Payment Saver Plan — The Savings Journey
The Payment Saver Plan may reward your participation with an ex gratia cash-back of up to R3 000 a month. Here's the path from your Programme Car to a lower monthly cost.
- 1
Your Programme Car
Financed through the Car4Less finance application; your debit order to the bank stays exactly as normal.
Cash purchases are not permitted and private finance is not accepted. Once your finance agreement is in place, nothing about it changes — same bank, same agreement, same monthly debit order. The Payment Saver Plan sits alongside it, not inside it.
- 2
Post & Share approved content
Three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, every day.
Every post is approved by Car4Less before it is released, and only approved, published posts count. No social media accounts yet? The Car4Less call centre will help you open them and get posting.
- 3
Complete the requirements
Meet the prescribed Post & Share and Shop & Save requirements in full.
The prescribed participation must be completed in full. You do not need to produce or be credited with a vehicle sale — and the plan's terms and Car4Less's final determination apply.
- 4
Cash-back to your Mastercard
Where Car4Less decides to pay, up to R3 000 is paid into your Mastercard rewards card.
Up to R3 000 cash-back*
Paid into a Mastercard rewards card in your name, issued and administered by a regulated provider. *Ex gratia — a voluntary payment by Car4Less, subject to the plan's terms and Car4Less's final determination. Guaranteed funding, conditional participation, discretionary payment: the funding provision is guaranteed, your cash-back is not.
- 5
Lower effective instalment
R6 500 normal less potential cash-back of up to R3 000* = R3 500 effective. Example only; T&Cs apply.
R6 500 → R3 500 effective
Illustrative example only. *Ex gratia, subject to the Payment Saver Plan terms and Car4Less's determination. Your bank still debits the full instalment; any cash-back lands separately, effectively lowering what the car costs you each month.
Rewards — questions
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. Buyers who meet the participation requirements in full may receive up to R3 000 a month, subject to the plan's terms. 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 plan itself 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.