Customer Education & Examples

Simple PSP journeys and examples of complete, incomplete and non-qualifying participation, illustrative only.

Examples make the plan concrete. A qualifying journey runs from choosing a Programme Car and applying for finance through the Car4Less finance application, to signing the written PSP agreement and taking delivery once finance is approved and stock is available, then completing the prescribed participation in full (three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, the prescribed groups and Shop & Save), and finally verification and Car4Less's determination of whether an ex gratia cash-back of up to R3 000 is paid into your Mastercard rewards card that month. Nobody has to sell a car along the way.

This topic uses simple journeys and examples of complete, incomplete and non-qualifying participation. Examples are illustrative only and never override the Terms & Conditions.

Read this first

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.

Articles on customer education & examples

From Post to Cash-Back: The Payment Saver Plan Qualifying Journey, Step by Step

The complete Payment Saver Plan journey in order (choosing a Programme Car, applying for finance through Car4Less, the PSP agreement, Post & Share, the prescribed groups, Shop & Save, verification and Car4Less's determination) with examples of what does and does not qualify.

08 Sep 2026 · 4 min read

Customer Education & Examples — questions

The questions people ask about customer education & examples, answered plainly.

What is the easiest way to understand the PSP?

Think of it in three steps: 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.

What is a simple PSP journey?

A typical journey: choosing a Programme Car, applying for finance through the Car4Less finance application, signing the written PSP agreement, taking delivery once finance is approved and stock is available, joining the prescribed groups, publishing three approved posts a day on each of the five platforms, completing the Shop & Save requirements, and having that participation verified. Car4Less then makes its final determination on any ex gratia cash-back.

Why does Car4Less explain the PSP in examples?

Examples help customers understand how the plan operates, but they are illustrative and cannot override the PSP Terms & Conditions or your written PSP agreement. They show the shape of a journey, nothing more.

Does an example guarantee the same result for every customer?

No. Individual outcomes depend on the PSP requirements being satisfied and on Car4Less's final ex gratia decision. An example shows how the plan can work, not what any particular participant will receive. Only the funding provision behind the plan is guaranteed; the cash-back is conditional and discretionary.

Why does Car4Less provide educational FAQs?

The FAQs are designed to make the PSP easier to understand and to help participants understand their responsibilities and the conditions associated with the cash-back. They explain the plan; they do not change it.

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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