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Take the stress out of buying a car

Buy a car in 7 steps

Take the stress out of buying a car by letting us guide you through the process.

1. Be ready for a credit check

To get financing on any vehicle, you need to be over 18* and have a good credit record.

If you don’t know your credit status, it’s best to confirm it with the credit bureau before applying for finance.

*If you’re not an SA citizen, you’ll also need a valid passport and a bank account with us.

2. Work out what you can afford

Confirm how much you can spend after expenses every month, see your ideal price range and know what the repayments would be over the loan period you choose.

Get started

Calculate your affordability and monthly repayments or start your application online.

3. Pick your finance plan

You can either keep your car on your final instalment, or return it at the end of your lease. Know the benefits that come with each plan before you decide.

Compare plans

4. Get your car loan pre-approved

This lets dealers know your credit’s good and you qualify for a car loan up to a specific amount.

It also means you won’t need to stress about the interest rate and terms when you’re negotiating on price.

Get pre-approval

5. Find your car

Before visiting any dealerships, do some online research on the car you want to buy, and how much it will cost to insure it.

Know what price the dealers have paid. And if you have a car to trade in, find out its market price in advance.

For bargains on pre-owned cars, you could start your search with us.

Search MyCars

6. Apply for your car loan

Once you’re happy with the price of your car, you can apply for the car loan you want.

Call us on 0860 000 000, SMS 'Wheels’ to 32264 and we’ll call you, or apply online now.

Apply online

7. Insure your car

The dealer will need proof that you’re insured before you can collect your car.

If you need help finding affordable cover, we can get you up to five competitive online quotes from some of SA’s leading insurance providers.

Tell me more

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Get the banking app

Already banking with us? Try our banking app. It’s great for things like…

  • Applying for pre-approval on financing your next car
  • Calculating and managing your repayments
  • Getting cross-border letters or settlement quotes

Get it now and don’t spend another cent on data*, no matter which network you’re on.

*Network costs apply only to downloading the app 

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