The Car4Less Affordability Framework
Affordability isn't one thing — it's several. Car4Less attacks each lever that decides what a new car really costs you.
The Car4Less price, no surprises
Every car is shown at its Car4Less price, below the manufacturer's retail price, financed through the Car4Less finance application.
The retail price is struck through and there is no haggling. That is the drawcard; the Programme Car with the Payment Saver Plan, the Car4Less price plus the plan, set out in a separate offer to purchase for your approval, is how you pay less every month. Cash purchases are not permitted and private finance is not accepted.
Lower effective instalment
Under the Payment Saver Plan, qualifying buyers may receive up to R3 000 a month, ex gratia.
Up to R3 000 / month*
Potential recurring monthly value (*subject to the plan's terms and Car4Less's determination), not a once-off discount. Over a full finance term, what you could potentially receive back far exceeds the cost of the plan.
No premium, no policy
The Payment Saver Plan is most definitely not a policy — you pay no premium and hold no policy.
The plan's cost, as determined by Car4Less per deal, is added to the Car4Less price and shown in your offer to purchase, and your bank instalment is paid as usual. Car4Less's own performance guarantee with its underwriters guarantees the funding provision; you are not a party to it and have no claim under it, and the cash-back itself stays conditional on your participation and discretionary.
Predictable costs
Brand-new means full warranty and plan — no nasty out-of-warranty surprises.
Unlike a used car, a new Car4Less vehicle comes with the manufacturer's warranty and service plan, so your running costs stay known and budgeted.
Affordability — questions
Which lever matters most?+
Over a full finance term, the recurring monthly value of the Payment Saver Plan outgrows any once-off discount — so the Payment Saver Plan can do the heavy lifting.
Where can I see this in action?+
Browse the showroom of 1 318 new cars, apply through the Car4Less finance application, or chat to a Car4Less consultant on WhatsApp — they'll walk you through exactly how the Programme Car and the Payment Saver Plan work for the car you want.
Ready to drive for less every month?
Browse 1 318 new cars — any one as a Programme Car, financed through Car4Less, with the Payment Saver Plan attached.