Rent in 12 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 payments on your debit card or a credit card for paying rent. Your landlord is still paid on schedule, and you manage one predictable monthly rent in Dubai payment instead of a year of cheques. Rent in 12 was previously called Pay Monthly.
Who can use Rent in 12?
Rent in 12 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, so you can pay rent with card (American Express is not accepted)
- To be employed in a role eligible for Rent in 12. Some senior and ownership-level roles are not currently supported.
Checking whether you qualify
Eligible listings on Property Finder show an instant eligibility check. Enter your monthly income and you’ll get one of three results, along with what to do next:
- This home works for you. Your income comfortably covers this rent, so you can carry on and verify your income.
- This home is outside your range. The rent is above what your income supports, or outside the AED 30,000 to AED 400,000 range Rent in 12 covers. The result points you to homes that do fit.
- Rent in 12 isn’t available to you yet. Your income is below the AED 8,500 monthly minimum.
This check doesn’t affect your credit score, and you can run it on as many homes as you like.
How does it work?
Homes that offer it carry a tag showing the estimated monthly amount, so you can see the monthly figure while you browse. You can also filter your search to show only those homes. Open the home you want and choose the monthly payment option to get started. Pre-approval happens in the Property Finder app. If you’re browsing on the website, scan the QR code shown on the listing to download the app and continue there.
From there, the journey takes you through three steps:
- Verify your income in the app. About 4 minutes if you connect your bank.
- Find your home and browse listings within your approved budget.
- Sign and pay. Review your contract and make your first payment, in around 5 minutes.
Step 1: Verifying your income
To get approved for Rent in 12, you’ll start by verifying your income in the Property Finder app. You’ll be asked to share a few details about your employment, 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 a large regional company, a subsidiary of an international group, a small to medium company, or a technology startup
- Your employer’s industry
- Your job title
Proof of income
You can verify your income in one of two ways:
Takes about 4 minutes, and you get your result at the end of it. This is a one-time, read-only connection, so no payments can ever be made from your account and it is only used to verify your income. Recommended if you want to start your application straight away.
Takes up to 1 business day, because someone reviews them. 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, working as an internal monthly rent calculator to determine your rental power, which is the maximum budget you’ve been approved for. You can then browse listings within your budget directly from your application dashboard.
Homes that offer Rent in 12 carry a tag with the estimated monthly amount, so qualified users can pay rent monthly instead of using upfront cheques. You can also filter your search to show only those homes.
Step 3: Sign and pay
Once Keyper has reviewed the tenancy documents, a Sign contract button appears on your dashboard. Your contract is called the Tenant Payment Management Agreement, or TPMA. At this stage you’ll:
- Review and sign your tenancy contract
- Add your UAE-issued card to set up a secure credit card payment for rent, or use a debit card
- Complete your first payment to activate your tenancy
Your tenancy is active once that payment goes through and Keyper countersigns. For full details on what happens at this stage, see Signing your contract and making your first payment.
What documents will I need?
Your side is simple. After approval you’ll need to upload:
- Your Emirates ID
- Your passport
- Your bank statements, if you chose manual upload during income verification
Your agent provides the documents for the tenancy itself: the tenancy contract, the unit’s title deed, and your landlord’s verification documents. You don’t need to chase these, and Keyper reviews the full file before you can sign.
Frequently asked questions
Search or browse questions about Rent in 12 and approval.
Can I apply from the website?
Pre-approval happens in the Property Finder app. You can find homes that offer Rent in 12 on the website, then scan the QR code on the listing to download the app and start your application there.
Who can apply for Rent in 12?
Rent in 12 is available for residential tenants in Dubai who meet the minimum monthly income of AED 8,500 and whose annual rent is between AED 30,000 and AED 400,000, and who choose to pay rent through credit card or debit card channels. Some senior and ownership-level employment roles are not currently supported.
How long does my approval last?
Your approved budget has an expiry date, shown on your dashboard. It’s usually around 90 days from approval, but read the date on your dashboard rather than counting days.
Once it expires, verify your income again to get a new budget. You can use the same approval on as many homes as you like until then.
Does applying or being rejected affect my credit score?
No. Applying for Rent in 12 or being rejected does not affect your credit score. 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 case by case, based on the income and documents you provide.
Is Rent in 12 available on every home?
No, but you have options on most homes. Homes that offer it carry a tag with the estimated monthly amount, and you can filter your search to show only those homes.
If a home doesn’t offer it yet, you can tell us you’re interested and we’ll pass that to the agent. There’s no commitment, and the agent decides whether to add it.
How long does income verification take?
Connecting your bank takes about 4 minutes and gives you a result at the end of it. The connection is read-only and one-time, so no payments can be made from it.
Uploading bank statements instead takes up to 1 business day, because someone reviews them.
What if my income isn’t verified?
Try the other method first. Most cases are one of two things.
- Your bank connection returned no salary. This happens with some accounts and some employers. Upload bank statements instead, showing your name, account details, and your salary for the last 3 months.
- Your statements weren’t accepted. Connect your bank instead, if your bank is supported.
If neither works, email paymonthly.support@propertyfinder.ae with your application reference. Some cases can be reviewed by a person.
Does Rent in 12 cover the security deposit and other fees?
The security deposit may be included in your first digital payment alongside your first month’s rent and the Digital Management Fee, or your agent may collect it separately at the time of signing the tenancy contract. This depends on what your agent selects when submitting your tenancy documents, so confirm with them which applies to your tenancy. Agency commission and utility deposits are not covered by Rent in 12.
How is this different from paying with cheques?
You pay rent monthly by card instead of handing over a set of post-dated cheques, so more of your cash stays with you through the year. It’s a standard monthly rent payment on a card you already have, which means you can pay rent using credit card or debit options rather than committing the full year up front.
How do I contact support?
Email paymonthly.support@propertyfinder.ae with your application reference. Most queries are answered within 1 to 4 business hours, Monday to Saturday, 9am to 6pm GST. Cases that need Keyper to review something can take longer.
There’s one exception. If you see a message saying your email or phone number is already linked to an existing Keyper account, email support-rnpm@realkeyper.com with the subject Property Finder - Account Linking Issue. Only Keyper can unlink an account.