New & used vehicles
Finance for new and pre-owned vehicles.
VEHICLE FINANCE
Get on the road
with confidence.
Flexible vehicle finance for individuals and businesses. Whether you need a reliable everyday vehicle, a fleet for your business or specialised assets, ROC provides structured finance solutions designed around your goals and affordability.
PEOPLE. MOBILITY. A BRIGHTER TOMORROW.
Business fleets
Tailored solutions for business and operational fleets.
Commercial vehicles
Bakkies, trucks and specialised assets.
Simple process
Clear requirements and transparent steps.
Trusted partner
Work with a team that understands your needs.
Who this is for
DIFFERENT JOURNEYS. REAL OPPORTUNITIES.
- Individuals looking for a reliable vehicle
- Families needing safe and comfortable transport
- Businesses expanding their fleets
- Self-employed professionals
- Operators in logistics, agriculture and other sectors
- Customers looking to refinance an existing vehicle
Vehicle finance options
SOLUTIONS FOR YOUR JOURNEY.
Passenger vehicles
Sedans, SUVs and hatchbacks.
Bakkies & commercial
Work vehicles and light commercial.
Trucks & specialised
Heavy commercial and industry-specific assets.
How it works
A CLEAR PROCESS. A SMOOTHER JOURNEY.
- 1
Tell us what you need
Choose your vehicle, budget and preferred terms.
- 2
We assess your application
We review your profile, affordability and required documents.
- 3
Submit supporting documents
Upload the required information so we can finalise the assessment.
- 4
Receive an outcome
We’ll confirm the next steps and, if approved, help you get on the road.
Basic requirements
WHAT YOU MAY NEED.
- South African ID or accepted identification
- Proof of income (payslip or bank statements)
- Recent 3–6 months bank statements
- Proof of address
- Quotation from the dealership (where applicable)
- Other supporting documents may be required
Why finance with ROC
MORE THAN FINANCE. A LONGER ROAD AHEAD.
- Competitive and transparent terms
- Flexible solutions for individuals and businesses
- Support for new and used vehicles
- Personalised service and guidance
- A partner committed to your financial journey
Frequently asked questions
ROC may consider passenger, commercial and specialised vehicles, subject to the product, asset and affordability assessment.
Yes, qualifying pre-owned vehicles may be considered after ROC reviews the vehicle and proposed transaction.
Timing depends on the completeness of your application, supporting documents and the required assessment.
Deposit requirements depend on the approved structure, vehicle and affordability assessment.
ROC can assess refinance enquiries where the transaction is appropriate and meets current lending requirements.
ROC may explain whether further information, a different structure or a later application can be considered.
Ready to get on the road?
Check your eligibility or speak to our team
to find the right vehicle finance solution.
FURTHER
TOGETHER
FOR A BRIGHTER
SOUTH AFRICA