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Just as with buying a house, being able to afford a car isn’t as simple and straightforward as it used to be for previous generations. General living expenses and necessities have become increasingly costly, and people are more reliant than ever on the option to borrow funding to buy these vital life assets.
Car financing is a great option to help you get the car you need or want, and today the financing options are very vast and flexible to help as many people as possible make their dreams a reality. It is, however, a very serious contract to enter into, and you should take some time to thoroughly research your options before you dive into signing anything that you’ll be held accountable for the next several years of your life.
Today, we look at your options in terms of car financing and what to expect - and ask about - when you start the application process. With the right financing plan and a bit of savvy preparation, you’ll be able to secure an agreement and get to drive off in that used KIA for sale in no time.
Work Out Your Affordability
Before we even get into the various financing options, you’ll need to know exactly what your finances are looking like so that you can have a fairly accurate estimate of how much you can afford to spend on a repayment plan. Ideally, you should have some funds saved up to use as an upfront cash deposit on the vehicle. That way, the total sum you’ll need to loan to make up the total price will be less, and you’ll have less to pay off each month.
You’ll also score in terms of excess costs from interest rates, as you will end up paying back significantly more to the financial service provider than the amount you initially loaned from them. If you currently have a car and would like to upgrade it to a new one, you could always opt to trade it in at the estimated value calculated by the dealership and then use that value as an additional upfront deposit to reduce your loaned total. Now, let’s look at the various financing options you can consider.
Standard Instalment Agreement
This is the most commonly selected financing plan and typically involves paying off a set amount each month for a period of 72 months. You can opt for standard installment repayments whether you’re able to provide an upfront deposit or not,
Balloon Payment Option
Let’s say you’ve been presented with your financing options and the monthly repayment sum encroaches on being uncomfortably above budget. If you feel you could afford the repayments, but it will mean really tightening your monthly budget and possibly end up not being able to manage any unexpected expenses, the balloon payment option is one worth considering.
This means that your total loaned amount remains the same, but a few hundred or thousand Rands reduce your monthly repayments. The catch is that you will have to pay a lump sum of money at the end of your financing period to make up the total sum that you owe. A standard 72-month repayment plan gives you six years to plan and set aside savings in preparation for that big repayment.
It can be the opportunity you need, and on the surface, it does sound like the easiest option, but it does come with a huge responsibility on your side to ensure that you will have that money ready when the time comes.
Rate Payment Options
Another possibility is to look at fixed or flexible/linked interest rate plans. Throughout your finance repayment, interest rates will rise and fall continuously. Selecting a fixed interest repayment agreement means you’ll have a set interest rate that won’t ever change throughout your loan repayment.
This option gives you peace of mind and certainty about what you’ll have to pay back each month. A linked or flexible interest rate plan means you agree to pay whatever the current interest rate is at any given period of time. This means you’ll pay less in a month when interest rates go down or pay more in those months when they go up. As we can’t predict future changes in interest rates, it might be a bit of a gamble, as you could end up paying more or fewer thanks to the flexibility of the plan. It’s wise to consider whether you could handle paying a few extra hundred Rands in the worst-case scenario if you want to select this financing option.
Full Maintenance Lease
While not as commonly known, this is another option to help you get the car you want. Full maintenance leases are similar to car rentals, except it’s over a longer period of time that’s pre-agreed upon beforehand. You lease the vehicle for a year or two, depending on the type of agreement you make, and all of your service, maintenance, and repair costs will be covered by that monthly lease cost.
There are several benefits to this option: you’ll get to drive a brand new car, and it will likely cost you less than you’d pay in car financing repayments, and you’ll have the option to exchange the car for a brand new model when your lease expires, and you decide to enter into a new one. Bear in mind that you won’t technically ever own the car, but an upside is that you’ll also be able to get rid of it much more easily, as you won’t need to go through the whole selling process later on.
With this background information, we hope that you can make an informed decision and walk away with that used KIA for sale that you’ve had your eye on. If you’re still unsure about what the best solution would be for your needs, feel free to discuss it with your financing provider.
In the compact hatchback car category, both the Kia Rio and Volkswagen Polo are very popular and strong contenders as an ideal set of wheels. While the Polo has been a popular vehicle for decades, brandishing the classic Golf and Polo design style, the Rio has made a huge impact in the car market over the years and shows off a more modern aesthetic.
South Africans have always had a deep love and buyer’s trust in Volkswagen, but Kia has rapidly won over the masses in recent years. If you’re currently weighing up these two models and are considering buying a Kia Rio for sale, here’s a quick comparison between two variants of these models: the Kia Rio 1.2 LS MT and the Volkswagen Polo Trendline 1.4.
Features & Benefits
If you’re buying brand new, the Rio comes with a more extensive warranty period than the Polo, thanks to Kia’s standard 5-year/150 000km warranty offer. The Polo, on the other hand, comes with a 3-year/60 000km warranty. Both of these models’ warranty periods and service plans can be extended at an additional cost. If you’re looking at buying pre-owned instead, you’re more likely to still gain the benefit of the remaining warranty when buying a Kia – something less likely with the Polo, unless it’s a very recently released model.
The Rio comes equipped with steering wheel controls as a default feature, which is not available on the Polo. Electric windows are standard for the front and rear in the Rio models, while the Polo only offers electric windows in the front, with manual windows in the rear. The Polo is quite modest in terms of extra features, while the Rio comes standard equipped with a host of features in a modern-styled package.
The Rio has a top speed of 170 kilometers an hour and achieves 0 – 100km/h in 12.9 seconds. The Polo comes in at about the same, with a top speed of 170 kilometers an hour and an officially stated time of 14.9 seconds to go from 0 – 100km/h. Both cars have four-cylinder petrol engines with 5-speed manual transmission gearboxes. In terms of fuel consumption, the Kia Rio averages 5.7 litres per 100 kilometers, while the VW Polo matches the Rio with the exact average consumption rates.
Brand new, the Kia Rio 1.2 LS MT goes for R283 995, while the Volkswagen Polo Trendline model sells for R235 200. Both of these models remain popular, even after a few years, making it a wise investment if you want to get value for your money and ensure that it will hold value if you choose to sell it or trade it in at a later stage.
Whether you decide to buy a Polo or Kia Rio for sale, always be sure to purchase from a reputable seller, like Motus Select, if you opt for a pre-owned vehicle. Happy driving!
Whether you’re a parent looking for a car for your child or someone looking to buy your first set of wheels after getting your driving license, there are myriad options available – so much so that it can be overwhelming to know where to start. You need to look at the cost, features, insurance, maintenance costs, petrol expenses, and also find a car that you’ll feel comfortable driving in. While there are many great options, we rank a Renault Clio for sale as one of the best options for a starter vehicle that will give you years of uninterrupted satisfaction. Here are a few reasons why the Clio should be at the top of your list.
A Reputable Brand And Longstanding Popularity
Renault has been around for much longer than many car manufacturers and has built a solid following. The French company brings an undeniable sense of visual sophistication and appeal to its vehicles. With the introduction of the Clio, the focus has always been on making it a fun, enticing car that offers great value for money – perfect for new car buyers who are looking to make the best investment.
The Clio has been around for over thirty years and has seen several transformations and improvements over that period, with the most recent models really ramping up the allure with great looks, vibrant colour finishes and technological extras that have made it a firm favourite among young drivers looking for a car that reflects their lifestyles and personality. In South Africa, the Clio has been one of Renault’s top sellers, and overall, it is one of the most popular models in the small hatchback car category.
Features And Benefits
Fuel efficiency is a big plus, with the Clio averaging 5.7 litres per 100 kilometers – great news for anyone looking to save as much as possible on petrol. Safety features include four to six airbags (depending on the model), emergency brake assist, electronic stability control, rear parking cameras, hill start assist, and front and rear parking sensors – which will make the driving experience significantly easier for new drivers.
Safety and driver assistance features aside, Clio’s interior is worth salivating over. Upholstery and trim throughout the cabin are of exceptional quality. The front console is fitted with a bright touchscreen infotainment system controllable from the steering wheel. Six speakers provide amazing sound, while Bluetooth connectivity will allow you to enjoy your favourite music and make or receive phone calls without any distraction or taking your hands off the steering wheel.
The Clio is available in three variants: LIFE, ZEN, and INTENSE, all of which are equipped with a 1.0 Turbo engine with a 5-speed manual transmission. Brand new, the Clio starts priced from R309 900. If you’re looking for a pre-owned Renault Clio for sale, you can expect to pay around R220 000 for a 2020 model with fairly low mileage. Go on‒ clinch that Clio!
Hijackings and car theft are unfortunate realities in South Africa, and it’s important to be aware of what puts you at greater risk of becoming a target and avoiding any such habits. Whether you’re driving a brand new vehicle or are currently on the hunt for used cars for sale, every car owner needs to be vigilant and proactive in ensuring that they’re not caught unawares at any time. Here are four key tips to keep in mind.
Avoid Parking In High-Risk Areas
Although car theft can happen virtually anywhere, some locations and situations make you an easier target than usual. Wherever possible, don’t park your car in the street, especially overnight. If you’re going out on the town for the night, consider ordering a lift and leaving your car at home. If you’re out on the road, whether during the day or night and need to stop to make a phone call or pull over because there’s a problem with your car, wait until you find a safe location to do so. Never stop on the side of the road or in an area where there aren’t any other people in sight.
Don’t Leave Your Keys Unattended
Even though thieves don’t always need your keys to steal your car, it’s always wise to keep your keys on you and out of sight. Don’t leave your handbag or jacket alone when out in public, even for a brief minute or two. When at home, be sure to place your car keys far away from quick grab-and-run areas like a front or back door or open windows.
Don’t Leave Items In Your Car
Nobody wants to discover their car windows smashed and their valuables stolen from inside. Never leave handbags, laptops, or phones in your car. If you do have items you want to leave behind when you go out, always lock them away in your boot.
Ensure That Your Car Is Locked
With most modern cars being equipped with remote central locking, we’ve become so used to simply pressing the lock button and walking away from our cars. Remote jamming has become a problem, so be very sure to check that your doors are definitely locked before walking away from your vehicle.
By keeping these tips in mind, you’ll reduce your chances of suffering the loss of your car and personal items. Getting additional security measures such as a tracking device installed will add to your peace of mind, so be sure to consider these extra add-ons if you’re currently looking at used cars for sale for your next set of wheels.
Taking a break from the mundane routines of life and getting away a bit is like food for your soul and tired mind. If you enjoy going hiking, camping, or exploring different campsites and game reserves, you need a set of wheels that accommodate your outgoing and adventurous lifestyle. While most SUVs check all the boxes for adventurers, today we’re looking at a few models that fit the bill perfectly for casual campers and outdoor enthusiasts instead of those suited for full-on 4x4 expeditions through rugged mountains and extra tricky terrain.
The Renault Captur is one of the vehicles we’ll be highlighting, along with a few other affordable mid-range SUVs and mini-SUVs that have proven popular with campers and nature lovers in South Africa.
The Renault Captur
The Captur was launched in 2013 and rapidly became an international hit due to its unique styling, great features and very reasonable price. Renault introduced buyers to the option of selecting colour schemes with the Captur, thanks to their two-tone bodywork colour range and several chrome and lighting variations to make the model match the buyer’s style.
It’s received an impressive full five stars in the Euro NCAP rating tests because of its sturdy build and standard fitting of all the essential safety features alongside a host of additional ones such as driver seatbelt reminder, automatic windscreen wipers, and four front airbags to keep the driver and front passenger safe.
It comes equipped with a touchscreen infotainment and navigation system, removable seat covers for quick and easy cleaning, steering wheel controls, Bluetooth, and USB ports. You’ll have 422 litres of boot space to pack your kit and cooler boxes, which can be further expanded to an impressive 1275 litres of space if you collapse the rear seats. If you need even more space, roof racks can be installed for the model, giving you plenty of room for bikes, canoes, or a roof storage unit.
There are four variants available for this model, ranging from 6-speed manual to 7-speed automatic transmission, with petrol and diesel options. The Captur was briefly discontinued, but it was announced late in 2021 that we’ll soon be seeing a whole new facelift rendition of the model on our shores sometime in 2022. A pre-owned Renault Captur will cost you in the region of R170 000 for a 2016 model, with 2018 models averaging around R250 000.
The Suzuki Vitara & Grand Vitara
One of Suzuki’s largest models in the range, the Vitara and Grand Vitara crossover SUVs are great family cars that offer ample space and a rugged enough build to take on dirt trails just as effortlessly as city traffic. Few know that Suzuki was a market leader in the production of SUVs long before it became such a popular vehicle class. In fact, they introduced the first Vitara back in 1988, at a time where the model drew interest largely from outdoor enthusiasts and 4x4 adventurers. It is still touted as one of the most reliable and affordable SUV models on the market, making it a solid investment for prospective car buyers.
The model is available in both petrol and diesel engines with manual and automatic transmission variants. Fuel consumption averages at 5.7 litres per 100 kilometers. With the back seats moved all the way back, boot space is 375 litres, but this can be vastly increased by moving the seats forward and collapsing the rear seats. The interior is detailed in durable faux leather and fabric, with loads of storage space for front and rear passengers.
The Vitara is equipped with an integrated touchscreen infotainment system, seven airbags, ABS, EBD and remote central locking. The Vitara also received a full five-star Euro NCAP rating for the South African variant, which further bolsters its overall appeal. Pre-owned 2020 Vitara models generally cost around R350 000.
The Toyota RAV4
Toyota’s RAV4 grew in size and stature since its original release in 1994, from what started as a rather boxy little all-roader to a much more robust, sophisticated SUV with masculine lines. Even at inception, it was already a hit, skyrocketing to becoming the third best-selling car in South Africa within the first year of its release.
You won’t ever run out of room thanks to the massive 735 litres of boot space, which can be further expanded by collapsing the rear set of seats. Fuel consumption is exceptional in all RAV4 models, with Toyota establishing it at an average of 7.8 litres per 100 kilometers. However, several owners and car reviewers have managed to easily improve it to 8.9 litres per 100 kilometers – a hugely impressive consumption rate for any car, especially a large model like the RAV4.
Features include an integrated infotainment system with a touchscreen and steering wheel controls, adaptive cruise control, seven airbags, LED headlights with automatic high beams, front and rear fog lights, remote entry, and central locking. Pre-owned models released in 2020 sell at prices from R350 000.
If you’re interested in the Renault Captur or another SUV for your camping adventures, be sure to check our Motus Select stock often for newly added models. You may just find your dream car at a great price!
Life changes, and often that means shifting from being single to having your lifestyle completely overhauled when your family grows. Small cars aren’t always ideal anymore, and it’s normal to start thinking about moving up to a different set of wheels to comfortably and safely accommodate the new arrivals to your household. Whether you’re currently expecting a child or already have a baby or toddler, safety is an important issue that should be considered – not to mention space.
Along with the responsibility of having kids, the need to transport a lot of extra luggage like bags, prams, and baby seats on a daily basis means you’ll need to find something spacious enough to make your daily routines manageable. Here are a few cars for sale that we recommend for new parents and growing families.
This spacious SUV was practically built with a busy family in mind. Honda’s CR-V was introduced back in 1996 and, having kept up with developing trends throughout the years, is still a very popular model in their range. It’s an aesthetically striking vehicle with beautiful styling both inside and out, with sculpted lines and sophisticated detailing and finishes throughout.
There’s ample space in the massive 572-litre boot to safely store away all the extras like bottle bags, clothing and toys, while the interior cabin is fitted with several storage spots to help you keep everything organised and out of immediate sight. It’s packed with safety features and also comes with driver assistance, a multi-view rear camera to assist with parking, and remote central locking. You’ll get an average of 7.0 litres per 100 kilometers, which doesn’t make it the most fuel-efficient SUV on the market, but the vast array of features and luxurious driving experience more than makes up for that.
Duel-zone air conditioning will keep everyone in the cabin happy, the touchscreen infotainment system will provide endless hours of entertainment for little ones in the back, as well as a multitude of vehicle customisation and information features. Brand new, the Honda CR-V starts from R572 800, but a pre-owned upper-spec model from 2018 will cost in the region of R400 000.
Another popular SUV on the local market, the Tucson comes in six-speed manual or automatic transmission, with four variants to choose from. As one of Hyundai’s premium models in the range, it is just as well suited as an executive vehicle as a family car for the busy household. It’s equipped with driver, passenger and side airbags for maximum protection in the front row of the vehicle, and features parking distance sensors, ABS, EBD, auto-locking and unlocking doors, remote keyless entry, air conditioning with rear ventilation ducts to keep the kids and passengers in the back seat comfortable, cruise control, a touchscreen infotainment system, Bluetooth connectivity and plenty of storage space in the boot and throughout the cabin. A brand new Tucson starts from R519 900 for the baseline 2.0 Premium AT model, but you can pick up a pre-owned model from 2018 for around R480 000.
Not quite ready to move up to an SUV and still want to retain a sense of sporty youthfulness, even as a parent? Stylish, visually striking, and packed with features and safety, the CX-3 is well worth a look. It’s available in four model variants, with an average fuel consumption rate of 6.9 litres per 100 kilometers across all four. It’s available in a manual and automatic transmission, with the base 2.0 Active model sporting a 6-speed manual transmission petrol engine.
Safety was a major focal point in the development of this model, as is the case with all of Mazda’s offerings. You’ll find six airbags installed throughout the cabin, alongside brake assist, traction control, ABS, EBD, cruise control, super lock system, side-impact door beams and remote central locking.
In addition, the CX-3 has full front and rear electric windows, an on-board touchscreen system with controls on the steering wheel, and the smart safety system provide driver attention alert, blind-spot monitoring and alert, and adaptive headlights. With 350 litres of boot space, you’ll be able to comfortably fit everything you need to transport your family and keep it out of direct sight to avoid theft or break-ins.
Brand new, CX-3 models start from R366 500, but you can invest in a pre-owned, upper-end variant of the model with fairly low mileage on the clock for around the same price.
If your budget is limited to under R200 000, it is well worth looking at a pre-owned Sandero as a viable option. Standard equipped with roof racks and 328 litres of boot space, the Sandero also hosts an array of safety features, including driver and front passenger airbags, ABS, EBD, hillside start assist, an anti-slip regulator, and remote central locking.
The Sandero is no longer being sold as a new model, but there are plenty of great pre-owned models on the market at any given moment. A practically-new looking 2016 Sandero Stepway sells for around R140 000, while you can pick up a 2019 model with less than 40 000kms on the clock for just under R200 000.
For these and many other cars for sale at competitive prices, check out our Motus Select website. We update our stock frequently and have the largest selection of demo vehicles available at the best prices.