Personal Vehicle Finance


Choose your preferred consultation and application process; Telephonically, Virtually, Face-to-face or Online.

Personal Vehicle Refinance


Don’t accept high-interest rates. There is a chance that you could qualify for a lower rate.

Leisure Asset Finance


Buy new and used leisure vehicles, including bicycles, quad bikes, jet-skis, caravans, trailers and golf carts

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  • Finance
  • Refinance
Finance

Vehicle Finance

Download Application

Download the personal vehicle finance application form to complete offline.

Online Application

The online vehicle finance application will take you around 10 minutes to complete. You can save and continue the application at any time.

Direct Support

Complete a short contact form and one of our trained consultant will call you.

Refinance

Vehicle Refinance

PDF Application

Download the personal vehicle finance application form to complete offline.

Online Application

The online vehicle finance application will take you around 10 minutes to complete. You can save and continue the application at any time.

Direct Support

Complete a short contact form and one of our trained consultant will contact you.

Man applying for Personal Vehicle Finance for luxury car

How can you benefit from refinancing your car?

The Benefits of Car Refinance


Reduce your monthly instalments

You can lower your monthly instalments by extending your credit or apply for a reduced interest rate on your current vehicle finance.

Receive a cash benefit

If your car is worth more than what you currently owe, you can get a cash benefit.

Lower interest rates

Don’t accept high-interest rates, there could be a chance that you can qualify for a lower rate.

Get a payment break (up to 2 months)

You may be able to receive a slight break (up to 2 months) from paying your installments.

From Start to Final Approval

The Process


Applying for car finance or refinance may seem like a difficult process, but we’ve got you sorted with our step-by-step finance application system. We will support, assist and communicate with you throughout the application process.

01

Pre-Approval

Complete and submit your application

Attach all required documents as indicated on the application form or email them to apps@usorted.co.za.

Await Pre-Approval confirmation (24 hours).

02

Validation for Final Approval

Required documents are necessary for validation and final approval.

Sending the required documents upfront means we can fast track the validation process.

03

Car Sourcing (if requred)

Once Final approval is granted, we find the best deals from various dealerships and negotiate for a better price on new and pre-owned cars, based on your vehicle specifications and budget.

View and Test Drive

We set-up an appointment for you to view and test drive the vehicle/s.

04

Accept & Deliver or Collect

One of our qualified Finance & Insurance managers will contact you to discuss the Finance Terms and all the available Products and Warranties.

Once you sign the contract with the preferred bank, we arrange all registrations, and collection or delivery of the vehicle/s.

REQUIRED DOCUMENTS


A copy of the following supporting documents will be required for validation and final approval

ID & Drivers

A Copy of your valid driver’s licence and Identification Document

Proof of income

A Clear copy of your latest 3 months payslips.

Latest 6 months bank statements if self-employed.

Proof of address

Water & lights , clothing , telephone and other accounts or a signed affidavit.

Invoices, bank- and Insurance statements.

Bank statements

Latest 3 months bank statements.

Other Vehicle Finace Questions You Might Have

Frequently Asked Questions


What are the qualifying criteria?
  • The value of the vehicle is not less than R100 000
  • The vehicle is not older than 10 years.
  • You are not listed for bad debt.
  • The vehicle is roadworthy, has not been rebuilt (Code 3) and is not a “Stolen and Recovered” vehicle.
Do I need to pay a deposit when buying a vehicle?

As per legislation, you do not need a deposit. However, this will depend on your financial situation.

Do I need Car Insurance to apply for Vehicle Finance?

Yes, most financial institutions won’t give you a car loan if you don’t have comprehensive car cover.

What is the difference between a Variable Interest Rate and a Fixed Interest Rate?

A variable interest rate can go up or down depending on the prime market rate, which is determined by the actions of the South African Reserve Bank.

A fixed rate means your rate is fixed regardless of market changes.

Is it Safe?
  • Your personal information will be kept strictly confidential.
  • The finance is done through a major South African financial institution.
  • We handle all the registration documents and transfers for you.
  • You sign the final paperwork only once you are comfortable with the terms of the finance agreement.