Can I get a car while under debt review in South Africa?

Yes, on a rental. EzAuto's rent-to-own is a rental agreement rather than a credit agreement under the NCA, so it does not create new credit. Approval is affordability-led with a soft credit check only.

Do I need my debt counsellor's permission?

A rental is not new credit, so it is not a credit application your debt counsellor has to approve. We do recommend telling your counsellor about any new monthly commitment so your budget stays accurate.

How long must I be under debt review before applying?

There is no waiting period. What matters is whether the monthly rental is affordable alongside your existing debt-review instalment.

Will applying affect my debt review or my credit score?

No. We run a soft credit check that does not affect your score, and the rental is not reported as a new credit agreement.

What income do I need under debt review?

A minimum gross income of R14,000 a month, verified with 3 months' payslips or 6 months' bank statements if you are self-employed.

Cars Under Debt Review South Africa | Rental, Not Credit

Under debt review and need a car? Rent to own is a rental agreement, not new credit. Soft credit check only, affordability-led approval from R14,000/month income.