“My overtime made three payslips look stronger than a normal quarter. Thandi separated it from basic pay and helped me choose an instalment I could carry in a quiet month. The document request felt a little detailed at first, but I understood why once the figures lined up.”
— Kabelo M., Richards Bay · readiness review
“We had treated the trade-in as a deposit without noticing that part of it settled the old vehicle. The written audit set out the actual cash contribution and balloon on one page. That changed the model we considered.”
— Ayesha and Farid K., Durban · full affordability audit
“The exception list was blunt and useful: two missing statements, an expense figure that needed the applicant’s confirmation, and a commission average we could not support. We fixed the file rather than guessing.”
— Finance manager, independent KZN dealership · file quality check
One proposal, two very different monthly pictures
A Durban applicant brought a quotation with a manageable-looking instalment over 72 months. The audit found that insurance had not been included in the household plan, a current personal-loan instalment remained active, and a substantial balloon sat at the end of the term.
The client did not abandon the purchase. Instead, they increased the deposit after waiting two months, selected a less expensive derivative and removed the balloon. The final monthly instalment was not dramatically lower, but the end-of-term obligation and total credit cost were easier to carry and understand.
Names are shortened and identifying details are limited. Outcomes reflect individual circumstances and do not guarantee a similar lending decision.