How it works
South Africa's most effective way to buy a new car
Our promise is simple: you'll drive the most cost-effective new car in South Africa. The way there is the Programme Car — any new car, financed through Car4Less, with the Payment Saver Plan attached.
The Car4Less offer
The Programme Car
Every car shows its Car4Less price, below the manufacturer's retail price, as the drawcard. Prefer to pay less every month? The Programme Car with the Payment Saver Plan is the main focus of Car4Less and the best value proposition we have.
What it is
Any new car
A Programme Car is a brand-new car of your choice at the Car4Less price plus the Payment Saver Plan, set out in a separate offer to purchase for your approval. Once finance is approved and stock is available, delivery is arranged through the authorised national franchise dealer network.
How it is financed
Through Car4Less only
Finance is arranged exclusively through the Car4Less finance application, which Car4Less submits to WesBank, Absa, MFC and Standard Bank. Private finance is not accepted, and cash purchases are not permitted.
What comes with it
The Payment Saver Plan
Post and share approved content and complete your Shop & Save shopping, and you may receive an ex gratia cash-back of up to R3 000 a month into your Mastercard rewards card. No car sale required. R6 500 normal instalment less up to R3 000 = a R3 500 effective instalment. Subject to the plan's terms and Car4Less's determination.
Every car's Car4Less price is shown on its page as the drawcard; the Programme Car price — the Car4Less price plus the Payment Saver Plan — is set out in a separate offer to purchase that Car4Less sends you for approval. Both are financed only through the Car4Less finance application: cash purchases are not permitted and private finance is not accepted.
The new-car hyperstore
From enquiry to driveway, we handle it all
No trekking from dealership to dealership for prices and stock — Car4Less runs the entire transaction from A to Z.
- 1
Pick your car
Browse every new model in South Africa with full specs, variants and its Car4Less price, below the manufacturer's retail price — every one also available as a Programme Car with the Payment Saver Plan. Enquire on WhatsApp when you've found the one.
- 2
Apply for finance through Car4Less
Complete the Car4Less finance application online. Car4Less submits it to the major banks — WesBank, Absa, MFC and Standard Bank — and you sign a standard finance agreement directly with the bank. Cash purchases are not permitted and private finance is not accepted.
Apply for finance → - 3
Sign your Payment Saver Plan agreement
For a Programme Car, Car4Less sends you a separate offer to purchase setting out the Car4Less price plus the plan for your approval, and you sign a written Payment Saver Plan agreement with Car4Less that sets out the requirements, the benefit and the conditions in full — so you know exactly what is asked of you.
- 4
Delivered through the dealer network
Once finance is approved and stock is available, your brand-new car is delivered through the authorised national franchise dealer network — fully registered, with the manufacturer's full warranty, service plan and OEM backing.
Guaranteed funding provision
Funded and backed, with no premium to pay
The Payment Saver Plan is a non-insurance product — most definitely not a policy: you pay no premium and hold no policy. Its cost is added to the Car4Less price and shown in your offer to purchase. The funding provision is guaranteed by Car4Less's performance guarantee, a contingency policy Car4Less holds with its underwriters — you are not a party to it and have no claim under it. Your cash-back stays conditional on your participation and is paid ex gratia at Car4Less's discretion. How the guarantee works →
1 318
New cars to choose from
R3 000
Potential monthly cash-back*
4 banks
WesBank · Absa · MFC · Standard
National
Dealer delivery & aftercare
*Up to R3 000 a month, ex gratia, subject to the Payment Saver Plan terms and Car4Less's determination.
Your car, the normal way — for less every month
Nothing about the way you own your car changes. You sign a standard finance agreement with the bank, pay your normal monthly debit order, and your car is delivered by the national franchise dealer network with its full warranties, service plan and OEM backing. Servicing happens at any franchise dealer in the country — and your Payment Saver Plan relationship runs directly with Car4Less.
How it works — questions
What price do I see on each car?+
The Car4Less price — below the manufacturer's retail price, with the retail price struck through — is shown on every car as the drawcard. Prefer to pay less every month? Choose 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, with a potential ex gratia cash-back of up to R3 000 a month. Prices shown are estimates; Car4Less confirms the price for your deal in writing.
Do I have to take part in the Payment Saver Plan?+
No. You may buy at the Car4Less price, below the manufacturer's retail price, financed through the Car4Less finance application (no cash, no private finance). Car4Less will explain the Payment Saver Plan to you, because it is our main focus and how you pay less every month: the Programme Car is the Car4Less price plus the plan, set out in a separate offer to purchase for your approval. Taking part in the posting is what unlocks the potential cash-back: three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, every day, plus the prescribed groups and the Shop & Save requirement. Meet those requirements in full and you may receive an ex gratia cash-back of up to R3 000 a month, subject to the plan's terms and Car4Less's determination. No car sale is needed to be considered.
Can I buy my car with cash?+
No. Cash purchases are not permitted. Every car — at its Car4Less price or as a Programme Car — is financed through the Car4Less finance application, which Car4Less submits to the major banks — WesBank, Absa, MFC and Standard Bank.
Can I arrange private finance with a bank of my choice?+
No. Private finance is not accepted, whether you take the Car4Less price or the Programme Car. Finance is arranged exclusively through the Car4Less finance application and submitted to the major banks; the Programme Car is structured as one deal with the Payment Saver Plan, its cost added to the Car4Less price and shown in your offer to purchase. You still sign a standard finance agreement directly with the bank that approves you.
Is Car4Less a dealership?+
No — think of us as a new-car hyperstore. We handle the entire transaction from A to Z: the Programme Car, the finance application through the major banks, the Payment Saver Plan, and delivery through the authorised national franchise dealer network. You get the exact car you chose without trekking from dealership to dealership.
Who finances the car?+
The banks that finance every new car in South Africa — WesBank, Absa, MFC and Standard Bank. Finance is arranged exclusively through the Car4Less finance application, which Car4Less submits to those banks. You then sign a standard finance agreement directly with the bank, mostly online, and pay your normal monthly debit order to the bank.
Where do I service the car?+
At any franchise dealer for your brand, anywhere in the country. If your car was delivered from Bloemfontein and you live in Cape Town, you simply use your closest dealer — the warranty and service plan apply nationally.
Who do I deal with after delivery?+
For the car itself — warranty, servicing — the franchise dealer network. For the Payment Saver Plan — Post & Share and Shop & Save — directly with Car4Less, under the written Payment Saver Plan agreement you sign with us.
#car4less — Buy it, Post it, Share it
Drive the most cost-effective new car in South Africa.