Drive it sooner.
Pay it smarter.
Finance your next car, bakkie, or fleet vehicle at a fixed 5% interest rate — with flexible deposits, terms up to 7 years, and 24-hour approvals. New and pre-owned vehicles financed with equal care.
Vehicle finance without the runaround.
Buying a vehicle shouldn't mean weeks of paperwork and dealership finance desks. Our vehicle finance is designed for buyers who want fast approval, transparent pricing, and terms that actually fit their budget.
Every loan carries the same promise as our other products: a fixed 5% interest rate for the entire term. No prime-rate surprises. No dealer markups. No hidden fees snuck into the fine print.
- Finance both new and pre-owned vehicles — cars, bakkies, and light commercial
- Deposits from 0% (subject to credit profile) — no forced 10% rule
- Terms from 1 to 7 years — structured around your budget
- Private sales and dealer purchases both welcome
Four vehicle classes.
From a first car to a commercial fleet — we finance the full range of vehicles on South African roads.
Passenger Cars
Sedans, hatchbacks, and SUVs — new or pre-owned.
Bakkies & LDVs
Single, extended, and double-cab bakkies for work or family.
Light Commercial
Delivery vans, panel vans, and light trucks for business use.
Motorcycles
Commuter bikes, adventure bikes, and premium motorcycles.
Benefits built for buyers.
Three reasons South Africans choose NEMM for vehicle finance.
Fixed 5% Interest
Your rate never changes. No prime-rate movements. No monthly instalment surprises. What you sign is what you pay — from month one to month eighty-four.
24-Hour Approval
Submit your application, upload your documents, and receive a decision within 24 business hours. Same-day funding available on most approved deals.
Dealer or Private
We finance vehicles bought from dealerships as well as private sales. Pay the seller directly with no added markups — just a clean, transparent loan.
Do you qualify?
If you meet the criteria below, you're ready to apply. Vehicle finance is one of the most accessible loan types we offer — with options for both salaried and self-employed applicants.
Start My Application- South African citizen or permanent resident
- 18 years or older
- Valid SA ID document
- Regular income (employed or self-employed)
- Minimum income from R8,000/month
- 3 months of bank statements
- Vehicle details or dealership quote
- Valid driver's licence (preferred)
Four steps from application to keys.
Our vehicle finance process is streamlined to move as fast as you do.
Apply Online
Complete our 3-minute online application — no paperwork, no dealership finance desk.
Upload Documents
Submit your ID, bank statements, proof of income, and vehicle details through our secure portal.
Get Approved
Approval issued within 24 business hours. Same-day funding available on most approved deals.
Drive Away
We pay the dealer or private seller directly and you collect the keys.
Documents to have ready.
Having these prepared will speed up your application by hours.
Personal DocumentsFor all applicants
- Valid South African ID or passport
- Proof of residence (not older than 3 months)
- Latest payslip or letter of employment
- 3 months of bank statements
- 6 months if self-employed
- Valid driver's licence (where applicable)
Vehicle DocumentsFor the purchase
- Dealership quote or invoice
- Vehicle registration papers (private sale)
- Roadworthy certificate (pre-owned)
- Vehicle identification number (VIN)
- Signed offer to purchase
- Proof of comprehensive insurance
Frequently asked about vehicle finance.
Ready to get behind the wheel?
Apply online in 3 minutes. Approval in 24 hours. Fixed 5% interest locked for the life of your vehicle finance.
Explore other products
Discover the full range of NEMM lending solutions.