Vehicle finance affordability audit
A line-by-line assessment of one proposed vehicle finance agreement against verified income, existing obligations and realistic household expenditure.
View scope →Independent review · South Africa
Before the signature, make the instalment make sense.
Buildpilotbase audits vehicle finance application affordability—income, deductions, living costs, balloon payments and the full repayment picture—before you commit.
The decision underneath the deal
A clear second look at what the application says you can carry.
Approval is not the same as comfort. We compare verified monthly income with recurring obligations, realistic household costs and the proposed agreement so that pressure points are visible in plain language.
See how the audit works →Available reviews
Choose the review that matches your stage.
Pre-application readiness review
A guided check of income evidence, recurring expenses and likely affordability questions before a vehicle finance application is lodged.
View scope →
Dealer application file quality check
A documented completeness and affordability-sense check for dealership finance staff before an application moves forward.
View scope →
Evidence, not a sales pitch
We are not the dealer, lender or credit provider.
Our work is an independent affordability opinion based on the records you supply. We explain trade-offs without selling a vehicle or arranging finance, and we state when information is incomplete.
“The audit showed that the balloon made the advertised instalment look easier than the final cost. I still bought the vehicle, but changed the deposit and term first.”Read client stories →
— N. Mthembu, Durban
Ready when your figures are
Send the outline of your proposed finance agreement.
We reply within one business day with document requirements, availability and a confirmed fee before any audit begins.
Ask for a review