Finance calculator

Estimate the deal, compare your route, and move into the right next step.

This calculator is designed to educate users, help them compare finance pathways, and produce better-qualified enquiries without pretending to offer guaranteed approval.

Choose your estimated route

Scenario inputs

Applicant type

Your estimate

Educational guidance based on your current inputs

Selected path
Finance assistance
Estimated monthly
R 12 642 p/m
Estimated total payable
R 856 014
Deposit
R 97 500
Affordability guidance
Possible, but worth reviewing carefully
Recommended next step

Finance assistance looks like the strongest starting point

Your current inputs point toward a more traditional affordability-led route, with the calculator acting as a guide before application.

The estimate may still work, but deposit size, term choice, and supporting details become more important.

Option comparison

Finance assistance

Conventional estimate based on vehicle price, deposit, term, and an indicative interest rate.

R 12 642 p/m
Possible route if affordability and supporting details still align after review.
Rent-to-own

Structured alternative using a stronger deposit and a guided path toward ownership over time.

R 8 190 p/m
Better fit for buyers who can place a stronger deposit and want more flexibility.
A deposit closer to 30% is usually expected for this path.
Joint venture assessment

Commercial illustration showing the impact of shared asset structuring rather than a plain consumer finance quote.

R 6 083 p/m
Usually requires a credible work opportunity, contract support, or strong commercial case.
A consultant will normally need more business context before this route can be taken seriously.

Internal screening view

Intent score
high
Affordability pressure
review
Suggested route queue
finance_queue

This is shown in the MVP as a product strategy cue. Later phases will store these signals with the lead in Firestore for routing and prioritisation.

Important disclaimers

Calculator results are estimates only and do not guarantee approval or final pricing.
Rent-to-own and joint venture scenarios remain subject to suitability review and internal assessment.
Alternative qualification support is handled by consultant review and is not presented as guaranteed acceptance.

Use the estimate to start the right conversation, not to guess alone.

Once the numbers feel realistic, move into the application flow or speak to a consultant for a more specific route review.