Shop & Save

Shop & Save, the verified-shopping requirement of the Payment Saver Plan: normal shopping at Checkers, Pick n Pay, Dis-Chem and Shoprite, verified from the till slip.

Shop & Save is the verified-shopping requirement of the Payment Saver Plan. Participants shop as normal at participating partners (Checkers, Pick n Pay, Dis-Chem and Shoprite), pay the normal price at the till and upload the official slip for verification under the Shop & Save rules.

Post & Share and Shop & Save are two parts of one plan, not two separate cash-backs. Completing Shop & Save is one of the qualifying requirements for the plan's single ex gratia payment of up to R3 000 a month; it does not carry a second R3 000 of its own, and your shopping does not have to lead to a vehicle sale. The questions below cover how it works.

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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.

Shop & Save — questions

The questions people ask about shop & save, answered plainly.

What is Car4Less Shop & Save, and how does it work?

Shop & Save is the verified-shopping requirement of the Payment Saver Plan. You shop as normal at a participating partner, pay the normal till price and upload the official till slip, and Car4Less verifies qualifying purchases against the Shop & Save rules. Meeting those requirements, together with Post & Share and the prescribed groups, is what allows you to be considered for the plan's ex gratia payment of up to R3 000 a month.

Which retailers take part in Shop & Save?

Shop & Save partners have included Shoprite, Checkers, Pick n Pay and Dis-Chem, subject to the applicable programme arrangements and the Terms & Conditions. The list can change, so check the Shop & Save page for the current partners.

Does every purchase count?

No. Purchases must satisfy the Shop & Save rules: they must be made at a participating partner and verified from the official till slip. Where required, other transaction or purchase information may also be used to verify qualifying activity in accordance with the PSP rules.

Is Shop & Save a second R3 000 on top of the PSP cash-back?

No. Post & Share and Shop & Save are two parts of one plan. Shop & Save is a qualifying requirement of the Payment Saver Plan, and the plan's benefit is a single ex gratia payment of up to R3 000 a month, subject to the plan's terms and Car4Less's final determination.

Does Shop & Save reduce my vehicle instalment on its own?

No. Shop & Save is a qualifying requirement, not a separate payment. The plan's benefit is the single ex gratia payment of up to R3 000 a month, which may effectively reduce your instalment once all the requirements are met, subject to Car4Less's final determination.

Can I meet the PSP requirements without Shop & Save?

No. Shop & Save is one of the qualifying requirements, and the requirements must be met in full. A purchase on its own creates no entitlement either: it must qualify and be verified.

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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