How It Works: Pawn Your Car and Still Drive It

1. 1

   Prepare at Home

   Before anything else, make sure your vehicle qualifies: it must be fully paid off, with no outstanding finance, and the loan must be applied for by the registered owner. Then start your application from your couch — complete our online quote form or give us a call, and you’ll have a preliminary answer in about 15 minutes.

   A little preparation goes a long way toward a stronger valuation:

   • Have your service and maintenance history on hand
   • Check that your tyres — including the spare — are in good condition
   • Locate your spare keys and jack
   • Make sure your licence disc is up to date
2. 2

   Gather Your Documents

   We keep the paperwork light, but a few documents are essential before we can finalise anything. Having these ready before you visit us means your appointment stays quick and painless.

   Bring the following with you:

   • Your South African ID
   • Recent proof of address
   • The vehicle’s original registration certificate

   Is the vehicle registered to a company or close corporation? No problem — call us first and we’ll talk you through the additional company documents we need.

3. 3

   Visit Our Office

   Bring your car and your documents to our office at Rivonia Rd and Leeuwkop Rd, Sunninghill, Sandton. One of our consultants will inspect and value your vehicle on the spot, walk you through the loan agreement line by line, and answer any questions before you sign anything. Once the agreement is signed, your money is paid directly into your bank account — typically within one business day.

   You’ll know exactly what you’re signing: repayment terms run from a minimum of 3 months to a maximum of 24 months, and our all-inclusive APR is 36% — covering interest, the initiation fee and monthly service fees. See the full disclosures and representative example at the bottom of this page.

4. 4

   Keep Driving — and Settle at Your Pace

   Here’s where we’re different from a traditional pawn shop: your car never goes into storage. You drive away in it the same day and keep using it for work, school runs and everything in between. Simply pay your agreed monthly instalments via EFT or direct deposit — we don’t run debit orders — and once your final payment clears, your papers are returned and the agreement is closed. Settle early whenever you like; there are no early-settlement penalties.

Questions before you start? Call us on 079-740-4156 — Mon–Fri 8am–4:30pm, Sat 8am–11am.

Testimonials

Here's what one of our happy customers had to say about our services: