Hejaz Financial Services Hejaz Islamic Auto Finance

Murabaha (cost-plus) car finance from Australia's largest Islamic finance group: new, demo and used vehicles over 3-7 year terms up to $150,000, with a balloon payment option, unlimited additional repayments, and both PAYG and self-employed applicants accepted. Grey imports, kit cars, motorcycles and scooters are excluded. The product carries a signed, downloadable Shariah compliance certificate from Minarah Consulting (dated 28.03.2026), but no profit rate is published despite the 'Competitive Rates' banner - pricing emerges only in application.

Hejaz's auto finance is the best-documented Islamic car finance product in Australia right now: named Murabaha structure, a signed Shariah certificate dated March 2026 from external supervisory board Minarah Consulting, and real published terms - 3-7 years, up to $150,000, balloon option, unlimited extra repayments, with TMDs for both personal and business use. The evidence trail is what we want every provider to publish. Two things hold it back: pricing is undisclosed ('Competitive Rates' means nothing until you apply), and the balloon option raises a Shariah-mechanics question the site doesn't answer, since a Murabaha sale price is fixed upfront. Vehicle exclusions (grey imports, motorcycles) are clearly listed. For Muslim car buyers in Australia this is the reference product to compare others against - just get the rate in writing early.