How Car4Less Works — The Customer Journey
Every car on Car4Less shows its Car4Less price, below the manufacturer's retail price, as the drawcard. The main focus is the Programme Car: any brand-new car at the Car4Less price plus the Payment Saver Plan, set out in a separate offer to purchase for your approval. Both are financed exclusively through the Car4Less finance application. Cash purchases are not permitted and private finance is not accepted. Here's the journey, step by step.
- 1
Choose your car
Explore 1 318 new cars across 332 models, each shown at its Car4Less price, below the manufacturer's retail price.
1 318 new cars
Every passenger model on sale in South Africa, with full specs, photos and the Car4Less price on every page. Prefer to pay less every month? The Programme Car price is the Car4Less price plus the Payment Saver Plan, set out in a separate offer to purchase for your approval. Compare variants, fuel economy, safety and boot space, then shortlist without a single showroom visit.
- 2
Apply for finance through Car4Less
One online application through the Car4Less finance application, submitted to the major banks.
WesBank, Absa, MFC and Standard Bank are approached on your behalf. Finance is arranged exclusively this way: cash purchases are not permitted and private finance is not accepted. You sign directly with the bank that approves you.
- 3
Sign the Payment Saver Plan agreement
Your Programme Car comes with the Payment Saver Plan and a written agreement with Car4Less.
The agreement sets out the requirements, benefits and conditions in full. The plan is most definitely not a policy: you buy no policy, hold no policy and pay no premium. Its cost is added to the Car4Less price and shown in your offer to purchase.
- 4
Delivery once finance is approved
Once finance is approved and stock is available, delivery is arranged through the authorised national franchise dealer network.
The same authorised dealer you'd buy from directly registers and delivers the car, with the identical warranty and service plan.
- 5
Post three times a day, on every platform
Three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, every day.
3 posts / day / platform
Every post is submitted to Car4Less for approval before it is released, so nothing defamatory, incorrect or misleading goes out under the Car4Less name. No social media accounts yet? The Car4Less call centre will help you open them. The prescribed groups and Shop & Save complete the requirements; no vehicle sale is needed.
- 6
Potential cash-back into your Mastercard
Meet the requirements in full and you may receive an ex gratia cash-back of up to R3 000 a month, paid into your Mastercard rewards card.
Up to R3 000 / month*
Over a full finance term, what you could potentially receive back far exceeds the cost of the plan. *Ex gratia, subject to the plan's terms and Car4Less's determination; your bank instalment is still paid by debit order as usual. Guaranteed funding, conditional participation, discretionary payment: the funding provision is guaranteed by Car4Less's performance guarantee, your cash-back is conditional on your participation, and Car4Less makes the final ex gratia decision.
Customer journey — questions
How long does the journey take?+
Once your finance is approved through the Car4Less finance application and stock is available, delivery is arranged through the franchise dealer network. Your consultant gives you a realistic timeline for your specific car.
Can I buy for cash or arrange private finance?+
No. Cash purchases are not permitted and private finance is not accepted — finance is arranged exclusively through the Car4Less finance application and submitted to the major banks.
Is the cash-back itself guaranteed?+
The funding provision is guaranteed by Car4Less's performance guarantee. Your cash-back itself is conditional on your participation and discretionary: Car4Less makes the final ex gratia decision. The performance guarantee is a contingency policy Car4Less holds with its underwriters: you pay no premium, are not a party to it and have no claim under it. The Payment Saver Plan is most definitely not a policy.
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.