Private Vehicle Finance

Get trusted support through your vehicle purchase. Access to a network of FNB approved testing stations nationwide and the ability to buy or sell a vehicle privately, with personalised interest rates.

Apply now

Drive your dream with hassle-free private vehicle finance

Buy or sell a vehicle privately with flexible finance that suits your needs. You can finance a qualifying vehicle up to 20 years old, from R30,000 after your deposit.

Why choose us

Personalised interest rate

The interest rate is tailor made to suit you.

Immediate application feedback

Within 30 minutes you'll get an answer on the outcome of your application.

Registration handled by FNB

Registration from the buyer handled by FNB.

Access to testing stations

Access to countrywide approved testing stations.

Fixed or variable rate linked to prime

The choice is yours.

Instalment Sale or Lease Agreement

Buy or sell privately.

Enjoy peace of mind and a smooth ride

Optional value adds available with your vehicle finance.

Retrenchment Policy

Pays up to 9 monthly instalments when you are involuntarily retrenched and remain unemployed.

Deposit Protector

Pays back your deposit if the vehicle is stolen or written off.

Courtesy Car Policy

Pays for the use of a courtesy car for up to 21 days if your car is stolen, written off or damaged.

Make sure you're covered

Various cover options available to make sure you're always taken care of.

Comprehensive Insurance

Covers vehicle to protect the customer and FNB.

Cover Plus

The shortfall insurance which covers the difference that is owed to FNB and the insurance payout.

Customer Protection Plan (CPP)

Covers the outstanding balance in the event of death or permanent disability.

Vehicle Warranty

Covers mechanical breakdown after the manufacturer's warranty expires.

More about your options

Choice of fixed or variable rate

Prime lending interest rates can be volatile, so we are happy to offer you either fixed or variable rates linked to prime lending rate.

Fixed interest rate: Interest rate is fixed and does not change throughout the duration of the loan. Repayment amounts remain the same amount every month.
Variable interest rate: Interest rate may change over duration of the loan. It is linked to the prime interest rate. Monthly repayment amount may vary depending on how the rate changes.

Instalment Sale or Lease Agreement

Choose the one that suits you best.

Instalment Sale Agreement: Means the vehicle is purchased from the dealer, or private seller but the bank owns the vehicle until you have finished paying it off. Monthly repayments are made over a specific period. When your final instalment has been paid, you take full ownership of the vehicle.
Lease Sale Agreement: Allows you to lease a vehicle from the financier with the option to buy the vehicle at the end of the agreement. Enjoy the use of the vehicle without outright ownership and the lease payments may be tax deductible.

Drive your dream

Get hassle-free private vehicle finance with personalised interest rates and access to FNB approved testing stations nationwide.

Qualifying criteria

•Permanently employed

•18+ with a driving licence

•Earn at least R6,000 a month and have a clear credit record

Required documents

•Proof of income (recent payslip or 3 months' payslip if you are self-employed)

•A signed declaration in accordance with the NCA

•A green bar-coded South African ID book/new ID card

•South African driving licence

•Proof of residence

•If you are a foreigner, a valid passport, permits and international driving licence are required

•Application for certification of roadworthiness

•Application for licensing of motor vehicle

•Application for registration and licensing of motor vehicles

•Application in respect of licence number for motor vehicles

•Notification of change of ownership, sale of motor vehicle

•Application and notice in respect of business register number

•Refugees will not be considered for vehicle finance

Apply for Private Vehicle Finance

Get trusted support through your vehicle purchase.

Apply now

Get in touch

Call us on 086 111 5225

Call us on 086 176 5588

Find your nearest branch

Terms, conditions and rules apply.