✓ Shariah Certified

Halal Islamic Auto Financing

Auto financing that honors Islamic principles and prohibits riba (interest)

الَّذِينَ يَأْكُلُونَ الرِّبَا

The Foundation in the Quran

Allah's clear guidance on riba (interest)

Surah Al-Baqarah (2:275)

الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ۚ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا ۗ وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا

English Translation:

"Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, 'Trade is [just] like interest.' But Allah has permitted trade and has forbidden interest."

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The Clear Prohibition

Allah ﷻ has explicitly forbidden riba (interest) while permitting legitimate trade. ZeroFi operates on this principle—offering transparent, service-based vehicle financing with 0% interest.

How ZeroFi Honors Islamic Principles

Shariah-compliant financing following the guidance of Islamic scholars

🚫
No Riba (Interest)
✓0% APR guaranteed in writing
✓No hidden interest disguised as fees
✓Fixed service fees disclosed upfront
✓Revenue from legitimate service value, not time-based interest
📋
Full Transparency (No Gharar)
✓Clear breakdown of every dollar paid
✓No uncertainty or hidden terms (gharar)
✓Complete contract disclosure before signing
✓Online dashboard showing exact payment allocation
🤝
Risk Sharing (Not Risk Transfer)
✓Larger down payments (30-40%) create shared stake
✓Customer owns asset from day one
✓Premium service packages provide real value
✓Fair risk distribution between all parties
✅
Shariah Certification
✓Certified by qualified Islamic scholars
✓Regular Shariah compliance audits
✓Adheres to AAOIFI standards
✓Transparent certification documentation

How Halal Financing Works

Service-based revenue model compliant with Islamic law

The Halal Alternative to Interest
Instead of charging riba, we provide real services with fair compensation

❌Traditional Interest Loan (Haram)

•Money makes money over time (riba)
•Interest charged regardless of actual service
•Profit from debt itself, not real value
•Hidden fees and compounding charges

Explicitly Forbidden in Islam

✓ZeroFi Service Model (Halal)

•0% APR—no interest whatsoever
•Revenue from real services (warranty, maintenance)
•Fixed fees disclosed upfront, no compounding
•Customer receives tangible value for every dollar

✓ Shariah Compliant

Serving the Muslim Community

0.0M+
Muslims in America
0%
Avoid Interest-Based Products
0%
Interest Rate—Guaranteed

Finance Your Vehicle the Halal Way

Join thousands of Muslims who have chosen interest-free financing

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