Is the Swift or the Picanto cheaper to rent to own?

The Suzuki Swift is the cheaper of the two each month, from about R8 118 on a R150 000 vehicle value with a rental deposit from R15 000. The Kia Picanto starts at about R8 118 a month. Both are best-case indicative figures confirmed on approval and set out in your signed rental agreement.

What is included in the monthly rental on either car?

One monthly debit order covering comprehensive insurance, vehicle tracking, licence and registration, 24/7 roadside assistance and all rental administration, plus the option to own the vehicle at the end of the term. Fuel and tyres are yours. It is a rental agreement with an option to own, not vehicle finance.

Can I switch between the Swift and the Picanto after applying?

Yes. You apply once and we match you to stock in the national dealer network, so you can compare the two side by side before signing. 6 units in the network today for the Swift and 4 units in the network today for the Picanto.

Do I qualify for either car with a low credit score?

Approval is affordability-led from R14,000 gross income a month with a soft credit check only, which does not affect your credit score. Blacklisted and debt-review applicants are welcome, and the same terms apply to both models.

Suzuki Swift vs Kia Picanto | Rent to Own Cost Compared

Suzuki Swift vs Kia Picanto on rent to own: value, rental deposit and monthly rental side by side, from R8 118 a month all-in with insurance and tracking.

Side by side

Model	Sample units	Priced from	Est. rental from	Body
Suzuki Swift	95	R89,500	R5,075/month	hatchback
Kia Picanto	49	R80,000	R4,633/month	hatchback

Suzuki Swift

The Suzuki Swift is the cheapest reliable way to cover kilometres in South Africa. Light, frugal, and backed by Suzuki's rapidly growing dealer network. Hatchback, 5 seats, Petrol; typical value R150,000–R250,000.

Kia Picanto

The Kia Picanto is the small-car pick for drivers who want equipment levels above the segment norm — and a warranty that outlasts most rental terms. Hatchback, 5 seats, Petrol; typical value R150,000–R240,000.

Rentals include insurance, tracking and licensing. A rental deposit applies; figures are confirmed on approval.

Figures from our stock check on 10 October 2026. Each car's availability is confirmed when you apply.