My Own Finance.
IT'S THAT EASY
My Own Finance - it's like your own private finance company that offers you a team of highly qualified, experienced and friendly people that are waiting to assist you with your financial needs.
FINANCE YOU CAN TRUST.
DEALS YOU CAN COUNT ON.
Your Dream Car Is Already Waiting for You —
New, Demo, or Pre-Owned
Why spend hours searching online or driving from dealership to dealership when MY OWN FINANCE and our trusted dealer partners can find the perfect car for you?
Tell us what you’re looking for, and we’ll source the best options — quickly, easily, and without the stress.
THIS IS HOW IT WORKS
COMPLETE OUR SHORT APPLICATION FORM
Before applying for personal vehicle finance, please make sure of the following:
You must have a valid RSA ID Book or a valid Passport and Work permit
You must a valid driver’s license.
You must earn more than R10 000.00 per month.
You must have an existing credit history with a clear ITC record.
The vehicle must not be older than 10 years
As we only source for client’s wishing to finance their purchase, we need to make sure upfront that you qualify for finance.
Once we pre-approved your loan, we can start to search for the car of your dreams.
WHY SHOULD YOU USE MY OWN FINANCE?
WE HANDLE EVERYTHING
FOR YOU
GET THE BEST DEAL,
EVERY TIME
ACCESS LOWER PRICES THROUGH OUR BUYING POWER
UNLIMITED VEHICLE OPTIONS
CHOOSE YOUR OWN CAR, ANYWHERE
AVOID DEALER MARK-UPS
WE OFFER TRANSPARENT, UNBIASED ADVICE
FAST AND
EFFICIENT APPROVALS
WE DO THE NEGOTIATIONS TO SAVE YOU MONEY
DOES THIS SOUND FAMILIAR?
You’ve found a car you love — but the dealership keeps pushing their finance option, and it feels like you’re not getting the full picture.
You’re worried you might be paying more than you should… but you don’t know where to compare or who to trust.
You’re tired of the endless paperwork, back-and-forth emails, and confusing financial jargon that dealerships throw at you.
You want the best price and the lowest possible interest rate, but shopping around between banks is overwhelming.
You’ve seen a great deal online — but you’re not sure if it’s legit or if there’s a better option somewhere else.
You feel stuck between choosing a good car and getting a good deal… and wondering why the process has to be so complicated.
You wish someone could just step in, negotiate for you, and make sure you don’t get taken advantage of.
Don't worry, we can help!
HOW WE HELP
End-to-End Finance Support - We Handle Everything For You
Private Vehicle Finance
Buy safely from any private seller
Buying a car from a friend, family member, or private seller?
We guide you through a secure, verified process to reduce risk and protect you from hidden issues.
Get peace of mind with professional finance and safety checks.
Balloon Payment Assistance
Help with upcoming balloon/residual payments
Worried about an upcoming balloon or residual payment?
We assess your situation, present the best options, and help you restructure or settle the balloon smoothly — without the stress.
Vehicle Refinancing
Lower instalments or access quick cash
Lower your monthly instalment, get a better interest rate, or access instant cash.
Whether you want financial relief or extra funds, we restructure your existing loan to suit your needs — while helping you keep the car you love.
Dealership Finance (Best Rates)
Choose any car — we secure the best deal
Found a car at a dealership?
We source the best price and the lowest interest rate across banks and finance partners — often beating the dealership’s offer.
You choose the car; we secure the smartest finance deal.
Vehicle Sourcing & Better Pricing
Get the same car for less
Because of the high volumes we buy, we can often secure the same car you’ve seen at a dealer at a lower price.
We have access to far more vehicles than what dealerships advertise publicly.
From application to approval, we handle everything —
negotiations, paperwork, comparisons and finance structuring.
You get a hassle-free, transparent process from start to finish.
ABOUT US
MY OWN FINANCE was created to make vehicle financing simple, transparent, and customer-focused.
We’re an independent vehicle finance partner that works for you, not the dealerships.
Our team compares banks, negotiates rates, and sources better vehicle prices so you always get the best deal — without the stress, confusion, or hidden agendas.
Whether you’re buying privately, refinancing, settling a balloon payment, or securing finance for a dealership purchase, we guide you through the entire process with honesty, expertise, and care.
OUR MISSION
Our mission is to empower South Africans with
smarter, safer, and more affordable vehicle finance solutions.
We aim to give every client clarity, confidence, and control by offering transparent advice, better pricing, and finance structures that support long-term
financial wellbeing.
At MY OWN FINANCE, your best interest is always our priority —
every step of the way.
At MY OWN FINANCE, we believe vehicle finance should be transparent, simple, and designed around your best interests — not the dealership’s. Our philosophy is built on integrity, honesty, and empowering you to make smart financial decisions with clarity and confidence.
We promise to provide unbiased guidance, secure the best deals available, and handle the entire process with professionalism and care. From sourcing the right vehicle to negotiating rates, we work tirelessly to protect your budget, your time, and your peace of mind.
We guarantee a stress-free, ethical, and client-first experience. You’ll always receive clear options, honest advice, and full transparency — no hidden motives, no inflated prices, no surprises. Your financial well-being is our priority, and we stand behind every recommendation we make.
TESTIMONIALS
What others are saying
"Loved everything so far"
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"My life changed forever"
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"Highly recommend this"
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STILL NOT SURE?
Frequently Asked Questions
Question 1: What makes MY OWN FINANCE different from dealership financing?
Dealerships often earn commissions from their finance partners, meaning their offer may not be the best for you. We work independently with all major banks to secure the lowest interest rate, best deal, and most affordable structure — with no hidden agendas.
Question 2: Can you help me if I already found a car at a dealership?
Absolutely. Simply choose your vehicle, and we will negotiate the best possible finance deal on your behalf. In many cases, we can secure better pricing and lower instalments than the dealership.
Question 3: Do you assist with private vehicle purchases?
Yes! We guide you through a secure, verified process to reduce the risks of buying privately. We help verify the vehicle, check ownership and finance status, and protect you from hidden problems.
Question 4: How do balloon/residual payments work?
A balloon payment is a lump sum owed at the end of your finance term. When it becomes due, we can help you refinance, restructure, or settle it — giving you several options to avoid financial pressure.
Question 5: Can I refinance my car if I’m struggling with payments?
Yes. Refinancing can lower your monthly instalment, reduce your interest rate, or give you access to cash. We help you restructure your loan to make it more affordable without losing your car.
Question 6: How long does the approval process take?
Pre-approvals are usually quick. Once we receive your application and documents, we process your request and present your options — often within 24–48 hours.
Question 7: Is there a fee for applying?
No. Completing our application is completely free, and you only proceed once you’re happy with the options we provide.
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Disclaimer: MY OWN FINANCE is an independent vehicle finance facilitator. We are not a bank or credit provider. All finance approvals, interest rates, instalments and terms are subject to the credit assessment policies of South African banks and authorised finance partners. Calculators and website tools provide estimates only and do not constitute financial advice or a final offer.
POPIA Notice: By using this website or submitting any form, you consent to the secure processing of your personal information as outlined in our Privacy Policy. Your data is encrypted, confidential, and will never be sold or misused.
Terms: All services are provided in accordance with our Terms of Service, including the use of third-party banks, credit bureaus and compliance partners.
Regulatory Compliance: Our processes follow FAIS, FICA, and South African consumer finance guidelines. Final loan terms and approvals remain at the discretion of authorised financial institutions.