Car Finance for Blacklisted; It’s possible

Having a car can be seen as a luxury but for some people it’s just a necessity especially when living in a large South African city. A job offer may need you to have your own vehicle in order to see clients on a daily basis. At times you will simply get fed up with the inefficient public transport system that we have in South Africa or perhaps you simply want your own space and peace of mind when making the daily commute to work and back. So a car may be something you are looking into obtaining but that apprehensive voice inside of you may be telling you that it’s impossible to get car finance when blacklisted. Well that voice couldn’t be further from the truth.

There are a number of companies that are willing to approve you for car finance even though you may be blacklisted. All the major banks will decline your car finance application should you have bad credit because you are considered as a high risk candidate who is most likely to default on payment. This should not deter you from seeking financial assistance as a blacklisted candidate. There are a lot of companies who have made it their priority to provide car finance to clients that have bad credit. The companies look at your affordability and not at what your credit score represents. The following companies will gladly assist you when looking to buy a vehicle as a blacklisted candidate:

  • Loan Finder South Africa
  • Earn-a-car
  • No Finance Cars
  • JE Financial Consulting
  • Think Money
  • Easy Cars

Besides from the obvious benefit of being afforded car finance as a blacklisted candidate; there are other benefits or advantages:


  • Quick and easy online application
  • Confidentiality
  • Fixed repayment
  • NCR regulated
  • Professional service consultants

It is important that you approach a professional, legal and NCR regulated financial services provider when looking for car finance. Do not be tempted by any loan sharks to enter into a contract with them. Loan Sharks are ruthless operators and are known to use bullying tactics when money is due to them. Protect yourself by doing the necessary research needed before entering into a commitment with a financial services provider. Taking matters into your own hand should be that of research and wholesome decision making and not of desperation and temptation. Always remember that loan sharks are out to take advantage of people and do not always have the best interest of the client at heart.

Remember to produce the following documentation once settled on a financial services provider in order to get the car finance that you need:

  • South African ID
  • Proof of residence
  • 3 months bank statement
  • Recent payslip
  • Be permanently employed by the same employer for 3 months or more
  • Be 18 years of age or above

Say hello to your new wheels today regardless of your credit score. Live happy and responsibly.  Ensure that you work on your credit score while you drive away in style!

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