Is rent-to-own cheaper than bank vehicle finance?

Month for month it usually looks higher, because the rental already carries comprehensive insurance, tracking and licensing that a bank instalment does not. Compare the totals, not the instalment.

Does a rent-to-own application affect my credit record?

EzAuto runs a soft credit check as part of the affordability assessment. It is not a credit application in the way a bank submission is.

Do I own the car at the end?

Yes. Ownership passes to you at the end of the agreed rental term, as set out in the signed rental agreement.

Rent to Own vs Vehicle Finance SA | Compared

Rent to own vs bank vehicle finance in South Africa: approval, monthly cost, insurance, ownership. Soft credit check only, from R1,750/week all-in.