactly why we do what we do.
Your dua and recommendation are deeply appreciated. May Allah place barakah in your affairs as well, and thank you for allowing us to support you on this journey. We’re always here if you need anything in the future.
⭐⭐⭐⭐⭐
⭐⭐⭐⭐⭐
I had an excellent experience. Everything went smoothly from start to finish. They were fast, professional, and communication was perfect throughout the whole process. I highly recommend them – truly outstanding service!
9 décembre 2025
Réponse : Ayan
Thank you so much for your fantastic feedback 🙏
We’re delighted to hear that your experience was smooth from start to finish and that you found our service fast, professional, and well communicated throughout. Your recommendation truly means a lot to us.
Thank you for choosing Ayan — we’re always here if you need anything in the future.
Amazing
Salam
The team is so helpful in every step that I took to get to what I wanted, they were with me. They didn’t make anything difficult for me and they made everything so easy.
Thanks
25 novembre 2025
Avis spontané
Réponse : Ayan
Assalamu alaikum Hayder
Thank you for your kind words. We’re really glad the team could make everything easy and support you through every step. We appreciate your trust in us!
Ayan
Alhamdullilah....Allah has provided us…
Alhamdullilah....Allah has provided us all with an opportunity to live our lives on deen. Ayan has been on point / great process / great communicators/ trustworthy / delivered
8 décembre 2025
Réponse : Ayan
Assalamu Alaikum Anis,
Alhamdulillah, thank you for your kind words. We’re grateful for the trust you placed in us and glad the process and communication met your expectations. May Allah put barakah in your journey.
Ayan Capital is amazing
Ayan Capital is amazing. They helped me get good interest-free finance and assisted me through every step. Thanks to Akram for making my process very smooth.
If you’re looking for Halal Finance, I recommend you choose Ayan Capital!
1 décembre 2025
Réponse : Ayan
Salam Ayub,
Thank you for your kind words! We’re glad we could support you with halal finance and make the process smooth. Akram really appreciates the mention.
JazakAllah khair for recommending Ayan!
Wish this was around earlier!!
In short, want to buy a car on finance as a Muslim then Ayan is your answer!
Alhamdulilah super pleased with the service provided from the people at Ayan. Really struggling to find a car I wanted at interest free rates until I came across ayan who thoroughly explained their process and was at hand throughout the car buying process to make it nice and easy - the dashboard works really well and allows you to understand the payments, special shout to Kabir who was always ready to answer any questions on call - ma sha allahay Allah bless the team and keep it growing!!
27 novembre 2025
Réponse : Ayan
Salam Jones,
Thank you so much for your kind words and support. We’re really glad we could help make the process easy for you. Kabir and the team truly appreciate the shout-out.
Jazak Allah Khair
Great communication… they have a…
Great communication… they have a WhatsApp number and quick to response. No question was too difficult for them and very welcoming . Which helped the whole process .
My car had met with an accident and I was rushing to get another but lack of funds .
The Team Ayan helped me to get back on the in just under 10 days flat ! That’s really good service.
Back on the road and putting food on table !
Thanks Ayan !
6 septembre 2025
Avis spontané
Réponse : Ayan
Assalamu alaikum Arafat,
Thank you so much for taking the time to share this review.
We’re really glad we could support you after your accident and help you get back on the road so quickly. It means a lot to hear that our WhatsApp communication and quick responses made the process easier for you.
We’ll be sure to pass your kind words on to the whole Ayan team, they’ll be delighted to know they made a difference.
Thanks again for choosing Ayan.
Just waste of time and sharing your…
Just waste of time and sharing your information . My own bank prove my loan with in a minute and i have tried Ayan for halal loan , its took 3 days for them to decide and refuse . Its nor fair . I think its not realy helping people to get halal loan . Its just a business .
19 novembre 2025
Avis spontané
Réponse : Ayan
Thank you for sharing your feedback Waheed, and I’m really sorry you’ve come away feeling that we wasted your time, that’s definitely not what we want for anyone who comes to us for help.
I completely understand how frustrating it feels to wait a few days and then receive a refusal. Please be assured your information is only used for assessing your application in line with our criteria and regulatory obligations - we don’t sell or misuse customer data.
We genuinely are here to help people access halal finance where it’s responsible and suitable, but unfortunately, we can’t approve every application, even when we’d like to.
If you’d like to understand the decision in a bit more detail, you’re very welcome to contact our support team at +44 20 3802 0292 and we’ll do our best to explain what we can.
We truly appreciate you taking out the time to raise your concerns, it helps us do better.
Finance made easy and accessible
Ayan were easy to deal with and their finance approval process is very smooth. When buying my car, all the paperwork and transactions with the dealership were sorted within a couple of hours. Overall I had a good experience!
13 novembre 2025
Avis spontané
Réponse : Ayan
Thank you for your feedback Hamim! We’re really glad to hear the approval process felt smooth and that everything with the dealership was handled so quickly. We wish you all the best with your new car!
Ayan Capital provided an excellent…
Ayan Capital provided an excellent service from start to finish. Brother Akram, in particular, was incredibly helpful and patient. When I needed more time or wasn’t sure about certain details, he reassured me and guided me through everything clearly. Communication was smooth and convenient, whether through WhatsApp or phone calls, and he was always available when needed.
The financing process was explained thoroughly — from how it works to what they charge — along with clear monthly payment breakdowns. They even went out of their way to support me beyond what I expected.
I had looked into other halal finance companies before, but Ayan Capital truly stood out. They handled the financing for my BMW quickly and professionally. Honestly, I think they’re the best in the market.
Highly recommended.
15 novembre 2025
Avis spontané
Réponse : Ayan
Thank you for such a detailed and heartfelt review Ash! We’re really glad to hear Akram’s patience, clarity, and support made the whole process easier for you. It’s great to know the communication felt smooth and that the breakdowns and explanations helped you feel confident every step of the way.
We’re honoured to hear you felt we stood out among other halal finance options. Your recommendation and trust truly mean a lot to us!
The brothers at ayan capitals were…
The brothers at ayan capitals were extremely helpful. They advised me about dealerships and how some may be better, which I appreciate. Alhamdulillah, I bought a car and the whole procedure was seamless. Will defo recommend
14 novembre 2025
Avis spontané
Réponse : Ayan
Thank you for your kind words Mojahidul! We’re really glad we were able to guide you through the dealership options and make the whole process feel seamless. Alhamdulillah, great to hear you’re happy with your car. Really appreciate the recommendation!
No response
No response. And this seemed standard across the Halal finance options I contacted. Even if the answer is a no a reply would be nice
10 novembre 2025
Avis spontané
Réponse : Ayan
Salam brother Haji,
Thank you so much for your feedback - you’re absolutely right that you should have received a response. Please accept our sincerest apologies.
At the time of your application we experienced a rare technical issue meaning it was not passed as complete on our system. We take full responsibility for ensuring our customers are kept informed.
The issue has now been resolved and a decision has been made on your application. If you haven’t already received our email, please check your inbox (and spam folder just in case), or feel free to contact us directly at +44 20 3802 0292 and we’ll share the outcome immediately.
Thank you again for bringing this to our attention and for your patience.
Not Genuine Islamic Finance – Important Risk Details to Understand
I contacted Ayan Capital because they advertise their car finance as “Islamic.” The staff were polite and responsive, but after discussing the details, it became clear that the agreement is not structured according to recognised Islamic finance principles, and I think it’s important that other Muslims understand this before signing anything.
A major issue is the way risk is handled. In authentic Islamic contracts like murabaha or ijarah, the seller/financier must take ownership risk until the asset is transferred. With Ayan Capital, however:
• All mechanical risk is placed on the buyer from day one,
• If the car needs major repairs, they told me the monthly instalments will increase,
• Meaning the buyer is effectively penalised for problems with a car they don’t fully own yet.
This structure contradicts the basic fiqh requirement that the seller carries ownership risk during the finance period. When I raised this point, the explanation I received did not align with any recognised Sharia-compliant models, and the burden of risk remained entirely on me.
To be fair, the team are polite, and they seem to believe in what they are offering. But this product should not be marketed as “Islamic finance” when it does not follow the principles of risk-sharing, transparency, or ownership responsibility required in Islamic contracts.
Key concerns potential buyers should be aware of:
• Monthly payments can increase if the car develops major faults
• Buyer bears all repair liability, even before ownership transfers
• No supporting reference to an established Islamic finance framework
• The structure resembles conventional finance with a different label
I’m not saying the company is acting in bad faith, but Muslims looking for a genuinely halal solution should seek qualified scholarly advice and read the terms very carefully.
I hope this review helps others make an informed decision.
27 octobre 2025
Avis spontané
Réponse : Ayan
Assalamu alaikum dear brother Youssof,
Thank you for your feedback and may Allah grant you blessings and barakah for your sincere thoughts and efforts.
Please allow us to address the core issues you have highlighted in your review.
1. “There is no reference to an established Islamic model.”
Our agreements strictly follow AAOIFI standards and were developed with senior scholars, including Mufti Muhammad Ibrahim Essa, who teaches at Darul Uloom Karachi under the guidance of Mufti Taqi Usmani. This is an Ijara/leasing structure prepared according to a globally recognised Shariah standard (AAOIFI SS9).
2. “This resembles conventional finance.”
Conventional finance is based specifically on interest. Interest-based outcomes are especially obvious when the customers are late with their payments.
We do not charge riba, we do not have any late payment fees, and we only earn through a clear, fixed rental – after Ayan purchases the car and takes ownership risk. The ownership is then transferred at the end under a separate contract, as required in Ijara wa Iqtina.
The next section also highlights ownership risks that Ayan takes, some of which conventional lenders may share, but not all.
3. “Ayan does not bear ownership risk”
Some examples of ownership risk Ayan takes:
- If something happens to the vehicle prior to delivery to the customer – this is Ayan’s risk and responsibility to resolve.
- If the car is written off, at no fault of the customer, and insurance does not fully cover any remaining balance on the car, Ayan absorbs the shortfall.
- In personal use car finance, if the car had an inherent fault at the time of purchase, Ayan repairs it or deals with the dealer at Ayan’s cost.
- In personal use car finance, the customer may return the vehicle after paying half the total contract amount and terminate the agreement – the outstanding balance on the car will be Ayan’s risk.
Furthermore, in this scenario, if the car is sold at a profit – Ayan returns the profit to the customer.
4. “Buyer bears all repair liability.”
As outlined in AAOIFI SS9 5/1/5, “major” repairs/defects (i.e. engine failure due to inherent defect) belong to the lessor, whilst usage-related costs (i.e. fuel and tyres), and repairs on the vehicle that arise out of their own misconduct, would belong to the customer (AAOIFI SS9 5/1/6).
In practically handling major repairs, there are two valid approaches:
Option A (our current model - agreed upon with the customer before purchase):
A smaller rental today, and if a major repair occurs, Ayan finances it with both parties agreeing to a higher future rental - as permitted in AAOIFI SS9 5/2/5.
Option B (currently being developed):
A higher rental today so that any major repair is fully covered by Ayan, with no change in future payments.
Once option B is developed, customers will be able to choose between the two according to their preference, before signing their agreement.
Brother Yousoff, we truly appreciate your well articulated review. Feedback like yours helps us keep improving and keeps us accountable. And we thank you for genuinely helping us better and more closely serve the true needs of our brothers and sisters. If you have any other questions or suggestions, please continue to share them.
The incredible customer service…
The incredible customer service provided throughout the entire purchase process was truly remarkable, especially from Akram and Salman, who were featured in my case. They patiently and clearly informed me at every opportunity, ensuring I had the vehicle I needed without any further information. The fact that the system was halal and interest-free was particularly important to me. I thank Ayan Capital once again and recommend it to everyone.
19 novembre 2025
Réponse : Ayan
Thank you so much for your thoughtful review Hasan!
We’re really happy to hear that Akram and Salman were able to guide you clearly and patiently throughout the process. It’s great to know you felt fully informed and supported at every stage, and that our halal, interest-free structure gave you the confidence and peace of mind you were looking for.
We truly appreciate your trust and your recommendation - it means a lot to the whole team!
Thanks to Akram for making everything…
Thanks to Akram for making everything easy and possible. Ayan Capital is the best. Mashaa Allah.
10 novembre 2025
Réponse : Ayan
Thank you for your kind words Mustafa! We’re really glad Akram was able to make the whole process smooth and straightforward for you. Your support means a lot to us. We truly appreciate the positive feedback.
A fantastic Halal Car finance
I recently used Ayan for my halal car finance, and I can genuinely say this has been one of the most stress-free and spiritually comfortable financial experiences I’ve ever had.
From start to finish, Ayan handled everything with clarity, transparency, and professionalism — but most importantly, with a deep respect for Islamic financial principles.
In a world where almost every finance option is filled with interest (riba), uncertainty (gharar), or hidden terms, Ayan provided a structure that was fully Sharia-compliant, straightforward, and completely free of the usual doubts and complications.
It felt amazing knowing that I could own my car in a way that keeps my deen intact.
Their communication was exceptional, their guidance was honest, and at every step they reminded me that halal income and halal transactions bring barakah into our lives. This isn’t just a finance company — they’re genuinely helping Muslims live their lives without compromising their faith.
If Ayan ever expands into halal mortgage solutions, that would honestly be a game changer for the UK Muslim community. The level of trust, transparency, and Islamic integrity they operate with is exactly what we’ve been waiting for. They have the potential to transform the way we approach home ownership, just like they've transformed car finance.
I highly recommend Ayan to any Muslim looking for a halal, worry-free, Islamically compliant way to finance their car.
May Allah put barakah in their work and make them a source of ease for our community. Ameen.
12 novembre 2025
Avis spontané
Réponse : Ayan
Wow Umar! Thank you so much for such a heartfelt and inspiring review! We’re truly humbled that your experience felt reassuring and stress-free from start to finish. It’s wonderful to know our transparency, communication, and Shariah principles gave you complete confidence in the process. Your reflections capture exactly what we aim to achieve: making halal finance accessible without compromise.
We’re deeply touched by your kind dua and words about future offerings like halal mortgages. InshaAllah, with continued community support, we’ll keep working towards expanding halal financial solutions that bring real barakah and benefit. Thank you so much brother!
Halal Car Finance by letter and spirit
Most Halal finance places are halal in name, contract but in spirit, repayments are completely extortionate and make you consider the haram options as more attractive. Ayan Capital however, is a lifesaver and a god-send. May they be rewarded in this life and the next for providing me and others with the opportunity to purchase a vehicle on a compliant finance package that actually works out cheaper than going to interest-based finance companies. On a 10% APR deal, which was lower than Close Brothers offering 12.9% for comparison.
Very respectful team, and they made the process of securing the finance very quick and simple. I would recommend to Muslims and Non-Muslims alike.
7 novembre 2025
Avis spontané
Réponse : Ayan
Thank you for the stunning review James! Your recommendation to both Muslims and non-Muslims is hugely appreciated, and all your kind words for the team and the product itself mean a lot. We wish you the very best, and hope you enjoy your new car!
Couldn’t have asked for better
End to end process with Ayan was very smooth and quick. They approved my application within hours and also provided the financing within hours too. Very swift process on WhatsApp and super friendly and helpful staff. Very pleased with my experience!
7 novembre 2025
Avis spontané
Réponse : Ayan
Thank you so much for your kind words Uzma! We’re really pleased to hear everything from approval to financing felt smooth, quick, and easy for you. It’s great to know our team support made a positive difference - really appreciate your trust and feedback!
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