Car Hub Durban – Frequently Asked Questions (FAQs)
Welcome to the Car Hub Durban FAQ page. Whether you are looking to buy a quality pre-owned vehicle, exploring our flexible leasing options, or wondering how our rent-to-own program can get you behind the wheel, we have compiled all the answers you need right here.
If your question isn’t answered below, feel free to reach out directly to any member of our sales team any time.
1. Rent-to-Own & Vehicle Leasing
How does the rent-to-own program work?
Our rent-to-own options are designed for individuals who need a reliable vehicle but may struggle to secure traditional bank finance due to strict credit scoring. Instead of buying the car outright through a bank loan, you lease the vehicle from us for a fixed monthly period. At the end of the agreed term, after completing all payments and meeting the contractual conditions, ownership of the vehicle is transferred to you.
What are the basic requirements to qualify for rent-to-own?
To apply for our rent-to-own program, you generally need to provide:
- A valid South African Driver’s License.
- A valid South African ID or a legal passport with a valid work permit.
- Your latest 3 months’ bank statements reflecting a stable income.
- Your latest 3 months’ payslips.
- Proof of residential address (not older than 3 months).
- An upfront administration fee or deposit (depending on the specific vehicle special).
Can I qualify if I am blacklisted or have a low credit score?
Yes, absolutely. Our rent-to-own and leasing structures focus heavily on affordability and your current ability to pay, rather than historical credit scores. While we do perform administrative checks, being blacklisted or having a low credit score does not automatically disqualify you from getting a vehicle with us. With Straight Approval option, you are 100% guaranteed of approval.
What is STRAIGHT APPROVAL?
Straight Approval is our specialized, hassle-free alternative to traditional bank financing. It is designed to cut out the red tape and make getting a quality pre-owned vehicle as straightforward as possible, especially for individuals who are self-employed, have an adverse credit history, or are otherwise overlooked by mainstream banks.
Instead of relying on third-party commercial banks that use automated, strict credit scoring algorithms to reject applications based on past financial hiccups, we handle the financing through our In-House Financier.
Here is exactly how the Straight Approval path works:
1. Affordability Over Credit History
We focus entirely on your current ability to pay rather than what happened in your financial past. If you have a stable income today and your income-to-expense ratio shows you can comfortably manage the monthly installments, you are positioned for a straight approval.
2. In-House Underwriting
Because we use our own in-house financing mechanism for our rent-to-own fleet, we make the rules. There are no middleman bank managers to convince. The evaluation is done directly by our team, resulting in a significantly higher and faster approval rate.
3. Clear, Fixed-Term Contracts
A straight approval leads directly into a clear, transparent rent-to-own contract. There are no hidden fees, unexpected interest hikes, or balloon payments waiting for you at the end. No Credit Checks: Whether you are blacklisted, under debt review, or have a low credit score, it does not matter. Secure your guaranteed spot today for a one-time Initiation Fee of just R950. After approval you pay your once-off Deposit and you pay your fixed monthly installment for the agreed term, and once fulfilled, ownership of the vehicle is legally transferred to you.
What is required for a Straight Approval?
To get processed under this option, you skip the massive stacks of bank paperwork and with only R2,650 once off Initiation Fee and just need to provide:
- A valid South African Driver’s License
- A valid SA ID (or passport with a valid work permit)
- Your latest 3 months’ bank statements
- Your latest 3 months’ payslips (or clear proof of steady income if self-employed)
- Proof of residence (not older than 3 months)
It is our way of keeping South Africans moving by looking at where you are going, not where you have been.
Are insurance and tracking included in the monthly payment?
Yes, for your peace of mind and the safety of the asset, comprehensive insurance cover, roadside assistance, and an active vehicle tracking unit are standard components built directly into your monthly debit order agreement.
2. Our Vehicle Fleet & Stock
What types of vehicles do you stock?
We specialize in popular, reliable, and fuel-efficient vehicles perfectly suited for daily commuting, family travel, or business use in South Africa. Our inventory regularly features highly sought-after hatchbacks like the Volkswagen Polo and Volkswagen Golf, dependable budget models such as the Suzuki Swift, and tough workhorses like the Toyota Hilux.
Do you stock high-performance or specialized models?
Our core focus is on practical, high-demand pre-owned vehicles. While we occasionally source premium models (such as Mercedes-Benz A-Class or BMW X3 variants), we stock production-line trims optimized for value and reliability. For instance, our Ford Figo models are standard, economical daily drivers (like the Ambiente trim) rather than high-performance ST variants.
How do you ensure the quality of your used cars?
Every vehicle that arrives at Car Hub Durban undergoes a thorough mechanical safety assessment and a detailed multi-point inspection. We check everything from engine performance and braking efficiency to the front grille, bumpers, and bodywork alignment to ensure you drive away in a safe, roadworthy car.
3. Payments, Fees, & Administration
Is there an upfront fee required?
Most of our rent-to-own agreements require an initial payment, which typically includes a secure holding deposit or an administration fee. This fee covers the setup of your contract, tracking installation, and initial licensing logistics. Keep an eye out for our promotional periods, such as our annual Valentines Special or Pre-Black Friday Campaigns, where we frequently run No Deposit or heavily discounted upfront offers.
How are monthly payments collected?
To make the process seamless and secure, all monthly leasing or rent-to-own payments are processed via an automated monthly debit order arrangement. This ensures your account stays up to date and protects your vehicle agreement from accidental lapses.
Can I pay off the vehicle early?
Yes, early termination and early settlement options are available. If your financial situation changes and you wish to settle the remaining balance of your contract early to take full ownership sooner, you can request a settlement quote from our finance team.
4. Servicing, Maintenance, & Location
Who is responsible for servicing the vehicle?
Routine servicing and maintenance are essential to keep your vehicle running smoothly. Under our standard rent-to-own contracts, the driver is responsible for ensuring the vehicle is serviced at specified mileage intervals at approved service centers. Failing to service the vehicle can void warranties and impact your end-of-term ownership transfer.
Where is Car Hub Durban located?
We proudly serve the whole RSA from our main dealership hub in Durban at 311 Solomon Mahlangu Dr, Durban, 4072. You can visit us at our prominent branch located in The Bluff, Durban, or get in touch with our team handling inventory across our network.