A bakkie is not just transport. For a large number of South Africans, it is the vehicle that makes earning possible. Contractors, delivery drivers, tradespeople, small business owners, and farmers all rely on a reliable load-carrying vehicle to get through a working week. Getting access to one through a bank is not always straightforward. Rent-to-own offers a different path, and at No Finance Cars, that path is designed around how working people actually earn and live.
Why a Bakkie Changes What Work is Possible
There are jobs and business opportunities that simply cannot happen without the right vehicle. A plumber cannot carry pipes in a hatchback. A landscaper cannot move equipment in a sedan. A contractor doing deliveries cannot operate efficiently without load capacity.
For many NFC customers, the monthly rental on a bakkie is not a cost to avoid. It is an investment in what they can earn. When transport directly supports income, reliability and practicality matter more than anything else.
The Bakkies Available at No Finance Cars
NFC offers a selection of bakkies to suit a variety of needs and budgets. Our range includes both brand-new and quality pre-owned models, all carefully selected to deliver reliability and value. Below are some of our popular bakkie options, but be sure to keep an eye on our Vehicles page for the latest arrivals.
Toyota Hilux Single Cab
Robust, widely serviced across South Africa. Handles city and rougher terrain well.
How Approval Works for Self-Employed Applicants
Banks often struggle to assess commission-based, freelance, or business income. The paperwork requirements alone can stop an application before it starts. At NFC, approval is based on your current ability to afford the monthly rental. People who are blacklisted or have limited credit history can still apply as NFC makes decisions based on your current circumstances, not your past.
Minimum Application Approval Criteria
Income
You must earn a minimum salary of R15,000 or be self-employed with a minimum average turnover of R60,000 per month
Deposit
You must be able to pay a deposit of R12,500 depending on your vehicle choice
License
You must have a valid South African Drivers License
*Minimum application criteria as of June 2026. Minimum application criteria is subject to change.
Fixed Costs Make Business Planning Easier
When you run a business or work for yourself, unpredictable costs are one of the biggest stressors. With a rent-to-own agreement at NFC, the monthly rental is fixed for the duration of your contract. There are no mileage limits so what you pay in month one is the same as what you pay throughout the agreement. If your work takes you across provinces or involves high weekly distances, you will not be penalised for using the vehicle properly.
We Provide Ongoing Support
1.
In-House Workshop
Servicing and maintenance at preferential rates
2.
Roadside Assistance
Included in your agreement from day one
3.
Relationship Agent
A dedicated contact throughout your agreement
4.
18 Month Upgrades
Change vehicles as your business grows or needs a shift
Ready to Get Started?
If you need a bakkie to support your work or business and bank finance has not worked out, rent-to-own is a straightforward alternative. More than 50 000 South Africans who have had difficulty obtaining vehicle finance have turned to us for help in order to get back behind the steering wheel, and we have done just that. Browse available bakkies here on our website, apply online or get in touch with us to find out more.