About Ayan

SME/Companies

At Ayan, we're committed to helping small and medium enterprises thrive. Our vehicle financing solutions are designed to fit your business needs, whether you're looking to expand your fleet or upgrade your company cars. With competitive rates, flexible terms, and a dedication to ethical financing, we're your partner in driving your business forward.

Competitive rates

Flexible terms

Shariah-compliant financing

Support for fleet expansion

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Private Hire Drivers

Whether you're an Uber, Bolt, or FreeNow driver, Ayan has your back.  We offer Sharia-compliant financing for a wide range of vehicles, from fuel-efficient hybrids to spacious SUVs. With weekly payments that adapt to your earnings, you can drive with confidence knowing that we're here to support you every step of the way.

Sharia-compliant financing

Adaptable weekly payments

Choose any car from any dealer

Support for Uber, Bolt, FreeNow, and more

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PREMIUM VEHICLES FOR CHAUFFEURS

At Ayan, we understand the unique needs of chauffeurs. Our flexible financing options allow you to choose the perfect vehicle to impress your clients and grow your business. With no hidden fees and a straightforward application process, we make it easy for you to get behind the wheel  and focus on providing exceptional service.

Access to premium vehicles

Flexible payment plans

No hidden fees or penalties

Quick approval process

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WHY THE UK

REDEFINING
UK FINANCE. 
‍for THE
good.

Closing the £700 billion gap in the financial sector—lack of trust in traditional banks

Underserved by traditional finance

UK Islamic banks hold just 0.1% of assets —despite 7% Muslim population

4.4m

UK gig workers underserved

66%

of UK adults don't trust traditional banks—demand transparent, fee-free services

81% of Muslims seek Sharia-compliant options

5x

Muslims are 5x more likely to be unbanked in the UK, due to traditional financial system's exclusion

It's time for a change. FAIR FINANCE. open for everyone.

We are on the road to democratise access to finance

Values-driven financing

Ayan Pay, unregulated BNPL for 0% in the car repairs and home improvements categories. Also providing revenue-generating halal vehicle financing for Sole-traders and SMEs for business purposes.

AYAN TODAY

Leading values-driven financial ecosystem

IN 5 YEARS

TRACTION AND ROADMAP

Transforming Finance: AYAN Vision

2024

Expanded vehicle financing for business purposes across the UK and launched AyanPay

40% month-on-month revenue growth
Launched AyanPay, unregulated BNPL offering, for 0% home improvement and car repair financing

2025

To expand offerings, and launch additional retail products

2026

To introduce integrated consumer loans for SMEs and shopping

QUESTIONS? ANSWERS.

SEE ALL

What is Ayan Pay?

We understand that some expenses can be unexpected, but with Ayan Pay, you can get the work done now and pay later. Ayan Pay allows you to spread the cost of repairs or improvements into smaller, interest-free monthly payments. You can choose to pay in 3, 6, 9, or 12 instalments within 12 months, helping you keep control of your finances.

Ayan Pay is credit that is not regulated by the Financial Conduct Authority. Please use Ayan Pay responsibly and ensure you can make repayments on time. T&Cs and eligibility criteria apply.

How do I apply for Ayan Pay?

If you're looking to finance your spend of £100 or more with one of our partner merchants, you can inform them that you would like to choose the Ayan Pay option, or you can apply directly at our website. You’ll be asked to provide a few basic details and apply with no impact on your credit score.

How does Ayan Pay work?

Once you apply on the website for the desired amount and term and your application is approved - Simply proceed with your purchase and pay the initial instalment upfront. After that, Ayan Pay will send you a confirmation email with your payment plan details and instalment dates. You’ll receive reminders 3 days before each payment is due to ensure you’re always informed.

Choose the plan that works for you

You can choose to split your payments across 3, 6, 9, or 12 months. The first payment is taken immediately as a deposit, and the subsequent payments are at one month intervals from the date of the first payment.

What is the cost of choosing Ayan Pay?

There’s no cost or interest when you choose Ayan Pay. Ayan Pay offers a way to break your costs into manageable monthly payments, with no hidden fees and no interest charges.

Is a Credit Check required?

Ayan Pay conducts a soft credit check when you apply for our Buy Now Pay Later credit, which won’t affect your credit score. We report regularly on the status of agreed payment plans, and staying up to date with your payments can positively impact your credit score. Late payment and non-payment may negatively impact your credit score.

What happens if I want to delay my payment date?

You can reach out to us at [email protected] with your specific circumstance and we will make any possible option available to you.

What happens if I am late with a payment?

Late or Missed payments may affect your ability to use Ayan Pay in the future and may have a negative affect on your credit score which may make it harder for you to obtain credit in the future. We may also pass unpaid debt to a debt collection agency.

How do refund works if I return an item or cancel a service?

If a refund is processed by the merchant, Ayan Pay will adjust your remaining payments or refund any amount already paid based on the refund policy of the merchant. If the refund covers the entire amount, no further payments will be required.

What happens if I can't pay on time?

If you are unable to make a payment on time, contact us immediately. Missed payments may incur additional charges and could affect your ability to access future credit.

What happens if the service or goods I paid for is unsatisfactory?

If you have issues with the product or service you financed through Ayan Pay, please contact the merchant directly to resolve the issue. Ayan Pay provides the financing but is not responsible for the quality of goods or services. If a refund is issued, the amount will be adjusted against your payment plan.

What should I do if I am unable to make payments this month?

If you are unable to make a payment, contact us immediately. We’ll discuss your situation and find the best way to manage the issue.

Who do I contact if I have a compliant?

If you have any complaints, please reach out to our customer service team at [email protected]. We take all feedback seriously and aim to resolve any issues promptly.

FINANCE THE FUTURE
YOU BELIEVE IN

£5.1m

£700b+

$3b+

REDEFINING
UK FINANCE. 
‍for THE
good.

Underserved by traditional finance

4.4m

66%

5x

It's time for a change. FAIR FINANCE. open for everyone.

Values-driven financing

Leading values-driven financial ecosystem

Transforming Finance: AYAN Vision

2024

2025

2026

Come See Us in London

Come See Us in London

QUESTIONS? ANSWERS.

Ready to Spread the Cost?

SME/Companies

Private Hire Drivers

PREMIUM VEHICLES FOR CHAUFFEURS

FINANCE THE FUTUREYOU BELIEVE IN

£5.1m

£700b+

$3b+

REDEFINING UK FINANCE. ‍for THEgood.

Underserved by traditional finance

4.4m

66%

5x

It's time for a change. FAIR FINANCE. open for everyone.

Values-driven financing

Leading values-driven financial ecosystem

Transforming Finance: AYAN Vision

2024

2025

2026

Come See Us in London

Come See Us in London

QUESTIONS? ANSWERS.

Ready to Spread the Cost?

FINANCE THE FUTURE
YOU BELIEVE IN

REDEFINING
UK FINANCE. 
‍for THE
good.