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Find quick answers about our finance solutions, applications, and support.
Search our knowledge base or browse by category to find answers about our finance solutions, application process, and services.
Eligibility & Documents
Requirements, documents needed, and what you need to qualify for finance.
6 articles >
General
Basic information about our services, and how we operate.
9 articles >
Vehicle Finance
Financing for dealerships, private sales, and auction purchases.
7 articles >
Refinance Any Asset
Cash out on paid-up assets and unlock value from your existing vehicles.
3 articles >
Commercial & Agri Finance
Financing for trucks, equipment, agricultural assets, business solutions.
5 articles >
Leisure & Personal
Finance for boats, bikes,
caravans, and personal loans.
3 articles >
Process & After-Sales
Step-by-step process, valuations, approvals, and what happens after.
5 articles >
Auctions Guide
5 articles >
Still have questions?
Our team is ready to help you find the right finance solution for your needs.
General
Basic information about Finance Warehouse, our services, and how we operate.
Who is Finance Warehouse and where do you operate?
We’re a South African finance Facilitator providing vehicle, private-to-private, auction, refinance and commercial funding—nationwide.
Do you offer finance nationwide?
Yes. We assist customers across South Africa.
How long does pre-approval take?
Usually within 24 hours once we have all required documents.
How long is my pre-approval valid?
Typically up to 30 days (varies by funder). We’ll confirm your exact validity.
What interest rates do you offer (fixed vs variable)?
Rates are credit-profile and product dependent (prime-linked; fixed/variable options may be available).
What fees should I expect?
Standard bank initiation and monthly service fees apply. Some deals include admin/valuation fees—your quote will itemise everything.
Can I settle my finance early—any penalties?
Yes. Request a settlement quote anytime. A small early termination charge may apply per bank policy/NCA.
Do you work with all banks or selected partners?
We work with leading banks and specialist funders, matching you to the best fit for your profile and asset.
How do you protect my personal information?
We’re POPIA-compliant and use secure systems. Your data is used only to process your application.
Eligibility & Documents
Requirements, documents needed, and what you need to qualify for finance.
What do I need to qualify?
South African ID, stable income, affordability, and a clean enough credit profile for the product you want.
I'm self-employed—what documents do you need?
ID/driver’s licence, 6 months bank statements, latest management accounts/financials, proof of address, and any company docs we request.
Can I apply with a joint applicant/spouse?
Yes—joint applications may improve affordability.
Do I need a deposit?
It depends on your profile and the asset. Zero-deposit deals are possible; we’ll confirm at pre-approval.
Can you help if I have an impaired credit record?
Apply anyway. If we can’t approve today, we’ll share practical steps to improve for next time.
Which documents are needed to start?
ID & driver’s licence, latest 3 payslips, 3 months bank statements (6 months if self-employed), proof of address, and basic asset/seller details.
Vehicle Finance
Financing for dealerships, private sales, and auction purchases.
Can I finance a car from a private seller?
Yes—private-to-private finance is available. We help structure payout and guide the NaTIS/registration steps.
Can you finance a vehicle bought on auction?
Yes. We regularly fund bank and fleet auctions (webcast or on-site).
I've already won a lot at auction—can you still finance me?
Often yes—apply immediately and we’ll advise on timelines and release.
Do pre-approved clients always skip the auction registration deposit?
Not always. At some bank auctions pre-approved clients may not need to pay the deposit—we’ll confirm where this applies.
Can you pay a seller's existing bank settlement directly?
Yes—with a valid settlement letter, we can pay the bank and handle the balance to the seller.
Do you finance motorcycles, bakkies, vans and SUVs?
Yes—passenger and light commercial vehicles are supported. (Heavy/commercial via our Commercial team.)
Are there limits on vehicle age or mileage?
Limits vary by funder and product. Share the vehicle details and we’ll confirm quickly.
Refinance Any Asset
Cash out on paid-up assets and unlock value from your existing vehicles.
Can I access funds using a paid-up vehicle or asset?
Yes—refinance a paid-up asset to unlock value and receive cash back.
Which assets can be refinanced?
Cars, bakkies, selected trucks and equipment—case dependent.
How is the payout calculated and how long does it take?
Based on asset value, condition and your profile. Timelines vary; we aim for a swift turnaround once all docs/compliance are complete.
Commercial & Agri Finance
Financing for trucks, equipment, agricultural assets, and business solutions.
Do you finance trucks, trailers, yellow metal and plant?
Yes—trucks, trailers, yellow metal, warehouse and production equipment.
Do you finance agri equipment and implements?
Yes—tractors, implements, irrigation, storage and more.
Can you finance solar PV, batteries and backup power?
Yes—energy/solar solutions for businesses.
Do you offer sale-and-leaseback for businesses?
Yes—subject to asset and credit approval.
What do you need from a company to apply?
CIPC docs, director IDs, 6–12 months bank statements, latest financials/management accounts, VAT reg (if applicable), and proof of address.
Leisure & Personal
Finance for boats, bikes, caravans, and personal loans.
Do you finance leisure assets (boats, bikes, classic cars)?
Yes—case by case, subject to asset criteria and funder appetite.
Do you offer personal loans or partner products?
Yes—partner personal-loan options may be available (subject to credit approval).
Can I add a mechanical warranty or insurance to my deal?
Yes—optional value-adds can be quoted and coordinated.
Process & After-Sales
Step-by-step process, valuations, approvals, and what happens after.
What's the step-by-step process from application to payout?
Pre-approval → asset validation → final approval & contracts → payout/settlement → registration/NaTIS → collection.
How do valuations and inspections work?
Depends on the deal: auctioneer disclosures/independent reports or bank/supplier inspections as required.
Who handles roadworthy and licensing?
Varies by seller/auction. We’ll guide the steps and timing.
When do I get the vehicle after approval?
After payout, release, and required documents/insurance are in place—the auctioneer/seller will confirm collection timing.
What happens if a deal falls through—do I lose my approval?
If within validity, your pre-approval can be retargeted to another asset (subject to reassessment if details change).
Auctions Guide
Tips, costs, and comfort info for buying vehicles at auction.
How do I find upcoming auctions by bank or region?
Check our Auction Events and join our WhatsApp updates for weekly catalogues and links.
Can I bid via webcast instead of attending in person?
At most auction houses, yes—details are listed on each catalogue page.
What costs should I budget for at auction?
Hammer price plus buyer’s fee, VAT (if applicable), documentation fees – refer to auctioneers terms and conditions as this varies.
What should I check at viewing?
Photos, disclosures, any independent reports (e.g., DEKRA), and basics like tyres, brakes, lights, electronics and service history.
What's a sensible maximum bid and how do I set it?
Work from an all-in number (car + fees + small fixes). We’ll help you set a ceiling and stick to it.