Rating based on 53 reviews


  • Buy and sell cars
  • Low-interest starting from 10.25%
  • Repayment up to 24 months

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Cars.co.za homepage
Author Cars.co.za. Screenshot of Cars.co.za website.
[Accessed May 13, 2018]

Cars.co.za is a leader in car finance & insurance

Our customers are immeasurably happy because we have it all. When you wish to buy a new or used car, you won’t have to get products and services from a number of different providers.

We will provide you with vehicle finance as well as the vehicle you desire, and we have a wide variety of products to choose from.

Effective three-step program

With our simple three-step program, you can select a car available for sale, get the finance you need to purchase it, and get insurance cover. Our experts are there to offer you complete assistance. We have the best deals around, and we are very proud to say that our customers agree.

You get affordable vehicles, affordable car finance, and insurance all in one place by making use of our online loans and vehicle search tools.

Easy to use online platform

Our used car search platform will make it easy for you to find the ideal vehicle and car loan for you and even complete an online loan application to secure the finance you need.

When you use the search platform, you simply outline your criteria and use it to conduct your search. Your perfect match will appear in a matter of seconds and you’ll find the vehicle you want at the price you can afford.

Affordable vehicle finance

If you are a business owner or manager, you can easily browse our used cars for sale and obtain business finance for the transaction. You can customize your search by entering the brand name, area, or category. With us, you will get exactly what you need - the right car for the right price.

Guaranteed buybacks

These car loan agreements are usually structured as a 36-month term with a 60% residual value. The car manufacturer guarantees to pay you the full value of the 60% owing under the lease or rental or installment sales agreement. This option is not advisable for high mileage drivers.

Cars.co.za – Vehicle finance

  • Loan Type Vehicle finance
  • Interest Rate from 10.25%
  • Repayment 12 months to 24 months

Benefits of Cars.co.za

  • Affordable vehicle finance
  • Low-interest rates starting from 10.25
  • Quality cars to choose from

Vehicle finance calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Cars.co.za - Get your dream car today

You may know everything there is to know about the car of your dreams, but if you don’t have the correct information about financing you could encounter various problems.

Let us help you choose the correct option to suit your needs and read through these options before you decide on car finance. We are also here to assist you with any questions you might have.

You can use our online platform to ask questions, provide comments or just give us general feedback. Our staff are experts in their field and their passion will be an advantage to you.

  • Step 1: Know the value of your car
  • Step2: Verify the car
  • Step3: Interrogate the Offer to Purchase document

These are the options you need to consider:


This might be the most common method of car payment. You pay off your vehicle in monthly installments over a predetermined time period with or without a deposit. To earn the least interest on your loan it will be favorable to make a bigger deposit which will lower your monthly installment.

Installment with a balloon payment

A balloon payment ultimately means a lower monthly payment over a predetermined length of time and at the end of this period, one final, much larger amount is required to settle the loan.

Lease agreement option

A lease agreement allows you to use a vehicle as your own without actually owning it. Lease agreements have strict limitations and penalties if you fail to service the car by approved repairers and if you don’t adhere to the mileage limit.

Warning about installment take-overs

The National Credit Act does not allow a person to take over someone else’s debt without conducting a credit assessment and financial health check. It is illegal and extremely high risk. The person who is interested in taking over the car must settle the finance deal either by finance or with cash. The bank will thereafter release the documents and we at Cars.co.za personally do not condone this type of practice.

Customer Reviews & Testimonials

January 2019

I love the large variety of options available on your website, from personal loans to vehicle financing you have everything available on your website. The 3 step process made it simple to apply. ...

Zuko C
— Cape Town —

April 2019

Your search function made it so easy for me to find a car that I liked in my price range. All I needed to do was outline my search and your website found me the perfect match very quickly. I like...

Dave M
— Umtata —

Cars.co.za Contact

Contact Number


  • not available


Physical Address

  • Block E, Hans Merensky Office Park, 32 Van Buuren Road Bedfordview Gauteng 2008 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed