We Welcome All Clients
- Blacklisted clients
- Low or no credit score
- Previously declined by banks
- Clients under debt review
- First-time buyers
Minimum Deposit
One-time. No credit checks.
Pay any amount above R10,500 to reduce your instalments
Enquire via EmailFlexible Repayment Plans
- 6 Months — Lowest total cost
- 12 Months — Balanced payments
- 24 Months — Comfortable instalments
- 36 Months — Lower monthly payments
- 48 Months — Maximum flexibility
Finance Calculator
Enter any vehicle price and deposit to see your estimated monthly instalments across all repayment terms.
Quick Deposit — pay more, save more:
| Term | Rate | Monthly Instalment | Total Repayable | Total Interest |
|---|
* Rates shown are indicative only. Your actual rate will be confirmed in your personalised quote.
How Our Finance Works
Get in Touch
Call or email us to get started. Tell us which vehicle you're interested in and we'll walk you through the process.
Submit Your Documents
Provide your SA ID, proof of address, 3 months' bank statements, and a recent payslip or proof of income.
Pay Your Deposit
Your minimum deposit of R10,500 secures the vehicle and activates your finance agreement. Pay any amount above R10,500 to lower your monthly instalments. No credit checks. No ITC. No bureau inquiries.
Drive Away
Choose your repayment term (6–48 months), sign your agreement, and drive away in your vehicle. It's that simple.
Documents Required
- Copy of valid South African ID document
- Proof of residential address (not older than 3 months)
- 3 months' bank statements
- Recent payslip or proof of income
Why Our Finance?
- No credit checks, ITC checks, or bureau inquiries of any kind
- Blacklisted and debt-review clients welcome
- Flexible terms from 6 to 48 months — you choose
- Low minimum deposit of R10,500 — pay more to reduce instalments
- DEKRA-inspected vehicles — total peace of mind
- Trusted auctioneering excellence since 2016
Other Payment Options
Prefer to pay another way? We also accept these methods for auction purchases.
Cash Purchase
Pay the full amount directly and avoid any interest charges. The fastest, simplest way to own your vehicle.
Bank Finance (Pre-Approved)
Approach your bank for a pre-approved vehicle finance offer before auction day. Know your budget before you bid.
Third-Party Finance Broker
Independent brokers can shop multiple lenders on your behalf for competitive rates.
Finance FAQ
Do I need a good credit score?
Absolutely not. Our in-house finance requires NO credit checks, NO ITC checks, and NO bureau inquiries of any kind. Blacklisted clients, clients under debt review, and first-time buyers are all welcome.
What deposit do I need?
A minimum deposit of R10,500 is required. You can pay any amount above R10,500 to reduce your monthly instalments. This is not linked to any credit assessment.
What repayment terms are available?
Choose from 6, 12, 24, 36, or 48 months. Shorter terms have lower total costs, while longer terms offer lower monthly payments for greater flexibility.
What documents do I need?
A valid SA ID, proof of residential address (not older than 3 months), 3 months' bank statements, and a recent payslip or proof of income.
Are the vehicles inspected?
Yes. Every vehicle sold through Auction Hub Group undergoes a professional DEKRA inspection. You receive a full condition report and you are welcome to bring your own mechanic or inspector for additional peace of mind.