Finance Approval Flow
Finance for every Car4Less Programme Car is arranged exclusively through the Car4Less finance application: you apply once and we do the legwork with the banks. Private finance is not accepted. Here's the flow.
- 1
Apply once through Car4Less
No trekking from bank to bank — a single online application through the Car4Less finance application gets things moving.
- 2
Submitted to the major banks
WesBank, Absa, MFC and Standard Bank — the institutions that finance every new car.
- 3
Verification
The banks verify your details and assess your application.
- 4
Approval
Your approved deal is confirmed, with your rate set by your credit profile and deposit.
- 5
Sign with the bank
You sign your finance agreement directly with the bank, mostly online.
- 6
Delivery, then the plan
Once finance is approved and stock is available, your car is delivered and you can start working towards the Payment Saver Plan's potential cash-back.
Finance — questions
Does Car4Less affect my interest rate?+
No. Your rate is set by the bank based on your profile and deposit, exactly as anywhere — Car4Less prepares and submits the application, and the Payment Saver Plan's potential cash-back is separate from the bank's rate.
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.
More diagrams
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.