The benefit
The R3 000 Cash-Back
Up to R3 000 a month, paid in real cash onto your own Mastercard — an ex gratia payment for buyers who meet the plan's requirements, subject to its terms. No premium to pay, and no car sale needed.
The effective instalment
R6 500 normal instalment
less potential cash-back of up to R3 000*
= R3 500 effective instalment
*Ex gratia, subject to the Payment Saver Plan terms and Car4Less's determination. Illustrative example only.
Backed by the guaranteed R3 000 funding provision. The funding is guaranteed by Car4Less's performance guarantee, a contingency policy Car4Less holds with its underwriters — you are not a party to it and pay no premium. Your cash-back stays conditional on your participation and is paid ex gratia at Car4Less's discretion. How the guarantee works →
How it works
Four steps to your potential cash-back
- 1
Get your Programme Car
Choose any new car, finance it through the Car4Less finance application and sign your written Payment Saver Plan agreement. Cash purchases are not permitted and private finance is not accepted. You pay your bank instalment by debit order as normal.
- 2
Post & Share
Three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, every day, using approved Car4Less content — and join the prescribed groups. Every post is approved by Car4Less before it is released.
- 3
Shop & Save
Complete your verified everyday shopping at Checkers, Pick n Pay, Dis-Chem and Shoprite and upload your till slips. No car sale is required from any of it.
- 4
Receive your cash-back
Meet the requirements in full and you may receive up to R3 000 onto your own Mastercard rewards card — an ex gratia payment, subject to the plan's terms and Car4Less's final determination.
The R3 000 Cash-Back — questions
What is the R3 000 Cash-Back?+
It's the benefit of the Payment Saver Plan: a buyer who meets the plan's qualifying requirements in full may receive an ex gratia cash-back of up to R3 000 a month, subject to the plan's terms and Car4Less's final determination. It effectively reduces your monthly vehicle instalment by up to R3 000.
Do I have to sell a car to get it?+
No. You don't have to produce, demonstrate or be credited with a vehicle sale from your posts, shares or shopping to be considered. What counts is completing the prescribed Post & Share and Shop & Save participation in full.
How is the cash-back paid?+
Onto your own Mastercard rewards card, issued and administered by an approved, regulated financial services provider. You can spend it anywhere Mastercard is accepted, or put it straight towards your instalment.
Is the cash-back itself guaranteed?+
The funding provision is guaranteed by Car4Less's performance guarantee — a contingency policy Car4Less holds with its underwriters, according to its policy terms. Your cash-back itself is conditional on your participation and discretionary: Car4Less makes the final ex gratia decision. An ex gratia payment is a voluntary payment by Car4Less, not one arising from a contractual or legal obligation, so it is never automatic, Car4Less decides whether to pay and how much up to R3 000, and there is no recourse. You pay no premium, are not a party to that policy and have no claim under it — the Payment Saver Plan is most definitely not a policy. See The Payment Saver Plan Guarantee page for the full explanation.
Is it insurance — and who pays for it?+
It is not insurance. The Payment Saver Plan is most definitely not a policy: you buy no policy, hold no policy and pay no premium. There is a cost associated with the plan, determined by Car4Less per deal and incorporated into the vehicle's financeable retail price, so it forms part of your normal instalment, paid to the bank by debit order as usual.
Do I have to qualify every time?+
Yes — the plan is all-or-nothing per cycle: the prescribed participation must be completed in full. Miss the requirements and that cycle doesn't qualify. Car4Less performs the final assessment of every cycle under the plan terms and the Terms & Conditions.
Is Shop & Save a second cash-back?+
No. Shop & Save is the verified-shopping requirement of the same Payment Saver Plan. Post & Share and Shop & Save are two parts of one plan, and the plan's benefit is this single cash-back of up to R3 000 a month.
Start saving every month
Choose any of 1 318 new cars as a Programme Car, financed through Car4Less — then let your participation do the rest.