Earn-a-Car https://www.earnacar.co.za Rent to own a pre-owned car Mon, 03 Dec 2018 06:49:28 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.8 Maintenance Tips to Get Your Car Ready For the Summer Holidays https://www.earnacar.co.za/maintenance-tips-to-get-your-car-ready-for-the-summer-holidays/ Mon, 03 Dec 2018 06:49:28 +0000 https://www.earnacar.co.za/?p=58833 December holiday is around the corner and you undoubtedly have a few summer road trips planned. Regardless of whether you are planning to make a 200 km or 2 000 km journey, you need to make sure your car is in tip-top condition so you are not left on the side of the road in [...]

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December holiday is around the corner and you undoubtedly have a few summer road trips planned. Regardless of whether you are planning to make a 200 km or 2 000 km journey, you need to make sure your car is in tip-top condition so you are not left on the side of the road in the heat.

  • Battery

When you are going on a summer vacation, the last thing you want is a dead battery. It is very quick and easy to have your battery checked and ensure it is in good condition. If it is not, replace the battery before you hit the road.

  • Lights

Make sure that all your car lights are working, namely the breaklights, taillights, headlights, high beams and license plate lights, especially if you intend driving in the dark.

  • Wheels

Check that your car wheels are pumped correctly according to the manufacturers recommendations.  If your tyres contain too much air, on hot days the air inside a tyre expands creating more pressure and potentially a burst tyre. The last thing you need is a burst tyre when you are on your way to your holiday destination.  An underfilled tyre creates a lot of drag, which leads to your vehicle using more petrol than it would if it was pumped to the correct PSI.  Look on the tyre itself for the proper tyre pressure and tyre load.

  • Fluids

Check fluids such as engine oil, coolant, transmission fluid, brake fluid, power steering fluid and windshield washer fluid. Other items that need to be checked include belts, hoses and windscreen wipers.

Want to make sure you have a reliable vehicle for your road trip? Contact the rent-to-own company, Earn-a-Car, for a set of wheels that meets your needs today.

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When is the Right Time to Buy a Car https://www.earnacar.co.za/when-is-the-right-time-to-buy-a-car/ Mon, 26 Nov 2018 07:15:38 +0000 https://www.earnacar.co.za/?p=56569 In South Africa, monthly car payments are often the second highest debt you have to pay monthly, after rent or paying a bond.  Not having a car is simply not an option for most of us. If you, like many people, are starting to consider investing in a vehicle, then it is important to consider [...]

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In South Africa, monthly car payments are often the second highest debt you have to pay monthly, after rent or paying a bond.  Not having a car is simply not an option for most of us. If you, like many people, are starting to consider investing in a vehicle, then it is important to consider whether it is the right time to buy a new or good quality used car.

Unable to pay for vehicle maintenance

Having a car that needs to be repaired by a qualified vehicle mechanic, or needing to replace brake pads for instance, and not being able to afford to do so, causes a large amount of stress for every time you use the car. You should be able to drive from A to B without worrying that your car may break down or the breaks may not work.

Repair costs are costing you more than what the car is worth

Every car will need some maintenance and upkeep throughout its lifetime but there comes a point where the repair costs simply don’t justify the cost of owning the car anymore. If you’ve gone from replacing minor things like brake pads and oil to having to pay large amounts of money to replace major, costly parts, becoming increasingly difficult to find then it may be worth buying a used car that is in much better mechanical condition.

The car no longer meets your needs

Maybe your zippy little city car was perfect for awhile able to get in and out of tight parking spaces, but now you’re a parent and your needs have changed.  Then it is time to purchase a car that meets your and your family needs, avoiding daily hassles.

Consider easy vehicle finance from Earn-a-Car. Contact us for more information about rent to buy cars in South Africa.

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Differences between Rent-to-Own versus Bank Vehicle Finance https://www.earnacar.co.za/differences-between-rent-to-own-versus-bank-vehicle-finance/ Mon, 19 Nov 2018 07:15:35 +0000 https://www.earnacar.co.za/?p=56564 If you have been blacklisted, then you may find it especially difficult to get a loan for a large purchase, such as a car. In the past, people with a bad credit record were opting for a rent-to-own car finance plan but with more consumers picking up on the benefits of these easy car finance [...]

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If you have been blacklisted, then you may find it especially difficult to get a loan for a large purchase, such as a car. In the past, people with a bad credit record were opting for a rent-to-own car finance plan but with more consumers picking up on the benefits of these easy car finance models, it is quickly becoming a preferred option.

The difference between a car lease agreement and a rent-to-own car agreement is that you will own the vehicle at the end of the contract.  With a rent-to-own car finance plan, you will be paying for a car in the same way that you would if you are renting it. However, at the end of the contract term, instead of handing the car back to the vehicle rental company you are able to keep the car. Depending on the contract you choose, a portion of the rental fees you pay each month,  go towards the final lump sum needed to purchase the car, or you will own the car at the end of the contract time period.

A few other differences include:

  • Credit checks – Rent-to-own car finance companies don’t complete credit checks when approving your application, while banks will run a thorough background finance check.
  • Down payment – A rent to own car finance company will require a down payment where a bank may or may not require one.
  • Vehicle age – Rent-to-own cars are used, previously loved vehicles that have been checked by a qualified vehicle mechanic, while bank loans include new and used vehicles.
  • Early termination – The down payment on your rent-to-own car will usually be forfeited if the contract is terminated early, where banks may charge you fees and penalties.

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Managing the Damaging Effects of Hitting a Pothole on your Car https://www.earnacar.co.za/managing-the-damaging-effects-of-hitting-a-pothole-on-your-car/ Mon, 12 Nov 2018 07:10:14 +0000 https://www.earnacar.co.za/?p=56558 Potholes are a structural failure on the roads surface often caused by high volumes of traffic breaking the asphalt, or water retention in the underlying soil, creating a hole in the road.  When driving over potholes, minor to severe damage can be caused to your car’s tyres. These are a few important considerations to check [...]

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Potholes are a structural failure on the roads surface often caused by high volumes of traffic breaking the asphalt, or water retention in the underlying soil, creating a hole in the road.  When driving over potholes, minor to severe damage can be caused to your car’s tyres.

These are a few important considerations to check for, when driving over a pothole:

  1. Tyre damage

When you hit a pothole, the tyre is compressed against the wheel. Check for sidewall bulges, sliced rubber or snapped belts on the tyre. If you spot any of these damages, it is best to stop and change the damaged tyre.

  1. Wheel damage

The course edges of gravel that form the pothole can lead to scratches, chips or cracks on the wheel, causing slow punctures. These cracks and scratches may not be obvious on first close up inspection, so its best to clean the tyre first and then inspect the tyre.

  1. Suspension

The suspension of your vehicle has been designed to absorb impacts but sudden hard knocks from potholes can lead to suspension damage such as misalignment, damaged shocks or broken ball joints.

  1. Exhaust pipe

The exhaust pipe is located underneath the car, and can easily get damaged, especially when hitting a deep pothole.

  1. Aesthetic damage

Cars with a low profile have a higher chance of experiencing damage to the low-hanging bumpers or side skirts.

Driving tips to avoid potholes

  • Ensure your car’s tyres are always inflated according to the car manufacturer’s guidelines.
  • Losing control of your car when you hit a pothole can lead to more damage. Keep your grip firm and do not try to over rectify your vehicle when hitting a pothole.
  • Potholes are often hidden under puddles of water. When possible, avoid driving over puddles.
  • If you can see a pothole and have a few moments to brace yourself, slow your vehicle down as much as possible so that you move over the pothole slowly
  • Report potholes to your local municipality, make a note of your exact location, take a photo of the pothole and the damage to your vehicle. Use this as evidence to claim from the Road Accident Fund.

Looking for easy vehicle finance? Then contact Earn-a-Car to find out more about rent to own car finance today.

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Top 5 Essentials to always keep in your Car https://www.earnacar.co.za/top-5-essentials-to-always-keep-in-your-car/ Mon, 05 Nov 2018 07:00:13 +0000 https://www.earnacar.co.za/?p=56551 Most of us jump into our cars, aware of the most important items to take with, namely your valid drivers licence, cell phone and wallet. There are, however, a number of other essentials that you should always keep in your car to make an unexpected turn of events, a little easier to manage and help [...]

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Most of us jump into our cars, aware of the most important items to take with, namely your valid drivers licence, cell phone and wallet. There are, however, a number of other essentials that you should always keep in your car to make an unexpected turn of events, a little easier to manage and help ensure your future safety:

  1. Car jumper cables

Jumper cables are a must-have item, due to the simple fact that a powerless battery is one of the most common car challenges on the road. Often, you won’t be given any warning that it is time to replace the battery, or you could mistakingly leave your lights on for a long period of time, draining the power from the car battery.  Keeping a set of jumper cables in your car can ensure that you  get back on the road in no time without having to wait for roadside assistance.  The average car battery life ranges between three to five years.

  1. First aid kit

A first aid kit is not something that most drivers will use very often, but it’s one of the most basic items that should be kept in a vehicle at all times. Your first aid kid should contain a few basic items such as plasters, wound cleaner, gauze, bandage and nonlatex gloves.

  1. Triangle reflector

Your car can break down, or you may be helping a friend with their car, stuck on the road.  Give other drivers on the road early warning by placing the triangle reflector a few metres behind the broken down car.  That way preventing potential harm and informing drivers on the road to slow down when approaching the scene.

  1. Cell phone charger

This can be a life saver if you need to make an urgent call and your cell phone battery has got little to no power.

  1. Flashlight

Car troubles can quickly become infinitely more complex in the dark. Instead of trying to use your cell phone light to change your car’s tyre or to jump start your car in the dark, invest in a flashlight that is kept in your car.

Looking for easy vehicle finance? Then contact Earn-a-Car to find out more about rent-to-own car finance today.

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Here’s the Easiest Way to Buy an Affordable Car in SA https://www.earnacar.co.za/heres-the-easiest-way-to-buy-an-affordable-car-in-sa/ Mon, 29 Oct 2018 04:00:16 +0000 https://www.earnacar.co.za/?p=54477 If you are struggling to get vehicle finance from a bank or other financial institution, then it is time to consider rent-to-buy car financing options. Not only does it help you to avoid a new line of credit, but you also will not have to pay the high interest rates that banks charge on vehicle [...]

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If you are struggling to get vehicle finance from a bank or other financial institution, then it is time to consider rent-to-buy car financing options. Not only does it help you to avoid a new line of credit, but you also will not have to pay the high interest rates that banks charge on vehicle loans.

With Earn-a-Car, you can get your car in 24 hours. All you need is an upfront admin fee plus the first month’s pro-rata rental, an initial amount of approximately R16 500 depending on the car you choose, proof of income, South African citizenship, proof of identification and a valid driver’s license and live in Gauteng. With Earn-a-Car, you will get:

  • Fixed rental payment
  • No hidden costs
  • Option to terminate the rental agreement with one months’ notice
  • Part of monthly rental is cash which may be paid back to you to spend as you like, if your account is up to date
  • An amount of your monthly rental will be kept aside to assist you to service and maintain your vehicle
  • Comprehensive accident cover
  • Vehicle Tracking
  • Comprehensive vehicle warranty cover to give you peace of mind
  • Vehicle breakdown and roadside assistance

About Earn-A-Car

Earn-a-Car is the first rent-to-own car company in South Africa. The company has been in business for over 9 years and it has helped over 5 000 people get access to easy and affordable vehicle finance with no hidden terms or conditions, even if you are blacklisted.

With over 1 000 cars for you to choose from; Earn-a-Car will make sure your car is in excellent condition when you drive away in your new set of wheels. Our rent-to-own vehicle finance plans are designed to suit your budget, so that you can eventually own your car. Contact us for more information about rent-to-own vehicle financing today.

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Do Not Fall into These Traps When Buying A Used Car https://www.earnacar.co.za/do-not-fall-into-these-traps-when-buying-a-used-car/ Mon, 22 Oct 2018 04:00:14 +0000 https://www.earnacar.co.za/?p=54474 Have you ever regretted buying a car? If you have, it is probably because you agreed to a less than fair deal that was based on one or more of the following scenarios: You Went to An Auto Dealer to Find Out What Kind of Vehicle Financing You Could Get Approved For It is important [...]

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Have you ever regretted buying a car? If you have, it is probably because you agreed to a less than fair deal that was based on one or more of the following scenarios:

  • You Went to An Auto Dealer to Find Out What Kind of Vehicle Financing You Could Get Approved For

It is important to enquire at your own bank or, at the very least, multiple other banks before approaching an auto dealership. Even if the car dealer offers you a great interest rate, you will not have any way of knowing if it is a good deal based on your own credit profile. A 3,8% interest rate may sound like a good deal, but what if you qualify for a 2,7% interest rate from your bank? Shop around for the best interest rate before you go car shopping.

  • You Skipped the Test Drive Or did Not Do A Thorough Test Drive

If you think that because you have always driven a sedan, you know what it feels like to drive one and, therefore, do not have to test drive your selected car, then you have fallen foul of this mistake. You need to do a proper test drive of every car you are seriously considering to buy.

  • You did Not Properly Research the Vehicle

Some of the things you need to research before you choose a car is the vehicle’s safety. You also have to verify the fuel economy of the car with a credible source. Cars have different crash ratings, and this can make a huge difference in the safety of your car. A car with a three-star crash rating triples your risk of injury when compared to a car with a five-star crash rating.

These are only some of the pitfalls that you need to avoid when buying a used car. When you partner with Earn-A-Car for rent-to-own vehicle financing, you can rest assured that all of our cars have been thoroughly inspected and approved by experienced mechanics. Find out more about car finance with bad credit and used car finance from Earn-A-Car today

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It’s Hail Season! Here’s How to Protect Your Car: https://www.earnacar.co.za/its-hail-season-heres-how-to-protect-your-car/ Mon, 15 Oct 2018 04:00:22 +0000 https://www.earnacar.co.za/?p=54472 If you live in the Highveld, you’re aware of the stormy summer rains which means you need to be aware of the weather when you are on the road and protect your car from hail damage. Here are a few tips to protect your car from hail: Pay Attention to where you Park your Car [...]

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If you live in the Highveld, you’re aware of the stormy summer rains which means you need to be aware of the weather when you are on the road and protect your car from hail damage. Here are a few tips to protect your car from hail:

  • Pay Attention to where you Park your Car

It is so easy to leave your car outside and avoid the hassle of paying a parking fee under cover or getting out of your car to open the garage door. Figure out where you will park your car ahead of time to ensure there is adequate coverage in case it hails.

  • Last Resort: Thick Blankets

If there is not any undercover parking available at your home or place of employment, take a few thick blankets with you so that you can cover your car. This is not the ideal solution for obvious reasons, but the damage that can be avoided by protecting your car in this manner far outweighs the inconvenience or embarrassment you may feel when covering your car with blankets.

A car is one of the most expensive items you own and it is also one of the hardest to protect from hail. Hail damage on a car can amount to thousands of Rands in damage and even if your insurance company will pay for the repairs, you will still be responsible for the excess payment to the insurance company. You could be further inconvenienced by not having a rental vehicle while your car is being repaired, or having to pay a fee for a rental vehicle if your car needs hail damage repairs. When it comes to hail protection, prevention is always best.

Are you interested in rent-to-own vehicle financing? Then get in touch with Earn-a-Car today.

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Easy Vehicle Finance – How to Work Out Your Car Budget https://www.earnacar.co.za/easy-vehicle-finance-how-to-work-out-your-car-budget/ Mon, 08 Oct 2018 04:00:49 +0000 https://www.earnacar.co.za/?p=54469 Whether you are opting for traditional financing from banks or a rent-to-own vehicle finance plan, it can be hard to determine your available budget for a car. Most experts say that you should not be spending more than 20% of your monthly net income on your vehicle. The 20% of your income ballpark figure should [...]

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Whether you are opting for traditional financing from banks or a rent-to-own vehicle finance plan, it can be hard to determine your available budget for a car. Most experts say that you should not be spending more than 20% of your monthly net income on your vehicle.

The 20% of your income ballpark figure should include payments on all of the vehicles you own, whether you own one or more cars. Also remember, this figure applies to the amount of money you have in your pocket after tax, not your gross income.

Now, you need to calculate what your car payments will be. If you have just seen the car of your dreams and the price tag of this car, you need to know what the monthly installment is going to be, so that you can determine whether you can afford the car or not.

Step 1:

Determine the interest rate by dividing the number by 100.

Step 2:

Divide the interest rate on your car loan by 12. Write this number on a piece of paper.

Step 3:

Multiply the number by the loan’s principal amount (the total amount of your car loan). Write this number down as it will be used in your final calculation. Remember to subtract your down payment from the price of the car to establish the principal amount that you will pay.

Step 4:

Recall the number you got from dividing the interest rate by 12 in step 2. Add 1 to this number.

Step 5:

Take the sum from step four to the power of the number of months included in the terms of your loan. For example, if you are going to be making 36 monthly payments, multiply the sum from step 4 by 36.

Step 6:

Calculate 1 divided by the result from step 5. Round this number to the nearest hundredth place to make it easier to work with.

Step 7:

Subtract this number from 1 for use in your final calculation.

Step 8:

Divide the number from step 3 by the number from step 7 for your final monthly car payment.

You can avoid the math by using an online car payment calculator, which can be found on many of the auto dealers’ and many banking websites.

Remember to include the costs associated with owning your car, namely vehicle insurance, maintenance, tyres and roadside assistance.

Rent-to-own vehicle finance is an easy way to get a reliable set of wheels without having to pay the monthly interest rate levied by the banks. For more information about easy vehicle finance, contact Earn-a-Car today.

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5 Reasons South Africans are Choosing to Rent-to-Own Their Car https://www.earnacar.co.za/5-reasons-south-africans-are-choosing-to-rent-to-own-their-car/ Mon, 24 Sep 2018 07:00:54 +0000 https://www.earnacar.co.za/?p=52854 Rent-to-own car financing is an easy type of financing and appeals to many people. Here are the top five reasons why South Africans are choosing to rent-to-own their car: Easier Access to Car Financing Vehicle financing, like any other type of loan, is meant to help everyone in getting the things they need. The problem [...]

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Rent-to-own car financing is an easy type of financing and appeals to many people. Here are the top five reasons why South Africans are choosing to rent-to-own their car:

  1. Easier Access to Car Financing

Vehicle financing, like any other type of loan, is meant to help everyone in getting the things they need. The problem is that banks are clamping down on the amount of credit they are willing to extend to consumers due to uncertainty in the economy and fears regarding consumers’ affordability to repay the loans. Rent-to-own financing is offering many South Africans easier access to vehicle financing.

  1. Cheaper Compared to buying a New Car

Many rent-to-own vehicle companies have a range of new and second-hand cars. If you are looking for a quality used car, then you will be able to find a good deal at a rent-to-own vehicle-financing company. Second-hand cars are much cheaper compared to the new cars that you would find at a dealership.

  1. Less Paper Work

If you have applied for a car loan from a bank and have been turned down, then you will probably find the process of being approved for a rent-to-own vehicle a lot easier and faster.

  1. Option to Buy

After a few short years of renting your vehicle, you will own it. You can also choose to opt for another car and keep renting if that suits you better. This type of flexibility appeals to many prospective vehicle owners.

  1. Avoid Interest Rates

Banks charge high-interest rates on car loans. Instead of being stuck in a four or five-year car repayment loan with high-interest rates, you can avoid that altogether with rent-to-buy financing.

Need more information about rent-to-own vehicle finance from Earn–a-Car? Then contact us today.

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