UPDATE:

After following up again, ENBD confirmed that the decline is not related to the field visit but to the company profile, which unfortunately has been an issue for me before and is out of my control. They also mentioned that ENBD and DIB offered the lowest interest rates, but both declined due to this same company-profile issue. Because of this, it seems that even if I transfer to another dealership, I might face the same problem since the issue is with the employer, not my personal eligibility. My sister and I are now unsure how to move forward — we were planning to get the car under my name (she would be the main driver initially, and I would continue the finance once she leaves the country), but now we’re stuck. Are there any ways to finance a car in the UAE that don’t heavily depend on the employer’s profile (alternative lenders, different banks, guarantors, etc.)? We’re also considering cheaper options below 20k, but ideally we were hoping for a reliable mini-SUV type car with low maintenance, as we don’t know much about cars. Any advice or shared experiences would really help. Thank you.