20+
Years in vehicle finance
Vehicle financeSince 2006
Deals arranged14,256
Your next car, on your terms
Vehicle Finance & Refinance for South Africa
Car finance with one application to South Africa's top banks. A specialist negotiates for you, you pick the deal, and you drive away.
14,256
Finance deals arranged
Google rating, 16 reviews
100%
Online, start to finish
19735
Authorised FSP number
Buying my first car was very daunting, however the guys at carfin really made it such a stress free experience. They made me feel at ease with my first big purchase and really put my best interest first!
Jenna H. · First car …They negotiated an absolutely incredible interest rate for me! I can highly recommend them to anyone for vehicle finance.
Sharon K. · Vehicle finance CarFin made getting my car finance so easy and stress-free. From application to approval it was super fast, and the team explained everything clearly…
Rorisang S. · Vehicle finance Our experience with Carfin was absolutely amazing, from start to finish. Updates, follow ups and extremely helpful…
Shaun J. · Vehicle finance
See it in action
Car finance, the easy way
Start with a quick check on your phone and see where you stand straight away. If it looks good, carry on to the full application. Your details are already filled in, and that is the one we take to the banks.
- Quick check: about 2 minutes, no effect on your credit score
- Full application: about 7 minutes, saved as you go
- One application to South Africa's top banks
Finance calculator
Car finance calculator: know your numbers first
Use this finance calculator to see your monthly instalment before you walk into a dealership. Type your figures or drag the sliders. When it looks right, check whether we can take you to the banks. Or open the full calculator for total interest and shorter terms.
TermTap a term or type any from 12 to 84 months
Estimated instalment
R 6 117/ month
- Amount to finance
- R 315 000
- Total repayment
- R 440 455
Indicative only. Your real rate comes from the bank once you apply. The quick check tells you if we can take your application to the banks.
Apply now
Start with a 2-minute quick checkSoft check, no effect on your credit scoreNCR Approved Finance Broker NCRCP2341
Two ways in
Start small or go all in
Most people start with the quick check. If you already know the car and have your documents, go straight to the full application.
About 2 minutes
Pre-qualify check
A few questions on your phone and a soft credit check. You see where you stand before anything formal happens.
- No impact on your credit score
- No documents. Just your ID number and a rough idea of your income.
- A consultant follows up with your options
What your result means
- GreenYou meet our criteria and your credit looks good. We suggest you send your full application next.
- OrangeNot a decline. One of our team looks at your check personally and gets in touch shortly.
- RedWe cannot help just yet. A registered debt counsellor can help you clear your profile first.
If the check cannot finish on our side, a consultant runs it for you. It never counts as a decline.
Ready for the banks
Full application
Found the car and ready to move? Apply in full, in about 7 minutes, and we submit your application to the top banks for you.
- One application, top banks
- Upload documents from your phone
- Your consultant negotiates the offers
How it works
One application. South Africa's top banks.
The quick check tells you where you stand. The full application is what we take to the banks. We do the legwork and bring you the offers worth having.
1Quick check
See where you stand
A few questions and a soft check, about 2 minutes. It tells you where you stand with our criteria. Nothing goes to a bank yet, and your credit score is not affected.
2Full application
This is what goes to the banks
About 7 minutes, with your documents. Your consultant sends this one application to the top banks and negotiates the rate and terms for you.
3Drive
Pick your deal and drive away
Compare the offers, choose the one that fits your month, sign and collect your car.
What we finance
Car finance for the way you buy
Car finance from a dealer or a private seller, for a new car or the one you already drive.
Balloon up to 50%Fixed or linked
New & used
Vehicle Finance Compared Across Top Banks
One application for a new or used car, compared across the top banks, with or without a balloon.
Vehicle finance
Same car, better deal
Refinance
Refinance Your Car and Lower Your Repayment
Still paying the rate your dealer gave you years ago? We take your finance back to the banks to see if you can lower your repayment.
Refinance your car
Buyer and seller protected
Private sale
Private Sale Finance Done Safely
Buying from a private seller? We finance the buyer and handle the payment safely, so nobody hands over money or keys on trust.
Private sale finance
One car or a fleet
Business
Business Vehicle Finance
Finance for the bakkie your business runs on, or the fleet it is growing into. Self-employed applicants are welcome.
Business vehicle financeBefore you apply
Who Carfin can help
We are honest about who we can help and who we cannot. A straight answer up front saves everyone time.
We can help
- South African citizens and permanent residents
- A regular income, salaried or self-employed
- At least R10,000 take-home pay a month
- A credit profile we can take to the banks
- Drivers who want to refinance the car they have
We can't help
- Anyone under debt review (the NCA prohibits new credit)
- A judgment against you, until it is paid and rescinded
- Take-home pay under R10,000 a month
Education hub
Education is protection
Understand your deal before you sign it. Plain guides written to help you, not to sell you something.
Refinancing
How to Refinance Your Car in South Africa
Step by step: switching your deal, lowering your repayment, and what it costs.
Read the guide
Finance types
Balloon Payments Explained
What a balloon is, how it changes your total cost, and what happens when it falls due.
Read the guide
FAQs
Vehicle Finance FAQ
Eligibility, documents, credit, timing and the application process, answered plainly.
Read the guideQuestions
Good to know
No. The quick check is a soft check, so it has no effect on your credit score.
A vehicle finance broker takes your application to the banks for you, so you don't apply to each one yourself. Carfin sends one application to the top South African banks, negotiates the rate and terms for you, and shows you the offers so you can choose.
Yes. Carfin's fee is R7,900 in total: an R5,950 admin fee (VAT included) plus R1,950 registration, paid at cost to the licensing department. Licensing is separate. You see every cost before you sign.
Yes. Carfin helps self-employed applicants, as long as you earn a regular income of at least R10,000 take-home a month and can show it.
Yes. Carfin finances private sales for the buyer and works with the seller too. The payment is handled safely, so nobody hands over money or keys on trust.
A balloon moves part of the price to the end of the term. Depending on the bank, it can go up to 50%. Your monthly instalment drops, but you pay more interest overall, and you settle or refinance the balloon when the term ends.
Find out where you stand today
One application to the top banks and a consultant who negotiates for you. No obligation to accept any offer.
Start with a 2-minute quick checkSoft check, no effect on your credit scoreNCR Approved Finance Broker NCRCP2341