Vehicle Refinance Hub South Africa

Vehicle Refinance — Keep Your Car, Release Equity, Lower Instalments, Settle Your Balloon

One application. Major SA banks. Best rate wins.

✓ Paid-off vehicle? Release cash or lower your repayments.
✓ Balloon payment due? We refinance it — keep your car.
✓ Nearly paid-off? Restructure for better terms.
✓ Buying privately? We finance it safely.

VIEW OUR SERVICES START MY APPLICATION

Get a free vehicle refinance quote

Enquiry Quote

First Name

Last Name

WhatsApp Number

ID Number

Services Interested In

How many months have you paid on this agreement already?

0-35

36+

Sorry — based on 0–35 months, the banks generally only consider refinance from 36+ months onwards. Please check back later or message us if you’re unsure.

Financed Bank Currently

Current Settlement Value

Currently in arrears?

Yes

Vehicle Year Model

If you are blacklisted, under debt review, or have active judgments, we cannot assist!
You must be creditworthy!
This is vehicle refinance only — not personal loans
No in‑house finance is offered. - All applications are subject to bank credit checks.

NO DEBT REVIEW APPLICANTS · NO ACTIVE JUDGMENTS · CREDITWORTHY INDIVIDUALS

Vehicle Refinance Services in South Africa

Paid-Off Vehicle Refinance

Can I refinance my car if it's fully settled? Yes. Access the value locked in your vehicle with a secure, bank-backed refinance. Keep your vehicle, enjoy competitive interest rates and pay a normal monthly instalment to the bank — for creditworthy clients only.

UNLOCK YOUR EQUITY →

Car Refinance for Active Loans

Can I refinance my car if it is still under finance? Yes. Don't sell your vehicle or face repossession. If you have paid your agreement for around 36 months or longer, we can restructure your car loan through a major SA bank for a lower instalment — for creditworthy clients only.

LOWER MY INSTALMENT →

Refinance Your Balloon Payment

Is your vehicle's balloon or residual payment due soon? Yes, you can refinance it. Avoid a massive lump-sum cash payout — we convert your final balloon into affordable monthly instalments through a major SA bank. Keep your vehicle — for creditworthy clients only.

REFINANCE MY BALLOON →

Private Vehicle Finance

Buying a car from a private seller? Yes, we finance it. We arrange bank-backed finance and do our due diligence on the vehicle, keeping the transaction safe and secure for both buyer and seller. For creditworthy clients only.

FINANCE MY PRIVATE BUY →

Your Vehicle. Your Equity. Our Expertise.

Competitive vehicle refinance interest rates and monthly savings in South Africa

Competitive Rates

Benefit from our competitive rates that make refinancing more affordable.

Flexible vehicle loan options and repayment terms for refinancing

Flexible Loan Options

Choose from a range of flexible loan options tailored to fit your financial needs and goals.

Expert car refinancing advice and guidance from FAIS-accredited team

Expert Advice

Enjoy a stress-free refinancing experience with our straightforward, guided process.

Vehicle Refinancing Made Easy: 3 Simple Steps

Online application form for vehicle refinancing in South Africa

1. Apply Online

Submit your online enquiry form to receive a fast, free vehicle refinance quotation tailored to your vehicle's current market value.

Comparing vehicle refinance options and interest rates in South Africa

2. Compare

Compare interest rates, monthly instalments and flexible repayment terms from major South African banks with guidance from our FAIS-accredited team.

Signing a vehicle refinance agreement with a major SA bank

3. Sign

Accept your preferred quote and complete your digital contract signing securely online to unlock equity or lower your monthly car payments.

START MY APPLICATION

Credit Providers We Work With

Registered credit providers and major vehicle finance banks in South Africa

What our clients say about us:

    
 
 
       Posted on Google  
   
   Werner Astle 
 
 
 
 Trustindex verifies that the original source of the review is Google. Goeie diens. Ek is vinnig gehelp met die nodige inligting. Alhoewel ek nie voortgegaan het met die herfinansiering nie, het die span my van alle nodige inligting voorsien om ’n ingeligte besluit te neem. ’n A+ besigheid.
  
 
      Posted on Google  
   
   Carmen Loubser 
 
 
 
 Trustindex verifies that the original source of the review is Google. Verseker 5 ⭐️ Diens!!
  
 
      Posted on Google  
   
   Rob Melaia 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent professional service from Neels and his team!
Highly recommended!
  
 
      Posted on Google  
   
   Julian Upshall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Good service and they are prepared to be flexible if issues arise during the process.
  
 
      Posted on Google  
   
   Charon Grobler 
 
 
 
 Trustindex verifies that the original source of the review is Google. Neels was the best!
  
 
      Posted on Google  
   
   Reinhard van Rooyen 
 
 
 
 Trustindex verifies that the original source of the review is Google. They go beyond just what is required. Great team.
  
 
      Posted on Google  
   
   Johanna Ncobo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Clear communication from start to finish, there were no moments of uncertainty.They are highly efficient and deliver the best results.

Vehicle refinance — frequently asked questions

What is vehicle refinance?

Vehicle refinance puts your vehicle on a new finance agreement with a bank. You keep and drive your vehicle. You pay a normal monthly instalment to the bank.

How do I refinance my car?

Apply online with your documents. We submit your application to 5 major South African banks. You accept the offer that suits you, sign, and keep driving your car.

Can I refinance my car if it is paid off?

Yes. You can refinance a paid-off car and release its value as cash. You keep driving it.

Can I refinance my car if it is still under finance?

Yes. If you are around 36 months or more into your agreement, restructure vehicle finance can lower your instalment.

Can I refinance my balloon payment?

Yes. With balloon payment refinance you keep your car and turn the lump sum into monthly instalments.

Which banks do you work with?

ABSA, WesBank, MFC, Standard Bank and Marquis Finance. We submit your application to them for you.

Who qualifies for vehicle refinance?

Creditworthy South Africans only. You need a clear credit record with no judgments, a credit score of 620 or higher, and a minimum monthly income of R8,500. You must not be under debt review or have applied for it. Your vehicle must be a 2010 model or newer, in roadworthy condition.