What credit score do I need to rent to own a car?

There is no minimum score. EzAuto runs a soft credit check that does not affect your score and approves on affordability from a minimum gross income of R14,000 a month.

Will renting to own improve my credit score?

A rental is not a credit agreement, so it is not reported to the credit bureaus as one. It will not repair a score, but it also will not add new credit exposure while you fix your record.

Is a rental more expensive than finance with a bad score?

Compare the total: bank finance for an impaired record carries a high interest rate and excludes insurance, tracking and licensing, all of which are inside the EzAuto rental.

Can I apply if I have judgments or defaults?

Yes. Blacklisted applicants, defaults and debt review are all welcome — approval is affordability-led.

Low Credit Score Car Options SA | No Credit Agreement

Low credit score and need a car in South Africa? Rent to own has no credit agreement and a soft credit check only. Affordability-led approval from R14,000/month.