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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.
It’s the month of love here at Motus Select, and the only thing better than our prices is our range of good-looking demo cars. It’s the financial investment of a lifetime because you are purchasing an almost new car with minimal mileage and without the initial depreciation drop.
But much like any other car purchase, your vehicle only drives well for as long as you take care of it. So why not show it some attention and care this February with our expert tips below?
If a car detailing service is within your budget, then you should go ahead and splurge. It’s well worth the price, knowing that your new car is being cleaned thoroughly with meticulous attention to detail.
If not, though, a good old car wash will do. It allows you to empty the back seats, throw away piled-up receipts, and give it some shine.
It certainly has been a rainy summer the last few months—so much so that we do not doubt that your windscreen wipers have been put to the test. Now is the perfect time to replace your blades and ensure you have optimal vision through rain, shine, or hail.
High-performing tyres are dependent on regular maintenance checks and rotations. You need to ensure that your tyres are filled up to the correct pressure, which will distribute weight evenly. This ensures appropriate wear and tear on your wheels. Poorly worn tyres pose a serious threat in slippery conditions due to insufficient traction.
These relatively easy and doable tips can help you make the most of your purchase. Be it an exceptional find from our selection of demo cars to our affordable pre-owned vehicles, maintenance makes a difference.
With us playing Cupid, finding your dream car to take care of is as easy as 1, 2, 3. Explore our range of specials and demo cars to fit your budget and lifestyle.
The robust Renault Kiger for sale is one of the highlights of Renault’s range in South Africa. A popular crossover compact SUV, it promises good looks across its five-variant range.
But what else makes the Renault Kiger for sale the ultimate buy? We take a look at the top three features you need, all designed to give you driving excellence.
Connecting your phone to your car has never been easier than with Renault’s wireless smartphone replication feature. You have access to Android Auto or Apple CarPlay, depending on your phone.
This feature allows instant entertainment streaming options, giving you or your passengers full control of the playlist for those summer road trips. It also gives you access to traffic updates, which are quite helpful for your daily work commutes. And if you’re running late to a party and need to let your friends know, it’s no issue with the hands-free calling functionality.
Depending on your model of choice, you may have access to a supportive reverse camera. This is an essential feature in today’s day and age and is helpful in almost every situation.
It gives you an extensive view of the rear of your Renault Kiger, allowing you to navigate tight parking lots or bumper-to-bumper traffic. The sensors will alert you to any obstructions to help you manoeuvre carefully, giving you complete control of your car.
One of our favourite features of the Renault Kiger for sale at Motus Select is the smart key card access technology. It allows for hassle-free handling without you fumbling around looking for your outdated, bulky key.
This smart key card will minimise your efforts to unlock and lock your doors, allowing for smoother entry. It’s especially helpful if you’re wrangling kids through a busy parking lot or are carrying several heavy grocery bags to pack away.
The French are known for their ability to combine style and innovation in a seamless manner. Renault is no different, offering just that with the Renault Kiger. It’s where technology meets European charm, and it does it well.
Upgrade with the ultra-modern, technology-forward Renault Kiger for sale. Explore our range to find yours.
From hatchbacks such as the Kia Picanto for sale to their zesty sedans to their spunky SUVs, Kia has a car for everyone. When it comes to car shopping, Kia simply outruns the best in almost every category. They have mastered consumer appeal by manufacturing vehicles that are always in demand.
Below, we have compiled a list of 5 of the most popular Kia cars in South Africa that you should consider.
Perfectly Punchy: Kia Picanto
The Kia Picanto, nimble in size but mighty in style and value, is one of the leading hatchbacks in the country. It has a whopping 11-variant range, all equipped with petrol engines that vary from 1.0L to 1.2L. With most hatches, transmission options can be limited, but not with the Picanto, which is widely available in manual and automated modes, catering to your specific driving preferences.
What sets it apart from its counterparts in the same segment is that it comes packed with personality. A defyingly low fuel consumption rate of 5.8 L/100 km will lighten the load on your wallet. Its features include an 8-inch touchscreen display, multi-function steering wheel controls, and a 60:40 rear fold split function to add more space.
The Charismatically Conventional: Kia Pegas
Conventional is not always as drab or outdated as it’s made out to be. Certainly not with the Kia Pegas. It’s a modern-looking sedan that gives you more space than your usual city car. Although it may not be the first car from the brand that comes to mind, it should be.
The three-variant range is equipped with 1.4-litre petrol engines as a standard, along with automated and manual transmission options. It also manages a reasonable fuel consumption rate at 5.7 litres per 100 km. Additionally, it impresses even more with features such as its remote central locking, parking assist sensors, ABS (Anti-Locking Brake System), and EBD (Electronic Brake-Force Distribution).
The Infinitely Sleek: The Kia Seltos
As we move through the range, you will find that the mid-sized to large SUVs are undeniably suave. The Kia Seltos is a fine example of this with its meticulously crafted body, smooth curves, and ergonomically designed interiors. It is the ideal starter SUV to invest in if you are looking for more than just additional legroom.
The Seltos is available in several variants, with base models equipped with a 1.6L engine. Fuel types include petrol and diesel, with manual, automated, and DCT (Dual-Clutch Transmission) gearboxes to choose between. Moreso features such as its drive mode selector (Normal, Eco, Sport), LED daytime running lights, and reverse camera make the Kia Seltos a worthwhile purchase.
The Effortlessly Spirited: Kia Sportage
Kia continues its winning streak with its large SUV offering, in the shape of the Kia Sportage. Energetic and dynamic, this vehicle demands attention with its sculpted physique and challenges most of the heavyweights in its respective segment.
The range is fitted with a 1.6L engine as a standard, but this differs between LX, EX, and GT-Line models. It reaches maximum torque at 320 Nm/2000 rpm and has a 54-litre fuel tank. Kia has also equipped all variants of the Sportage with a 7-speed DCT gearbox.
But where this marvel truly excels is in its features, all of which make it a winner in our books. These include technology such as smart cruise control, wireless charging ports, ambient mood lighting, and a panoramic dual-curved display on some models. The Sportage’s features make those long road trips during our warm summers bearable.
The Radiantly Robust: Kia Sorento
To conclude our list, we take a look at the bold challenger, the Kia Sorento. It’s very capable and is ready to tackle all roads. Built with space in mind, the Sorento is more than just a weekend car; you can use it daily because of its practicality.
Neatly packaged into a 7-seater, it is undoubtedly big but still efficient. The range carries four distinct variants, is fitted with a 2.2L engine and DCT gearbox, and is available in different drivetrains. The Sorento boasts an incredible time of 10.7 seconds to go from 0 to 100km. Lane Keep Assist, smart entry, push-start ignition, and its rotary gear shift dial are just some of its highlights.
Kia produces cars that have the “it factor". Their range has a commanding presence but remains approachable. Ultra-modern, irresistibly cool, and with a minimalistic yet appealing style, their cars are made to fit into any lifestyle. Your perfect match is only a few clicks away, and the Kia Picanto can be yours today, direct from the best with Motus Select.
Discover South Korean charm with the Kia Picanto for sale and more of their show-stopping range. Find yours in-store or online.
Toyota is pleased to welcome the all-new Urban Cruiser to its model line-up. Building on the success of the outgoing model.
Striking exterior design
Urban Cruiser Familiar design cues such as the clamshell bonnet, slim headlights and gaping lower grille remain and show its relation to other members of the Toyota SUV family, while the Urban Cruiser has grown in every direction.
The Toyota urban cruiser features bi-halogen projector headlamps lower in the face inset within the bumper and framed by a chrome bezel. The slimline LED DRLs now become the focal points, splitting into two with a chrome strip in between that merges into the piano black grille. A massive lower grille aperture with a honeycomb design combines with a silver ornamental skid plate upping the aggression factor.
The Toyota Urban cruiser silhouette reinforces its SUV credentials with increased length, a high beltline and a gently sloping roof. Like the Fortuner, the use of blacked-out pillars lends the appearance of a floating roof. Bulging squared-off wheel arches and silver roof rails add an air of ruggedness. At the rear ultra-slim C-shaped LED taillights are inset with a black panel which is in turn overlayed by a pale silver garnish. A roof spoiler and decorative silver skid plate round off the rear.
The Toyota urban cruiser interior is an aesthetically pleasing mix of fabrics and features. The predominantly black cabin features subtle touches of silver including the satin-plated trim inserts, chrome door handles and metallic-tipped ventilation controls. High-quality black striated cloth upholstery features throughout the interior.
The Toyota Urban cruiser redesigned dashboard houses an easy-to-read seven-inch infotainment screen which features Android Auto and wireless Apple CarPlay. The instrument nacelle houses a pair of grey-bevelled analogue clocks that also incorporate a new colour TFT display.
Convenience features include Push Start with Smart Entry and rear PDC. The driver’s seat is now height adjustable and electric folding mirrors, reverse camera and auto-controlled air conditioning are standard on both grades.
Under the bonnet
The Toyota Urban Cruiser is fitted with the familiar 1.5-litre naturally aspirated four-cylinder engine that offers 77kW and 138Nm which allows for a top speed of 170 or 175km/h for the manual or automatic respectively. Buyers can choose between a five-speed manual transmission or a four-speed automatic on the XR grade. Fuel consumption for both derivatives is a frugal 6,1 litres per 100km on the combined cycle.
The Toyota Urban Cruiser rides on MacPherson struts at the front and a torsion beam at the rear, a set-up that is perfectly calibrated for all driving conditions to provide a pliant ride that strikes a balance between control and comfort.
Improved safety features
Toyota Urban Cruiser is now fitted with Vehicle Stability Control and Hill Assist Control. Inside a rear centre headrest along with a third rear ELR seatbelt improves safety for the fifth passenger. XR models gain side and curtain airbags in addition to the standard driver and passenger airbags. ABS with EBD, Isofix and an alarm/immobilizer system is standard on all models.
View our Toyota Urban Cruiser for sale on Motus Select.
Triber offers small business owners looking for a budget delivery vehicle that offers versatility, yet low ownership costs will certainly appreciate the Renault Triber Express.
Since its launch, the Renault Triber has proven to be an appealing offering with exceptional value for money that has allowed it to cement a strong foothold in the AB Entry Hatch segment. To meet market needs the range was subsequently expanded with the addition of the Triber Express panel van.
The Triber express panel van is a well-equipped vehicle that features impressive load space which allows it to accommodate the extensive needs of South African commercial customers, at an extremely affordable price point.
Distinctive SUV design
The Triber Express boasts striking projector headlights, stylish longitudinal roof rails, LED daytime running lights and a three-part ultra-modern triple-edge chrome grille that compliments its SUV-inspired styling.
Compact yet versatile
Triber Express might look compact, but it offers surprising amounts of space and versatility.
In the interests of cargo carrying, the rear seats have been removed, resulting in a loading area of 1,500 kilograms with a payload of up to 542 kilograms. This loading area is lined with durable flooring and features steel mesh behind the driver and on the sides for added safety and durability of the load area. Blacked-out rear windows keep the cargo away from prying eyes.
Adding further versatility is the fact that the loading of small packages can be done via the side doors, while normal loading from the rear is effortless thanks to the low floor.
Triber Express has an upfront driver’s seat that is six-way adjustable and creature comforts include front power windows and rear park distance control. An easy-to-use infotainment system comes integrated with R&Go radio, Bluetooth, USB and Aux ports.
Adding to the versatile nature of the vehicle, the interior also features additional storage spaces such as a glove box and added storage space in the centre console.
Safety is a key selling point and the Triber Express is equipped with ABS and EBD that complement its advanced levels of passive safety that is based on equipment such as three-point seat belts, a seatbelt reminder, dual airbags and reinforced body structure.
Low running costs
The Triber Renault Express offers a great combination of performance and fuel economy thanks to its lightweight structure and chassis. The 1.0-litre engine offers 52kW and 96Nm and is paired with a five-speed manual transmission. The capable 1.0-litre engine promises fuel consumption of just 5,5 litres per 100km, which is very advantageous for small business owners trying to keep overall fuel costs low.
Your perfect small business partner
Triber Renault represents a compelling package for small businesses. Its compact size, versatility, cost-effectiveness and fuel efficiency make it a practical and efficient choice for various business needs, such as deliveries, transportation and service operations.
View our Renault Triber for sale on Motus Select.