Vehicle Finance Made Simple

Whether you’re buying new or pre-owned, we help you secure the right vehicle finance at a competitive rate. We simplify the process, compare across leading lenders, and guide you from application to approval.

Why apply with Carfin?

• Competitive rates – We compare offers so you don’t have to.
• Fast turnaround – Streamlined digital application and document process.
• Trusted partners – Access to major banks and finance providers.
• Tailored options – Fixed or linked rates, terms that match your budget.
• Clear guidance – We explain your options, fees, and obligations.

How vehicle finance works

1. Apply online – Share your details and vehicle info securely.
2. We source offers – We compare lenders and products on your behalf.
3. Choose your deal – Pick the rate, term, and structure that suits you.
4. Approve and drive – We finalise paperwork and you take delivery.

Finance products we can help with

• Instalment Sale – Own the car at the end of term once settled.
• Balloon/Residual – Lower monthly instalments with a final lump sum.
• Leasing options – Flexible terms for qualifying clients and businesses.
• Private-to-private – Finance for vehicles bought from private sellers.

Basic eligibility

• South African ID and valid driver’s licence.
• Stable income and affordability per NCR guidelines.
• Vehicle that meets lender age and condition criteria.

What you’ll typically need

• SA ID document
• Recent payslips and bank statements (3 months)
• Proof of residence (not older than 3 months)
• Vehicle details and purchase proposal

Rates, terms, and costs

Your rate depends on your credit profile, income, vehicle, and deposit. You can choose a term that balances monthly affordability and total interest. We’ll disclose all fees upfront and help you compare options clearly.

Finance FAQs

Do I need a deposit?

A deposit can improve your rate and reduce instalments, but it’s not always required.

Fixed vs linked rate?

Fixed keeps repayments stable. Linked tracks the repo rate—instalments can move up or down.

Can I buy from a private seller?

Yes. We support private sales and handle the admin to keep things safe and compliant.