Your Purchase, Delivery & Why No Referral Sale Is Needed

The fundamental PSP requirement explained: meet the qualifying requirements in full. No vehicle sale resulting from your posts, shares or shopping is needed.

The fundamental principle of the plan in one sentence: meet the Payment Saver Plan's qualifying requirements in full, remain subject to its terms and Car4Less's final determination, and you may receive an ex gratia payment of up to R3 000 a month. You do not have to produce, demonstrate or be credited with a vehicle sale resulting from your posts, shares or shopping. Nobody has to buy a car because of you, and nothing has to be tracked back to you.

What does matter is your own Programme Car, financed through the Car4Less finance application and delivered once finance is approved and stock is available, the written PSP agreement you sign, and completing the prescribed participation in full. This topic answers the what-if questions people ask about leads, enquiries, referrals and deliveries.

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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.

Your Purchase, Delivery & Why No Referral Sale Is Needed — questions

The questions people ask about your purchase, delivery & why no referral sale is needed, answered plainly.

What is the fundamental principle behind the Car4Less Payment Saver Plan?

Meet the plan's qualifying requirements in full (posting and sharing approved Car4Less content through authorised channels at the prescribed quantities and frequencies, joining the prescribed groups and completing Shop & Save), remain subject to the PSP terms and Car4Less's final determination, and you may receive an ex gratia payment of up to R3 000 a month. No vehicle sale resulting from your activity is required.

Do I need to sell a car, generate leads or bring in enquiries?

No. You do not have to produce, demonstrate or be credited with a vehicle sale resulting from your posts, shares or shopping. Enquiries, leads and finance applications from people who saw your content are welcome, but none of them is a qualifying requirement, and it does not count against you if nobody buys a car.

Does my content have to be tracked back to a sale?

No. Tracking a sale back to the person whose content prompted it is not a requirement of the PSP. Car4Less verifies that your participation happened as prescribed, not whether it produced a buyer: your posts and shares, your membership of the prescribed groups and your Shop & Save till slips.

Does my finance approval or a reservation qualify me?

No. Finance approval through the Car4Less finance application and a reservation are steps in your own purchase, not PSP qualifying requirements. Once finance is approved and stock is available, delivery is arranged through the authorised national franchise dealer network. If your own transaction does not complete, your PSP agreement and the Terms & Conditions determine the position.

What is the complete PSP qualifying journey?

Choose your Programme Car → apply for finance through the Car4Less finance application (the PSP cost is incorporated into the financeable retail price) → sign the written PSP agreement → delivery once finance is approved and stock is available → pay your instalment by debit order to the bank as usual → join the prescribed groups → three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, each approved by Car4Less before release → complete Shop & Save → verification → Car4Less's final determination → a possible ex gratia cash-back of up to R3 000 for that month, paid into your Mastercard rewards card.

Is a vehicle sale the most important PSP requirement?

No vehicle sale resulting from your activity is required at all. The most important requirement is completing the prescribed participation in full; the final decision on any payment rests with Car4Less.

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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