Plan before you shop
Car finance & affordability calculators
Work out a realistic monthly instalment, see what price range fits your budget, then browse 1 318 new cars — every one available as a Programme Car, financed through Car4Less, with the Payment Saver Plan attached.
Instalment calculator
Estimate your monthly instalment
Set the price, deposit, balloon, term and rate — the same levers your bank uses.
Vehicle finance is usually quoted relative to prime; adjust to match your bank's quote.
Estimated monthly instalment
R 6 158
Total paid over 72 months ≈ R 478 398
With the Payment Saver Plan
R 3 158 effective / month
With potential cash-back of up to R 3 000* a month — example only. *ex gratia, subject to the Payment Saver Plan terms and Car4Less's determination. T&C's apply. See how it works ↓
Estimate only — not an offer of finance or a quotation. Your actual instalment, rate and fees depend on the bank's credit assessment and the final deal structure; initiation and monthly service fees are excluded. A Car4Less consultant confirms exact finance through the approved banks before you order.
Affordability calculator
What can I afford each month?
Start from your budget instead — and jump straight to the cars that fit it.
Indicative vehicle price range
up to R 306 902
Based on a representative 72-month term at ~12% p.a. with no deposit. A deposit or different term changes the picture — the calculator above lets you fine-tune it.
Estimate only — not an offer of finance. Affordability is always confirmed by the bank's credit and affordability assessment under the National Credit Act.
And then there's the Payment Saver Plan
R 6 500 normal instalment − potential cash-back of up to R 3 000* = R 3 500 effective instalment
*ex gratia, subject to the Payment Saver Plan terms and Car4Less's determination. Example only — T&C's apply. Your bank instalment is paid to the bank by debit order as usual, and qualifying buyers who complete the plan's requirements (Post & Share and Shop & Save) may receive an ex gratia payment of up to R3 000 a month.
Calculators — questions
How is the monthly instalment calculated?+
The calculator uses the standard amortised vehicle-finance formula used by South African banks: the financed amount (price minus deposit), the annual interest rate compounded monthly, the term in months, and an optional balloon (residual) amount payable at the end of the term. Bank initiation and monthly service fees are excluded from the estimate.
What interest rate should I use?+
Vehicle finance in South Africa is usually quoted relative to the prime rate, and your personal rate depends on the bank's credit assessment. If you have a quote, use that rate; otherwise the default of around 12% p.a. is a reasonable representative figure to plan with.
What is a balloon payment?+
A balloon (residual) defers a percentage of the car's price to the end of the finance term, lowering the monthly instalment. The balloon amount remains owing at the end — typically settled, refinanced or covered by trading in. Balloons reduce the monthly payment but increase the total cost of credit.
Does the calculator include the R3 000 Payment Saver Plan?+
No — deliberately. Your bank instalment is paid to the bank in the usual way and the Payment Saver Plan does not change your finance agreement; the plan's cost, as determined by Car4Less per deal, is added to the Car4Less price and shown in your offer to purchase. Qualifying Car4Less buyers may receive an ex gratia cash-back of up to R3 000 a month, which would effectively reduce the instalment. The fixed example is: R 6 500 normal instalment − potential cash-back of up to R 3 000* = R 3 500 effective instalment. *ex gratia, subject to the Payment Saver Plan terms and Car4Less's determination. T&C's apply.
Is this an offer of finance?+
No. These calculators are planning tools only. Finance for a Car4Less Programme Car is arranged exclusively through the Car4Less finance application and submitted to the major banks, subject to their credit and affordability assessments under the National Credit Act. Cash purchases are not permitted and private finance is not accepted. A Car4Less consultant confirms your exact figures before you order.
Know your number? Find your car.
Browse by monthly budget, body type, brand or price — all 1 318 new cars, each at its Car4Less price below the manufacturer's retail price, and each available as a Programme Car with the Payment Saver Plan.