Running a business often depends on having reliable transport. For builders, contractors, delivery services and other small businesses, a bakkie can be essential for carrying tools, moving stock and reaching customers.
However, qualifying for traditional vehicle finance is not always easy. Self-employed applicants may not have fixed payslips, while people who are blacklisted, under debt review or managing a low credit score may struggle to receive bank approval.
Earn a Car offers qualifying applicants access to rent to buy bakkies without requiring traditional vehicle finance.
Selected bakkies are available from R7,752 per month, subject to approval, vehicle availability and the terms of the agreement.
Why business owners need reliable transport
A bakkie is often one of the most important assets in a small business.
It can help business owners:
- Carry tools and equipment
- Deliver goods to customers
- Transport building materials
- Travel between job sites
- Move stock between locations
- Provide mobile services
When transport is unreliable, everyday business activities can quickly become more difficult. Breakdowns may cause delays, missed appointments and lost income.
Having access to a dependable bakkie can help business owners work more efficiently and provide a consistent service to their customers.
What are rent to buy bakkies?
Rent to buy bakkies are provided through a vehicle subscription rather than a standard bank loan.
The customer uses the bakkie and pays an agreed monthly rental over a fixed term. Agreements generally run for 48, 54 or 60 months.
Once the full term has been completed and all agreement conditions have been met, the customer may have the option to purchase the vehicle for R100.
This creates a possible route towards vehicle ownership for applicants who may not qualify for conventional vehicle finance.
Can self-employed people apply?
Yes. Self-employed people may apply for a rent to buy bakkie.
Business owners often earn money differently from permanent employees. They may receive payments from several clients, work on contracts or experience changes in monthly income.
As a result, they may not have a standard payslip or fixed salary. However, they may still be able to show that they earn enough to afford the monthly rental.
Self-employed applicants will generally need to provide proof of income, bank statements and other supporting documents. Each application is assessed according to affordability and the applicant’s current financial position.
Can blacklisted applicants apply?
People who are blacklisted may also submit an application.
A poor credit record does not automatically prevent someone from applying for a rent to buy vehicle. However, approval is not guaranteed.
Earn a Car considers the applicant’s current income, affordability and ability to maintain the monthly payments.
This may give business owners another option when a bank has declined their vehicle finance application.
What about applicants under debt review?
Applicants under debt review may apply for rent to buy bakkies because the offering is structured as a vehicle subscription rather than traditional vehicle finance.
The applicant must still prove that the monthly rental is affordable and provide all requested documentation.
For some business owners, having reliable transport may support their ability to continue working and earning an income while they manage their existing financial commitments.
What does the monthly rental include?
The monthly rental generally includes several important vehicle-related costs, such as:
- Theft and damage cover
- Vehicle tracking
- Annual licensing
Including these costs in the monthly payment can make vehicle expenses easier to plan.
Applicants should still request a full quotation and read the agreement carefully. This will help them understand what is included, what additional costs may apply and which conditions must be met.
Rent to buy bakkies from R7,752 per month
Selected rent to buy bakkies are available from R7,752 per month.
A compact bakkie such as the Nissan NP200 may suit business owners who need a practical vehicle for tools, deliveries, stock or everyday work travel.
The final monthly rental may depend on the specific vehicle, agreement period, mileage and applicant profile. Available vehicles and prices may also change.
Therefore, applicants should confirm the latest vehicle availability and request a personalised quotation before making a decision.
Who may benefit from a rent to buy bakkie?
This option may suit business owners working in industries such as:
- Construction
- Plumbing
- Electrical services
- Landscaping
- Cleaning
- Catering
- Deliveries
- Repairs and maintenance
- Retail and informal trading
It may also help entrepreneurs who need to replace an unreliable vehicle but cannot access bank finance.
Keep your business moving
A low credit score or non-traditional income should not necessarily prevent a business owner from accessing reliable transport.
For qualifying applicants who are self-employed, blacklisted or under debt review, rent to buy bakkies may provide a practical alternative.
With selected bakkies available from R7,752 per month, Earn a Car gives business owners another way to access the vehicle they need while working towards possible ownership.