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The Car Company offers you professional and qualified finance and insurance representatives to guide you through your car buying experience. They are well equipped to handle your finance to ensure an efficient, hassle-free process. For your convenience you can apply online for finance. Simply select your vehicle and click on ‘apply for finance’. This option is available to all individuals with a South African ID and valid driver’s licence. If you apply online as a company or foreigner, you will be redirected to our emailing alternative.
You are most welcome to visit our The Car Company branch or head office, where one of our finance and insurance representatives can assist you with your finance application.
Please note that we will only finance the vehicles if it is a secured transaction and the finance house does not deem the car to old for financing. Financing is subject to the vehicle passing a roadworthy test, and on condition that it has a balance of at least a 6-month warranty. Where the vehicle is already out of warranty, we have a selection of pre-owned warranties available for purchase and can be added to your finance.
Please note there are additional charges that applies when financing a vehicle:
Approval is subject to terms and conditions as determined by the finance house
Calculate your estimated instalment here.
Can I buy a second-hand car on finance?
Yes, at The Car Company you can buy any of our second-hand cars on finance. You can apply by clicking the respective “Apply for finance” choosing whether you a Private buyer, RSA Citizen or if you sre buying on behalf of a Company or Closed Corporation. After following all the required steps, one of our finance experts or Sales executives will be in contact with you shortly.
Can I get car finance if I have bad credit?
We always present a client's finance application as well as we can to the bank, to help them get finance for their car. We can assist clients who are under debt review or who are blacklisted, with the Rent to Own Option alternatively they will only be able to buy the vehicle cash.
What is the interest rate on a car loan?
The final interest rate on your car loan will be dependent on the specific bank you apply with, the cost of the vehicle, the instalment period, the deposit you pay etc. Therefore, the interest rate on your car loan cannot be pre-determined.
The Car Company provides you with the convenience of obtaining in-house car finance as well as a range of insurance products and services to protect your car. Whether you are buying a car as an individual or as a company, our highly trained finance and insurance representatives will ensure you have to do as little as possible while getting the best value for your money.
Please note there are additional charges that applies when financing a vehicle:
By using our car finance calculator, you will be able to calculate your estimate instalment options on your chosen vehicle and have the option to adapt the calculated cost according to your financial needs.
When you complete the required fields of the car finance calculator, the estimate will adapt according to the cost of the vehicle, the deposit you pay, the interest rate and the instalment period you choose to settle the loan.
Individual RSA Resident: You can either apply by downloading the Finance Application below or select Apply Finance and a Finance Expert or Sales Executive will be in contact to assist you via the telephone. Give us a call on 012 010 0297
Individual Non RSA Resident: You can either apply by downloading the Finance Application below or select Apply Finance and a Finance Expert or Sales Executive will be in contact to assist you via the telephone. Give us a call on 012 010 0297
Company or Closed Corporation: You can either apply by downloading the Finance Application below or select Apply Finance and a Finance Expert or Sales Executive will be in contact to assist you via the telephone. Give us a call on 012 010 0297
Download the paperwork. Take some time to complete it. You can email it, fully completed together with your FICA documents. We're happy to help you through the application process and to make sure you get the fixed rate car loan that is right for you!
A Finance Expert or Sales Excecutive will be in contact to assist you with your finance application, when you submit this contact form. FICA DOCS
Open today | 09:00 – 17:00 |
A Finance Expert or Sales Excecutive will be in contact to assist you with your finance application, when you submit this contact form. FICA DOCS
Open today | 09:00 – 17:00 |
A Finance Expert or Sales Excecutive will be in contact to assist you with your finance application, when you submit this contact form. FICA DOCS
Open today | 09:00 – 17:00 |
Individual RSA Resident: You can either apply by downloading the Finance Application below or select Rent to Own Application and a Finance Expert or Sales Executive will be in contact to assist you via the telephone. Give us a call on 012 010 0297
Download the paperwork. Take some time to complete it. You can email it, fully completed together with the following required Documents:
We're happy to help you through the application process and to make sure you get the option that is right for you!
A Finance Expert or Sales Excecutive will be in contact to assist you with your finance application, when you submit this contact form. FICA DOCS
Open today | 09:00 – 17:00 |
Having a warranty on your vehicle is definitely worth it. How often do one hear about a client that had an accident with their vehicle just after the 1st year and the insurance only paid the bank short?
I don't know, well that's exactly what happened to me. A h deposit, year worth of instalments down the drain....just to bad so sad.
Life is unfair, bear with it but if you know, why don't take precaution. Rather pay a small instalment in addition monthly than to face disaster when it strikes.
Why it is Important to have:
To provide you, the customer with a mechanical and/or electrical product that cover a range of components.
This Policy comprises of an Extended Warranty (Option 1) or a Pre-owned Warranty (Option 2 or Option 3).
Your car’s age and current distance will determine what option your car will qualify for. Please note that this Policy does not cover every eventuality and you need to fully understand what cover is provided under this Policy.
EFFECTIVE DATE AND DURATION:
Extended Warranty: The effective date of your policy commences on the date or kilometres that your Manufacturer's Warranty or Maintenance Plan expires and extends or provides warranty cover for a further 24 months or until a total of 250 000 km's is recorded on the odometer from the date of original registration, whichever occurs first.
Pre-Owned Warranty: The effective date of your policy commences on your Policy purchase date and is valid for a further period of 24 months with unlimited kilometres.
To keep with your vehicles service book or service plan is the way to go. This ensures that your vehicle is mechanically sound and you don't have to worry about when or where you would need help. Leave unforeseen incidents really for unforeseen instances.
Be smart and take out that service plan. When your vehicle has 20 000 or maybe 100 000km's on the clock you might not have the additional budget available for that specific service and before you know it another 2 000 or 5 000 km's has pass
Why it is Important to have:
To provide you, the motorist, a peace-of-mind motoring experience with regard to the servicing of your motor car and cover for the manufacturer-specified parts, labour and oil required for the periodic servicing of your car.
Please note that this Plan does not cover every eventuality and you need to fully understand what cover is provided under this Plan.
EFFECTIVE DATE AND DURATION:
This Plan will commence on either the date of sale of this Plan or if your car is still covered under an existing service or maintenance plan, when the existing plan expires. This Plan may start earlier than indicated on the dealer schedule or service agreement form depending on when your existing plan expires. If the car’s existing service or maintenance plan expires before the end date due to your car reaching the existing plan’s kilometres first, it is your responsibility to notify the Administrator to amend your Plan start date to the expiry date of the existing Plan. The following provides a description of what is covered under the Plan and what is not covered:
One can't express the importance of insurance enough.
One day when you might need the insurance you will realise that either you are under insured or hopefully not like me realise that with life's happenings you didn't place the vehicle on the insurance policy the moment you took ownership.
Ensure your insurance are in place before you take the vehicle's keys and ensure that you are covered for the retail value.
Comprehensive car insurance covers all the bases. It is designed to ensure that you are fully covered against loss or damage—be it from theft, hijacking, fire and liability claims, or accidental, flood, hail and intentional damage caused by someone else. Simply put, it is all the comprehensive car insurance you will ever need with the outstanding benefits you have come to expect from our exclusive insurance partner.
Essential car insurance is perfect for vehicles that are older than five years, not financed, and worth less than R125 000. Essential car insurance differs from comprehensive car insurance in that all valid claims will always be paid out in cash, and you will be in complete control of the repairs process. The premium will also be significantly less than for comprehensive cover.
This product provides you with an exclusive repair policy that will cover repairs to minor dents and scratches, repairable stone chips, air conditioner treatment and tar removal.
Please note that this plan does not cover every eventuality and you need to fully understand what cover is provided under this plan.
Please speak to your sales executive or your finance and insurance agent at one of our WeBuyCars branches for more information.
Scratch and Dent Cover (Ts & Cs apply)
This product provides you with tyre and rim cover, which covers the costs of repairing or replacing damaged tyres and/or rims of the vehicle.
Please note that this policy does not cover every eventuality and you need to fully understand what cover is provided under this policy.
Please speak to your sales executive or your finance and insurance agents at The Car Company for more information.
Tyre and Rim Cover (Ts & Cs apply)
This product provides you with credit shortfall cover between the insured value of the vehicle and the amount owing to the financial institution, in terms of the relevant credit agreement.
Please note that this plan does not cover every eventuality and you need to fully understand what cover is provided under this plan.
Please speak to your sales executive or your finance and insurance agent at one of our The Car Company branches for more information.
Credit Shortfall Cover (Ts & Cs apply)
For your convenience, The Car Company is exclusively partnered with NETSTAR to offer you quick, on-site fitment of car tracking while you finalise the paperwork for your new car.
CONVENIENT - fitment while you wait.
EFFECTIVE - 90%+ recovery rate.
EFFICIENT - meets insurance requirements
Netstar’s legendary car tracking & recovery service gives you and your family the ultimate in peace of mind to protect your car.
We offer the following products:
Our most affordable option
You get:
Our feature-rich option
You get:
Get double the protection at a fraction of the cost
Get all-round protection including our Peace of Mind Warranty to protect your vehicle.
We offer a Recovery Service Warranty of up to R 50 000 in the unlikely event that we do not recover your vehicle.
Please speak to your sales executive or your finance and insurance agent at The Car Company for more information.
Your standard life insurance cover does not provide cover for this debt as it is paid out to a beneficiary unless it is in an estate.
Life cover policies do not cover instalments in the event of temporary disability or retrenchment.
In the event of a loss of income due to involuntary retrenchment or temporary disability, the customer’s instalments are paid in full for a maximum of 3 months on one claim, reducing the impact on the customer’s hard-earned savings and credit record.
Credit Life pays out the balance owing on the vehicle finance in the event of dread disease claims whereas life cover pays out a lump sum, which might not cover all the debt that a customer might have.
Unlike life cover, Credit Life does not require a customer to undergo a medical examination.
In some cases where customers can’t obtain life cover, Credit Life will cover their outstanding vehicle finance debt - limited to a 24-month waiting period.
Please speak to your finance and insurance agent at The Car Company branches for more information.
On the death of the insured, the outstanding balance owed to the bank is paid (Vehicle is paid off). Vehicle goes into the estate as an asset and not a liability.
The dread diseases mentioned below must at claims stage be diagnosed by a registered medical practitioner and supported with evidence. Dread diseases are covered only in their most critical life-threatening stages.
On the permanent disability of the insured, the outstanding balance owed to the bank is paid (Vehicle is paid off). Once the client is declared permanently disabled the outstanding balance owed to the bank is settled. There is a deferred period of 6 months that it can take for medical investigations to finalise the claim.
If you are looking for an alternative way to pay for your next vehicle at The Car Company, taking out a Capitec personal loan might be a smart move.
If you are interested in purchasing any vehicle from The Car Company and require quick and easy funding, you will be able to benefit from Capitec’s personal loan option. (Please refer to the The Car Company terms and conditions for an explanation of the categories of vehicles available in our product selection.)
Capitec offers a loan option where you can apply for personal credit. This option allows you to get a loan for the entire purchase price, or to top-up your cash deposit with a Capitec personal loan, making owning the vehicle of your dreams a possible reality.
When looking at buying a Vehicle older than 7 years/ Category B vehicle on our website, you can select the “Apply for Finance” option and follow the required steps. After completing the Capitec Credit Application, Capitec will process your information and communicate the next steps.
The personal credit application is subject to approval by Capitec. The Car Company only transfers your information to Capitec and cannot guarantee approval of the loan. It is important to note that The Car Company does not apply for the credit on your behalf and does not act as an agent of Capitec.
Things you have to consider to make a well informed decision which will benefit you in the long run.
Kindly take note that usually you will receive more value when trading in your vehicle for another instead of selling your vehicle to one showroom and buying from another.
You know what you have and not necessarily what you will get when looking at pre-used vehicles.
With The Car Company you can rest assured that we are no fly by night and all our vehicles are professionally checked to be mechanically sound and roadworthy.
Why getting rid of your Vehicle?
One need to think carefully when and why one would like to sell your Car. Although a Car is a constant expense it is still a long term investment. It is like a life partner. You need to be able to fulltrust If your vehicle gives you problems be upfront about it with the dealer instead of trying to make your problem someones else's to deal with. Transparency is the way to go, maybe you just don't have the know how or the right mechanic to assist, Honesty pays. What goes around comes around.
One need to think carefully when it comes to making the decision between buying a new or pre-owned vehicle.
Add a footnote if this applies to your business
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