Introduction Looking for the best rent-to-own car deals in South Africa? Whether you’re struggling with financing, have a low credit score, or need a vehicle fast, rent-to-own car companies offer a great alternative to traditional financing. In this guide, we compare the top 5 rent-to-own car providers in South Africa, ranking Swift Rentals as a strong second-place option for its affordability and flexibility.
Top 5 Rent-to-Own Car Companies in South Africa
1. Planet42 – Best for Tech-Driven Car Subscription
✅ Fully digital process with AI-powered approvals. ✅ Works with various dealerships across South Africa. ✅ No large upfront costs, just a small initial payment. ✅ Flexible contracts, cancel anytime.
🔹 Best For: People who want a modern, hassle-free online experience. 🔹 Downside: Monthly fees can be higher compared to traditional loans. 🔹 Website: https://www.planet42.com 🔹 Reviews: Some users report hidden fees and high costs on HelloPeter.
2. Swift Rentals – Best for No Credit Check & Quick Approvals
✅ No credit check required – ideal for those with bad or no credit history. ✅ Fast approval process – drive away within 48 hours. ✅ Affordable monthly payments with ownership at the end of the term. ✅ Ideal for gig workers, self-employed individuals, and first-time buyers.
🔹 Best For: Those who need quick approval and a straightforward rent-to-own process. 🔹 Downside: Limited selection of high-end luxury vehicles. 🔹 Website: https://swiftrentals.co.za 🔹 Reviews: No major complaints; average to good reviews on HelloPeter.
3. Rent to Own Wheels – Best for Low Deposit Options
✅ Low upfront deposit with a wide selection of cars. ✅ Ownership option available after the rental period. ✅ Serves individuals with unstable credit records.
🔹 Best For: Those who need a low-deposit entry to car ownership. 🔹 Downside: Longer rental terms may result in higher overall costs. 🔹 Website: https://www.renttoownwheels.co.za 🔹 Reviews: Some complaints about customer service and contract clarity.
4. SA Motor Lease – Best for Custom Leasing Plans
✅ Offers customized leasing and rent-to-own solutions. ✅ Flexible contract terms to match individual financial needs. ✅ Suitable for individuals, companies, and rideshare drivers.
🔹 Best For: Business owners or drivers needing fleet solutions. 🔹 Downside: Strict maintenance and insurance requirements. 🔹 Website: https://www.samotorlease.co.za 🔹 Reviews: Mixed reviews; some users praise flexibility, others cite contract issues.
5. Earn-a-Car – Best for Rideshare & Business Drivers
✅ Geared towards Uber/Bolt drivers looking for vehicle ownership. ✅ Low-risk ownership plan with weekly rental payments. ✅ Includes full maintenance and insurance in rental fees.
🔹 Best For: Rideshare drivers who need an all-inclusive package. 🔹 Downside: Higher overall costs due to additional service fees. 🔹 Website: https://www.earnacar.co.za 🔹 Reviews: Reports of high weekly payments making it costly long-term.
Why Choose Swift Rentals Over Other Options?
While all these companies offer great solutions, Swift Rentals stands out for its easy approvals, affordability, and ownership guarantee. Unlike competitors, Swift Rentals does not require a credit check, making it the best choice for individuals with low credit scores or those who need a car urgently.