Post & Share — the Payment Saver Plan

The Payment Saver Plan is the Car4Less Post & Share rewards plan, attached to every Car4Less Programme Car. A new-car buyer who meets the plan's qualifying requirements in full — creating, posting and sharing approved Car4Less content, joining the prescribed groups and completing the Shop & Save shopping requirement — may receive an ex gratia cash-back of up to R3 000 a month, subject to the plan's terms and Car4Less's final determination. That effectively lowers the instalment on their car.

No. You do not have to produce, demonstrate or be credited with a vehicle sale from your posts, shares or shopping to be considered for the cash-back. What counts is meeting the plan's qualifying requirements in full — the cash-back then remains subject to the plan's terms and Car4Less's final determination.

No — it is separate from the drawcard discount. Every car on the site shows its Car4Less price, below the manufacturer's retail price, as the drawcard. The Programme Car is the Car4Less price plus the Payment Saver Plan, set out in a separate offer to purchase for your approval, and its value is the potential monthly cash-back: meet the plan's 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. Over a full finance term, what you could potentially receive back far exceeds the cost of the plan. Both are financed only through the Car4Less finance application — cash purchases are not permitted.

No. Cash purchases are not permitted and private finance is not accepted. Finance is arranged exclusively through the Car4Less finance application, which Car4Less submits to the major banks — WesBank, Absa, MFC and Standard Bank. You then sign a standard finance agreement directly with the bank that approves you.

No. The Payment Saver Plan is most definitely not a policy. You buy no policy, hold no policy and pay no premium. It is a non-insurance product — not an insurance policy, insurance product or insurance benefit of any kind for the buyer. Separately, Car4Less's ability to fund the cash-back is supported by a performance guarantee arrangement that Car4Less holds with its own underwriters; you are not a party to it and it gives you no claim.

There is a cost associated with the Payment Saver Plan. It differs from deal to deal, is determined by Car4Less for your transaction, and is incorporated into the vehicle's financeable retail price — so it forms part of your normal monthly instalment, paid by debit order to the bank as usual. There is no separate premium or fee to pay.

You must complete the prescribed participation in full — three approved posts a day on each of Facebook, Instagram, TikTok, YouTube and LinkedIn, every day, using approved Car4Less content; joining the prescribed groups; and meeting the Shop & Save verified-shopping requirement. When you have, you may receive an ex gratia cash-back of up to R3 000 a month, subject to the plan's terms and Car4Less's final determination.

Three approved posts a day on each platform — Facebook, Instagram, TikTok, YouTube and LinkedIn — every day of the week, using approved Car4Less content. You also join the prescribed groups and complete the Shop & Save requirement. Your written plan agreement sets out the requirements in full.

Car4Less does. Every post is submitted to Car4Less for approval before it is published (by email for now), so that nothing defamatory, incorrect or misleading goes out under the Car4Less name. Only approved content is released, and only approved, published posts count towards the requirement.

Yes. No social media accounts yet? The Car4Less call centre will help you open them and get posting.

No. The plan is all-or-nothing: the prescribed participation must be completed in full. Incomplete or irregular participation, or missed activity quantities or frequencies, does not qualify. Even where the requirements are met, the cash-back is an ex gratia payment — Car4Less makes the final determination in its sole discretion.

The funding provision is guaranteed by Car4Less's performance guarantee — a contingency policy Car4Less holds with its underwriters, according to its policy terms. Your cash-back itself is conditional on your participation and discretionary: Car4Less makes the final ex gratia decision, so it is never automatic and no participant is promised R3 000 in any month. You pay no premium, are not a party to that policy and have no claim under it — the Payment Saver Plan is most definitely not a policy. See The Payment Saver Plan Guarantee page for the full explanation.

Ex gratia means a voluntary payment by Car4Less, not one arising from a contractual or legal obligation. Car4Less decides whether to pay, and how much up to R3 000 a month, and its determination is final. That is why the cash-back is described as "up to" and "subject to" the plan's terms.

Yes. Every participating new-car buyer signs a written Payment Saver Plan agreement with Car4Less that sets out the requirements, benefits and conditions in full. You may not create or publish defamatory, deliberately misleading or maliciously negative content about Car4Less, its people, products or services — a deliberate breach disqualifies you from any further Payment Saver Plan benefits for the remainder of your vehicle agreement. Genuine, positive content about your own experience is encouraged.

No. Your finance is arranged through the Car4Less finance application, and your finance agreement with the bank is a standard one — you pay your normal monthly debit order to the bank under standard terms, and your car carries its full manufacturer warranty. The Payment Saver Plan sits alongside your finance and does not change it.

Any cash-back Car4Less pays is loaded onto your own Mastercard rewards card, issued and administered by an approved, regulated financial services provider. It's real money in your hands — spend it anywhere Mastercard is accepted, or put it straight towards your instalment.

Shop & Save is the verified-shopping requirement of the Payment Saver Plan — the second of the plan's two parts, alongside Post & Share. You complete prescribed, verified everyday shopping at Checkers, Pick n Pay, Dis-Chem and Shoprite. It is not a second cash-back: the plan's benefit is the single ex gratia payment of up to R3 000 a month. See the Shop & Save page for the full picture.

Affordability is one of the biggest challenges facing South African vehicle buyers. Car4Less was specifically designed to address it — combining measurable participation, verified activity and disciplined plan governance into an automotive affordability ecosystem that can deliver real financial value to qualifying households.