/ cash against your car

Get cash from your car. Keep driving it.

RefiMyCar unlocks the cash tied up in your vehicle. We settle any finance you still owe, pay the balance to you in cash, and you keep driving the car you own — repaid in affordable monthly instalments.

How much cash can I get? → Request a call back

You keep your car All major SA banks No upfront fees

How much cash can I get?

Estimate the cash you could unlock from your vehicle.

Your car's value R150,000 Amount you still owe R0

Cash you could unlock

R150,000

Repay from R3,336/mo over 60 months

Illustration only at ~12% p.a. Minimum R30,000. Your actual amount depends on your vehicle, settlement balance and affordability.

/ why RefiMyCar

Cash now — and you keep your car.

Turn the value sitting in your vehicle into cash you can use today, without selling it.

Cash in your pocket

Unlock up to your car's retail value in cash, paid directly to you.

Keep your car

You keep driving it the whole time. Ownership stays with you.

Use it for anything

Emergencies, school fees, debt, business cash flow — it's your money, your call.

Affordable repayments

Pay it back over a term that fits your budget, in one simple monthly instalment.

/ simple process

How it works

Four steps from application to cash in your account.

Apply online

Complete our quick form. We check your eligibility.

We value your car

We confirm how much cash you can unlock and agree a repayment that suits you.

We pay you cash

We settle any finance you still owe and pay the balance to you.

Keep driving

Repay monthly and keep your car the whole way.

/ cash for your car

Your car is worth cash. Get it.

You've built up real value in your vehicle. RefiMyCar turns that value into cash in your pocket — up to your car's retail value — without you selling it or giving it up. We settle any outstanding finance, pay you the balance, and you keep driving. Use the cash for whatever you need.

See how much I qualify for →

Glowing lime-green coins dissolving into light particles

/ eligibility

Do I qualify?

If most of these sound like you, it's worth applying.

You likely qualify if you…

Are 18 or older
Are a South African citizen
Hold a valid driver's licence
Have a credit record clear of judgements (not blacklisted, under debt review or insolvent)
Earn enough to cover your expenses and the new repayment
Own a vehicle (car, motorcycle or commercial)
Want to unlock R30,000 or more

What you'll need to apply

South African ID
Valid driver's licence
Proof of residence (under 3 months old)
Latest 3 months' payslips
Latest 3 months' stamped bank statements
Current vehicle settlement letter (if still financed)
Vehicle registration / ownership papers
TransUnion ITC credit report

/ good to know

Frequently asked questions

How much cash can I get?

Up to your car's retail value, less any amount you still owe on it. The minimum is R30,000. The exact figure depends on your vehicle, settlement balance and what you can comfortably repay.

Do I keep my car?

Yes. You keep driving your car the whole time — ownership stays with you. Only the finance arrangement changes.

What can I use the cash for?

Anything you need — emergencies, school fees, settling other debt, business cash flow, home improvements. It's your money.

Is my car used as security?

Yes. The loan is secured against your vehicle, which is exactly why you can access more cash, at better terms, than with unsecured credit.

Can I still do this if my car is financed?

Yes. We settle the outstanding finance with your current bank and pay you the remaining value as cash.

Are there upfront fees?

No upfront fees to you. A once-off fee is settled by the financier, and there's no fee if your application is unsuccessful.

Can I use a commercial vehicle?

Yes — both private and commercial vehicles qualify.

/ get started

Ready to turn your car into cash?

Apply in minutes or request a call back. Free, no-obligation, and you keep your car.

Find out how much cash you qualify for

Works with all major South African banks

No fee if your application is unsuccessful