Dealer Car Finance
Let us secure the deal — you enjoy the car you love.
Found the Perfect Car at a Dealership?
Let’s Get You the Best Deal.
Walking into a dealership and spotting your dream car is exciting — but choosing the finance option they offer?
That part can feel overwhelming.
Dealerships are great at selling cars…
But when it comes to finance, their priority is often the bank or finance partner they earn commissions from —
not necessarily the best deal for YOU.
That’s where MY OWN FINANCE comes in.
At MY OWN FINANCE, we work independently with all major banks to secure the best possible interest rate,
the right finance structure, and often a better vehicle price than the dealership can offer.
You choose the car.
We secure the deal.
WHY USE MY OWN FINANCE FOR DEALER CAR FINANCE?
End-to-End Finance Support - We Handle Everything For You
We Compare All Major Banks for You
Instead of being tied to a dealership’s finance partner, we compare multiple lenders to find the lowest rate and best repayment structure.
You get:
Lower instalments
Better interest rates
A finance plan that supports your budget
Better Deals Than the Dealership
Because we buy in high volume, we can often secure the same car at a lower price than the dealership offers.
Less cost.
Less interest.
More savings.
No Pressure, No Sales Tactics
Dealership finance can involve upsells, markups, and unnecessary add-ons.
We give you honest, transparent advice — no hidden agendas.
Finance Any Car From Any Dealer
Whether it’s a big-name franchise dealership or a small used-car dealer, we can structure the deal to your advantage.
Fast, Smooth Approval Process
We handle the paperwork, negotiation, and communication with the bank.
You focus on enjoying your new car.
From application to approval, we handle everything —
negotiations, paperwork, comparisons and finance structuring.
You get a hassle-free, transparent process from start to finish.
HOW DEALER VEHICLE FINANCE WORKS
We’ve broken the process down into simple, stress-free steps:
Step 1: Complete Our Quick Online Application
Tell us which car you want, your dealership’s details, and a few personal finance details
Step 2: We Compare Bank Offers & Negotiate for You
We approach all suitable lenders and secure the best possible finance deal based on:
Interest rate
Instalment
Loan term
Balloon or no balloon
Your financial goals
We remove the guesswork and bring the best options to you.
Step 3: We Review the Dealership’s Offer
If the dealer has already given you a quote, we check it — and often beat it.
We identify:
Hidden fees
Unnecessary add-ons
Inflated pricing
Opportunities to save
You receive clear, simple explanations in plain English.
Step 4: You Choose the Best Option
We present your top finance options, explain each one, and help you choose the structure that fits your budget comfortably.
Friendly. Supportive. Zero pressure.
Step 5: We Secure Approval & Handle the Paperwork
Once you choose your option:
We submit the final application
Handle the formal approvals
Coordinate with the dealership
Manage the payout process
Ensure everything is compliant and accurate
You just sign and drive.
Benefits of Dealer Finance Through
MY OWN FINANCE
Lower interest rates
Reduced monthly instalments
Fair, transparent finance structures
No dealership markups
Better vehicle pricing in many cases
Access to all banks, not just one
Faster approvals
No pressure sales tactics
Full support from start to finish
MY OWN FINANCE exists to help you get the car you want — at a price and installment you’ll love.
STILL NOT SURE?
Frequently Asked Questions
Question 1: Can I still use dealership finance if I apply with you?
Yes! We simply compare all your options so you can choose the best one. You’re never locked in.
Question 2: Do dealerships inflate interest rates?
Dealers earn commissions from finance partners, so their rates may not be the lowest available. We compare multiple banks to find the best rate for you.
Question 3: Can you beat the dealership’s offer?
In most cases, yes — because we shop across all banks and negotiate on your behalf.
Question 4: Which banks do you work with?
We work with all major banks and vehicle finance providers in South Africa.
Question 5: What documents do I need?
Typically:
SA ID
Latest payslip
3 months’ bank statements
Proof of address
Dealers may also need car details, which we coordinate directly.
Question 6: Can I buy from any dealership?
Yes. Franchise, independent, large, or small — if the dealership is reputable, we can arrange finance.
Question 7: Does applying with you cost anything?
No. Your application and comparison are completely free.
Question 8: How long does dealer finance approval take?
Most approvals take 24–48 hours after we receive your documents.
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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.