Rent-to-own, also known as rent-to-buy, is a way to get a car without needing a bank loan or a perfect credit score. Instead of applying for finance, you rent the car for a fixed period and then have the option to own it at the end of the agreement.
With No Finance Cars (NFC), there are no interest charges, no balloon payments, and no hidden costs. The amount you pay in month one is exactly the same as what you’ll pay in month fifty-four.
Start by applying at nfc.co.za/apply or visiting your nearest NFC branch. The application is quick and simple, no bank checks, no long waiting periods.
You need a valid SA ID and driver’s licence, proof of residence, proof of income of at least R15,000/month (or R60,000 turnover if self-employed), and a R12,500 deposit.
NFC looks at your current financial situation, not your credit record. If you can afford the monthly payments, you can get approved.
NFC offers a wide range of new and pre-owned vehicles, from city hatchbacks to business-ready bakkies. All vehicles go through rigorous quality and safety checks before delivery.
Sign the rent-to-own agreement, pay your deposit, and drive away. Your monthly payment remains fixed for the entire period, no surprises, no interest, no penalties.
Upgrade or downgrade after 18 months, terminate at any time, and drive without mileage limits. Roadside assistance and accident or theft protection are included throughout.
After completing your 54-month term, you take full legal ownership of the vehicle. The car is yours.
Rent-to-own gives you control, stability, and an opportunity to rebuild your financial future.
You qualify if you meet the following criteria:
From city runabouts to commercial workhorses, there’s a vehicle for every need and budget:
View the full NFC vehicle range here.
Rent-to-own is the most accessible way for South Africans to get a car without facing the barriers of bank finance. It provides freedom, financial control, and a clear path to ownership. Whether you need a family car, a work vehicle, or a fresh start after financial challenges, No Finance Cars offers a proven, trustworthy solution.
Apply online or call 011 826 6262 to speak with a consultant.
Apply Online → Call 011 826 6262