Pay Monthly is a flexible rent now pay later payment option available on selected Property Finder listings, powered by Keyper. Instead of paying your annual rent upfront in cheques, you can split it into 12 monthly installments using your debit card or a credit card for paying rent. Your landlord still gets paid on time and you get to seamlessly manage your monthly rent in Dubai.
Who can use Pay Monthly?
Pay Monthly is available for residential tenants in Dubai. To qualify, you'll need:
- A minimum monthly income of AED 8,500
- An annual rent between AED 30,000 and AED 400,000
- A UAE-issued card to easily pay rent with card functionality (American Express is not accepted)
- To be employed in a role eligible for Pay Monthly some senior or ownership-level roles are not currently supported
Checking if you qualify on a listing
Eligible listings on Property Finder show an instant eligibility check. Once you enter your monthly income, you'll see one of these messages:
- Congratulations, you're eligible! your income comfortably covers this rent
- You're close, contact agent to negotiate your income is just below the threshold for this property; you may want to discuss with the agent
- You're not eligible to pay monthly your income is below the AED 8,500 minimum
- You're not eligible for this home the rent is outside the AED 30,000 - 400,000 range, or this property would exceed the allowed share of your income.
How does it work?
Once you find an eligible listing on Property Finder, the Pay Monthly journey takes you through three simple steps:
- Verify your income usually takes 4 minutes
- Find your home browse listings within your approved budget
- Sign and pay review your contract and complete your first payment in around 2 minutes
Step 1: Verifying your income
To get approved for Pay Monthly, you'll start by verifying your income. You'll be asked to share a few details about your employment and then choose how to verify your income.
Employment information
You'll be asked to provide:
- Your employer's name
- The type of employer for example, large regional company, subsidiary of an international group, small to medium company, or technology startup
- Your employer's industry
- Your job title
Proof of income
You can verify your income in one of two ways:
Verification is instant. Recommended if you want to start your application straight away.
Verification can take up to 1 business day. Use this if you'd prefer to upload documents manually.
Step 2: Choosing your home
Once your income is verified, our system completes an automated monthly rent calculation, functioning as an internal monthly rent calculator to determine your rental power—the maximum budget you've been approved for. You can then browse listings within your budget directly from your application dashboard.
Eligible listings on Property Finder are marked with the Pay Monthly badge, allowing qualified users to pay rent monthly instead of using upfront cheques. You can also filter your search to show only listings with this option available.
Step 3: Sign and pay
Before you can sign your contract, your agent will send you a request to start the application. You'll need to approve the request from within Property Finder so your agent can upload the tenancy documents on your behalf.
Once that's done and Keyper has reviewed everything, you'll be asked to:
- Review and sign your tenancy contract
- Add your UAE-issued card to configure a secure credit card payment for rent or use a debit card
- Complete your first payment to activate your tenancy
For full details on what happens at this stage, see Signing your contract and making your first payment.
What documents will I need?
Your tenant-side documents are simple. After approval you'll need to upload:
- Your Emirates ID
- Your Passport
- Your bank statements (if you chose manual upload during income verification)
Documents related to the tenancy itself like the tenancy contract, the unit's title deed, and your landlord's verification documents will be uploaded by your agent on your behalf once you Start your tenancy application with them.
Frequently asked questions
Search or browse questions about Pay Monthly and approval.
Who can apply for Pay Monthly?
Pay Monthly is available for residential tenants in Dubai and Abu Dhabi who meet the minimum monthly income (AED 8,500) and rent range (AED 30,000–400,000 per year), and who choose to pay rent through credit card or debit card channels. Some senior or ownership-level employment roles are not currently supported.
How long is my approval valid for?
Once you're approved, you have 90 days to complete your application. If you don't sign your contract within that window, your approval expires and you'll need to verify your income again to start a new application.
Does applying or being rejected affect my credit score?
No. Applying for Pay Monthly or being rejected does not affect your credit score. However, once your tenancy is active, missed or late payments are reported to the Al Etihad Credit Bureau (AECB) and can affect your credit score going forward.
Can freelancers or new UAE residents apply?
Yes. Applications from freelancers, business owners, and new UAE residents are reviewed on a case-by-case basis based on the income and documents you provide.
Is Pay Monthly available on all listings?
No. Only listings marked with the Pay Monthly badge are eligible. You can use the search filter on Property Finder to show only Pay Monthly listings.
How long does income verification take?
If you connect your bank securely, verification is instant. If you upload bank statements manually, it can take up to 1 business day.
What if my income verification is rejected?
You can resubmit your bank statements make sure they clearly show your name, account details, and income for the last 3 months. If the issue continues, contact our support team and we'll help you resolve it.
Does Pay Monthly cover the security deposit and other fees?
Yes. The security deposit is included in your first payment alongside your first month's rent and the Digital Management Fee. Other administrative fees (like Ejari) are included in your payment plan. Leasing commissions and utility deposits are not covered.
How is this different from paying with cheques?
With this premium rent now pay later structure, you complete a standard monthly rent payment via card instead of managing multiple post-dated cheques. This allows you to safely pay rent using credit card accounts or debit options, ensuring you keep more cash on hand each month.