Eligibility

Who qualifies for the PSP, when eligibility starts and ends, what documentation may be requested and what disqualifies participation.

Eligibility is about who can take part and what must be true before Car4Less will consider the cash-back: a Programme Car financed through the Car4Less finance application, a signed written PSP agreement, the prescribed participation completed in full, and verifiable evidence of it. Finance approval on its own does not qualify anyone; neither does buying a car. A vehicle sale resulting from your activity is not required.

This topic answers when eligibility starts and ends, what documentation may be requested, and the circumstances that disqualify participation, including a deliberate breach of the content-conduct rule.

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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.

Eligibility — questions

The questions people ask about eligibility, answered plainly.

Who qualifies for the Payment Saver Plan?

Participants who have bought a Programme Car through Car4Less, financed through the Car4Less finance application, have signed the written PSP agreement, complete the prescribed participation in full and can provide verifiable evidence of it. Any payment remains subject to Car4Less's final determination.

Is every Car4Less customer automatically eligible?

Not necessarily. Eligibility depends on the PSP requirements, and buying a car through Car4Less is the starting point, not a promise of any benefit. Finance approval and PSP eligibility are separate matters: approval of your bank finance does not by itself qualify you for the cash-back.

Does vehicle delivery matter?

Your own qualifying vehicle transaction must complete under the Terms & Conditions. Delivery of a car to anyone else, for example someone who saw your posts, is not a requirement.

Can a person claim the cash-back without completing the required participation?

No. No entitlement arises where the participation requirements have not been satisfied, and the prescribed participation must be completed in full. Incomplete or irregular participation does not qualify, however close it came.

What documentation may be required?

You may be asked for information or evidence that establishes your eligibility, your participation (your posts and shares, your membership of the prescribed groups and your Shop & Save till slips) or your own qualifying vehicle transaction. Keep your evidence until verification is complete.

When does PSP eligibility end?

Eligibility may end when the applicable participation period or qualifying circumstances end, where the participant no longer satisfies the PSP requirements, or where the participant is disqualified. A deliberate breach of the content-conduct rule disqualifies the participant from any further PSP benefits for the remainder of their vehicle agreement.

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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