Ndivhu |Kleva Finance+Shopping
Region: ZA
Monday 18 May 2026 06:06:35 GMT
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🎂 by u Kwandah :
They say... If they are failing to pay. No one will come take it.
2026-05-18 07:56:13
72
Siza De Gal :
I initially took a vehicle finance offered at 13.9% fluctuating with a ballon payment. After sometime I went to another bank that offered me a vehicle loan (not personal loan) and they offered me at 10.25% fixed interest and I own the car now. Instalment increased by 2.8k with no ballon but same term. I found that reasonable. Should something happen to my income, no one is touching my car.
2026-05-18 10:57:52
13
Sindy Mchunu :
Car loan it’s cheap kanjan guys eyam imoto eka300k but total amount that I’ll pay it’s 500k meaning 200k interest hay
2026-05-18 11:34:45
23
Pfano Munyembane :
I think it depends on the source of income security, if you're permanently employed it's good to go for vehicle finance, however if you're a freelancer or hustling mode, I would opt for personal loan. that way u can buy form auctions as well, even the price and where you're buying contribute.
2026-05-18 09:55:26
20
Nomshado :
I hear some saying, they do that so that they can leave the loan not paid and wait for it to prescribe. This allows them to keep the car and by the time they want to change it, the record would have been deleted so they can take another one.
2026-05-18 18:23:10
5
Katli🤸♀🚶♂🌍 :
I think you know the answers to the question ...most of it its Job security and people dont necessarily care abt the intrest rates....especially in SA
2026-05-18 15:53:57
5
tlotli🇿🇦 :
it's job insecurity, it's better to be stuck with debt and a car than be stuck with debt whilst your car has been repossessed
2026-05-18 14:06:44
42
Lethabo :
personal loan you are unlikely to get approved over R250 000. with a car you get approved more than that.
2026-05-18 19:25:31
16
dyce :
Personal loan is better because if you lose your job you will have your car
2026-05-20 10:07:47
8
Colleen Buthelezi :
I guess it's lack of knowledge
2026-05-18 07:33:46
13
Blac_Sina :
Job insecurity, it won’t be repossessed
2026-05-18 08:25:00
43
Dotcom_SA :
The secret is on the good credit score and that one bank that will offer you a prime or prime minus even on a personal loan.
2026-05-18 14:01:06
7
Emperor :
I don't know much but I think that personal loan is more expensive because it doesn't have a specific category where as the car finance is specified/tailored towards the amount you want to borrow so there's a specific interest they can charge where a Personal loan they can charge you anyhow.
2026-05-19 10:34:49
6
vovo_ka_plaatjie :
We know sis, our job are no so permanent as the contract says, so rather safe than sorry 😔
2026-05-19 09:25:38
7
Mojabeng :
I took personal loan the interest was too much I financed my car 11 percent interest
2026-05-18 18:12:23
6
ke Monare :
This days banks charge same interests for secured and unsecured, so I get.
2026-05-18 16:52:28
7
chase :
because you're not guaranteed to keep your job for 5 or more years till the car is paid off, at least you get blacklisted and still keep the car
2026-05-18 19:00:23
9
Butterfly Clothing line :
Job insecurity
2026-05-18 09:36:27
15
Butterfly Clothing line :
Job insecurity and also I was made to understand that these days banks dont allow people to add onto their installments ts to cut pay ones debt quicker and cut interests ,whereas with the personal loan you can add on to your monthly repayments to finish it much quicker and save on interests
2026-05-18 09:39:06
9
Hoffwell Noko🦔 :
Nna I have done personal to buy a car back in 2022 because I needed a car to take me from point a to point b because I was buying a house so I needed money for transfer fees and I could not take car and home loan at the same time
2026-05-18 08:45:02
10
chomza56 :
You are correct, car finance is cheaper in terms of interest rates. I bought my first car on personal loan as I was sessionally employed, so this was for security purposes.
2026-06-18 13:25:41
1
Angelolewis2642 :
I still think a personal is a bit🤔 cause u cn choose whether you want insurance or not but with finance u must take insurance
2026-06-18 20:02:23
1
Lerato Puseletso Mot :
Affordabilty nd ownership...I do nt qualify for a car bt I do for a personal loan nd so we opt for 2nd hand cars dat belong 2 us nd we cn use dem 4 business purposes nd repay the loan quicker den the anticipated term
2026-06-21 23:22:51
3
confie,,,Rm :
when you take personal loan and buy a car if you cant pay it anymore the bank wont come n take the car but if its vehicle loan the bank can repossesse it and sell it to get their money
2026-06-25 18:23:50
1
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