Loyalty Partners

Shoprite, Checkers, Pick n Pay and Dis-Chem: how partner purchases are proven and verified to meet the Shop & Save requirement of the PSP.

Loyalty partners are the participating retailers whose verified till slips make up Shop & Save, the verified-shopping requirement of the Payment Saver Plan: Shoprite, Checkers, Pick n Pay and Dis-Chem at the time of writing. Shopping at a partner does not by itself create a payment. The purchase must qualify and be verified, and it counts towards the plan's qualifying requirements; it does not have to be connected to any vehicle sale.

This topic explains how partner purchases are proven and checked, how Shop & Save fits the plan's single cash-back, and the fact that the partner list can change over time under the programme arrangements.

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.

Loyalty Partners — questions

The questions people ask about loyalty partners, answered plainly.

What are Car4Less loyalty partners, and which ones participate?

Loyalty partners are participating retailers where qualifying, verified purchases count towards Shop & Save, the verified-shopping requirement of the Payment Saver Plan. Participating partners may include Shoprite, Checkers, Pick n Pay and Dis-Chem, subject to the current PSP arrangements.

Can participating loyalty partners change?

Yes. Loyalty-partner participation may be amended from time to time in accordance with the applicable programme arrangements, including the addition or removal of partners. Check the Shop & Save page and the Terms & Conditions for the current list.

Does shopping at a loyalty partner automatically create a PSP payment?

No. The purchase must satisfy the Shop & Save requirements (made at a participating partner and verified from the official till slip), and it counts towards the plan's qualifying requirements. It does not create a separate payment and does not need to be linked to a vehicle sale.

Do loyalty-partner purchases earn their own reward, separate from the PSP cash-back?

No. Shop & Save is a qualifying requirement of the Payment Saver Plan, not a separate reward. The plan's benefit is the single ex gratia payment of up to R3 000 a month.

Do I need proof of my qualifying loyalty purchases?

Yes, where verification is required. Upload the official till slip from the participating partner and keep it, because purchases that cannot be verified may not count towards Shop & Save. Other evidence may be requested in accordance with the PSP requirements.

How does Shop & Save combine with Post & Share?

They are two parts of one plan. Both, together with joining the prescribed groups, must be completed in full to be considered for the ex gratia payment of up to R3 000 a month.

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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