Long-term rental (LLD)
LLD is pure rental without purchase option. You drive new vehicle during contract duration, then return it. All-inclusive product: maintenance, insurance, assistance, tires. Highly valued by companies.
Key characteristics
Duration
24-60 mois
Average rate
—
For whom
Individuals & pros
How it works
Sign rental contract for duration (24-60 months) and mileage (15k-40k km/year). Fixed monthly payment including all services. At maturity, return vehicle. No purchase option.
Comparison vs classic credit
No direct comparison with credit: you never own vehicle. But all-inclusive monthly payment often lower than total cost (credit + maintenance + insurance + tires) of purchase.
2026 taxation
Professionals: 100% deductible rents. No VAT to manage company side (rent vs buy vehicle in own name). Individuals: no tax advantage but budget simplicity.
Numeric example
Dacia Duster LLD 36 months, 25,000 km/year: all-inclusive monthly payment 3,500 MAD/month (maintenance + all-risk insurance + tires + assistance). Total 126,000 MAD over 36 months, no remaining charge at maturity.
Advantages
- Predictable fixed budget (all-inclusive)
- No vehicle depreciation to manage
- Always drive recent vehicle (change every 3-5 years)
- Optimal taxation for professionals
Disadvantages
- You will never become owner
- Penalties for mileage exceedance (0.5-2 MAD/km)
- Restoration fees if damages
- Impossibility to modify vehicle (tuning, sticker)
Recommended providers
Arval Morocco
ALD Automotive
Sofac
Wafasalaf
When to choose this product?
Ideal for companies (auto fleet) and highly mobile executives. For individuals: good if you change cars often or hate managing maintenance/insurance. Avoid if you keep vehicles 8+ years.
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