For the early shift, the school run and everything in between. Nofin is rent to own: you rent the car for a fixed period and choose whether to buy it at the end. Start with what you can responsibly afford, then explore a vehicle that fits your life.
Pre-qualification is provisional and subject to document verification, affordability, legal eligibility, vehicle availability and final approval.
Understand your possible range before you upload supporting documents.
Nofin is designed for working South Africans who need dependable transport but may find traditional vehicle finance difficult to access.
A difficult credit history does not define you. Your application still needs to meet affordability and legal eligibility requirements.
Your affordability check shows whether you meet our income requirements.
From the first check to handing over the keys, here’s how it works.
Tell us about your income, expenses and the monthly vehicle amount you have in mind. You can browse cars first or start with the check.
No supporting document uploads at this stage.
Your initial result shows whether you may proceed at your requested amount, at a lower responsible amount, or whether we’re unable to proceed at this stage.
If a lower amount may work, we’ll show you that range.
If you’re pre-qualified, you’ll receive a unique Nofin reference code and instructions for securely submitting your supporting documents.
Keep your reference code for follow-ups.
Explore available vehicles within your assessed range. Consider the deposit, monthly payment and running costs alongside your everyday needs.
Selecting a vehicle does not confirm a reservation.
Your completed application and selected vehicle go to our approvals team for review. We’ll let you know the outcome.
Pre-qualification is an initial indication, not final approval.
After final approval, a Nofin sales executive will contact you to explain the agreement, applicable costs and next steps for vehicle handover.
Understand the terms before you sign.
These documents help us verify your details and assess your application. Use the secure upload instructions provided with your reference code.
Only upload documents through the designated application process.
With rent to own, the car stays Nofin’s while you rent it. At the end of the rental you can return it, buy it with a cash offer, or buy it through a refinance deal. Your agreement explains what you pay and your responsibilities.
Deposit amounts, agreement terms, included costs and ownership-transfer conditions remain subject to Nofin’s final approved offer and agreement.
You can check your eligibility with Nofin. A bank’s decision does not determine your Nofin result. We still need to assess affordability, supporting documents and legal eligibility. Approval is never guaranteed.
If a lower monthly amount may be affordable, we’ll show you a lower provisional range. You can then consider suitable available vehicles within that range.
No. It is an initial indication based on the information you provide.
Contact Nofin for information before starting an application. We cannot promise eligibility while you are under debt review. Your verified status and the legal requirements of the final agreement would need to be assessed.
The applicable deposit must be confirmed in your vehicle offer. Review it alongside the monthly payment, total agreement cost and running costs before deciding.
When you buy it. At the end of the rental you can buy the car with a cash offer or through a refinance deal, or return it to Nofin. Until then the car stays Nofin’s. Your agreement sets out the payments, conditions and any transfer fees.
Start with the eligibility check to understand whether Nofin could be a suitable next step towards reliable transport.
