Core FAQs

The most important PSP principle, the most common misunderstandings, and how the cash-back, Post & Share and Shop & Save fit together.

If you read only one page about the Payment Saver Plan, make it this one: the most important principle, the most common misunderstandings, and how the cash-back, Post & Share and Shop & Save fit together.

Each answer has a fuller topic in the knowledge centre for anyone who wants the detail behind it. The short version: meet the qualifying requirements in full, remain subject to the plan's terms and Car4Less's final determination, and you may receive an ex gratia payment of up to R3 000 a month, with no vehicle sale required. Use the related links below to go deeper.

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The fundamental PSP principle

Meet the Payment Saver Plan's qualifying requirements, remain subject to the plan's terms and conditions and Car4Less's final determination, and you may receive an ex gratia payment of up to R3 000 a month, which effectively reduces your monthly vehicle instalment.

Guaranteed funding. Conditional participation. Discretionary payment. The R3 000 funding provision is guaranteed by Car4Less's performance guarantee, a contingency policy that Car4Less holds with its underwriters, according to its policy terms. Your cash-back is conditional on your participation and discretionary: Car4Less makes the final ex gratia decision. Guaranteed funding does not mean automatic cash-back. You pay no premium, are not a party to the policy and have no claim under it, and the Payment Saver Plan itself is most definitely not a policy.

The qualifying requirements must be met in full: three approved posts a day on each platform — Facebook, Instagram, TikTok, YouTube and LinkedIn — every day of the week, using approved Car4Less content; joining the prescribed groups; and completing the Shop & Save verified-shopping requirements. Every post is submitted to Car4Less for approval before it is released, and only approved, published posts count. You do not have to produce, demonstrate or be credited with a vehicle sale resulting from your posts, shares or shopping.

“Ex gratia” means a voluntary payment by Car4Less, not one arising from a contractual or legal obligation. Car4Less decides, in its sole discretion, whether to pay or not to pay, and the participant has no recourse. The PSP cost, which differs from deal to deal as determined by Car4Less, is incorporated into the vehicle's financeable retail price, and your instalment continues to be paid by debit order to the bank in the usual way. Any cash-back is paid into your Mastercard rewards card.

The plan comes with the Programme Car: a brand-new car at the Car4Less price plus the plan, set out in a separate offer to purchase, financed exclusively through the Car4Less finance application and submitted to the major banks. Cash purchases are not permitted and private finance is not accepted. Over a full finance term, what you could potentially receive back far exceeds the cost of the plan.

Core FAQs — questions

The questions people ask about core faqs, answered plainly.

What is the most important thing to know about the PSP?

Meet the qualifying requirements in full, remain subject to the plan's terms and Car4Less's final determination, and you may receive an ex gratia payment of up to R3 000 a month. Participation alone does not create an entitlement, and no vehicle sale resulting from your activity is required.

What is the most common misunderstanding about PSP?

There are two. The first is that R3 000 is paid automatically to every participant; it is not. The funding provision is guaranteed, but guaranteed funding does not mean automatic cash-back: your cash-back is conditional on participation and an ex gratia, discretionary payment of up to R3 000 a month. The second is that you must sell a car through your posts; you do not.

What is the difference between the cash-back, Post & Share and Shop & Save?

In the PSP there is one benefit: the ex gratia cash-back of up to R3 000 a month. Post & Share is the content requirement: three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, every day, each approved by Car4Less before release. Shop & Save is the verified-shopping requirement at participating partners. They are two parts of one plan, not separate rewards.

Why are content requirements necessary?

Content requirements set the participation criteria for the PSP: what must be posted, where, how often and in what form, and that every post is approved by Car4Less before it is released. They make participation measurable and verifiable, and they help determine whether the requirements have been met in full.

Can I participate without receiving the cash-back, or receive less than the maximum?

Yes. Participation does not by itself lead to a payment. R3 000 a month is a maximum: depending on what is satisfied and verified, and on Car4Less's final determination, a participant may receive less than the maximum or nothing at all.

Do I sign anything to take part?

Yes: a written Payment Saver Plan agreement with Car4Less, which sets out the requirements, benefits and conditions in full, including the content-conduct rule that prohibits defamatory, deliberately misleading or maliciously negative content.

The Car4Less Payment Saver Plan (PSP) is a non-insurance product and most definitely not a policy: you buy no policy, hold no policy and pay no premium. It is not an investment, bank deposit, interest-bearing product, dividend programme or a programme that promises income, and it does not change your finance agreement with the bank. Finance for a Programme Car is arranged exclusively through the Car4Less finance application; cash purchases are not permitted and private finance is not accepted. Any payment referred to in connection with the PSP is an ex gratia payment of up to R3 000 a month, made subject to the written Payment Saver Plan agreement, the current PSP Terms & Conditions and the final determination of Car4Less in its sole discretion; the participant has no recourse. Any cash-back is paid into the participant's Mastercard rewards card, issued and administered by a regulated provider. Examples are provided for explanatory purposes only and do not create or extend any entitlement. The R3 000 funding provision is guaranteed by a performance guarantee (a contingency policy) that Car4Less holds with its underwriters, according to its policy terms; participants pay no premium, are not party to it and have no claim under it. Guaranteed funding does not mean automatic cash-back: any cash-back remains conditional on the participant's participation and discretionary. The current Terms & Conditions remain the controlling document and prevail in the event of any inconsistency with this knowledge centre. Read the Terms & Conditions →

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