Forward vehicle finance and sourcing. Upload the documents required for personal or vehicle finance and we come back to you the same day. Where finance is approved, we can source the vehicle too.
Desks in Gauteng and the Western Cape. Applications taken nationwide, delivery arranged anywhere in South Africa.
THREE ROUTES
Start where your credit record actually is.
ROUTE ONE
Apply directly
For applicants confident their record is sound. Upload the pack, we check it is complete and place it with our accredited finance partner. Same-day answer, and we source the vehicle once approved.
ROUTE TWO
Check before you apply
A paid assessment of how likely you are to be approved, before a lender formally searches your record. A declined application is visible to the next lender who looks. This is not.
ROUTE THREE
Repair, then return
If the check or an application says no, that is the beginning of the work rather than the end of it. You sign an electronic mandate and we refer you to an accredited debt rehabilitation partner. Come back to route one when the record supports it.
HOW ROUTE ONE WORKS
-
01
You upload
ID, proof of income, three months of bank statements and proof of residence. -
02
We submit
We check the pack is complete and place the application with our accredited finance partner. -
03
You get an answer
Same day, on a complete submission. You know where you stand either way. -
04
We source the car
Once approved, we find the vehicle that fits the deal and your budget. -
05
You collect
Paperwork signed off, delivery or collection arranged.
WHERE WE HELP
Vehicle finance
Applications placed with the right lender, answered the same day.
Personal finance
Support for personal finance applications and credit standing.
Vehicle sourcing
Once approved, we find the vehicle to match the deal.
Impaired credit records
Listings, judgments and thin files reviewed honestly, then worked toward approval.
COMMON QUESTIONS
Straight answers, before you spend anything.
Can I get vehicle finance if I am blacklisted?
Usually not immediately, and we would rather say so than take your money. A lender is unlikely to approve an application where there are active judgments or adverse listings. What we can do is read the record, tell you exactly what is on it, and refer you to an accredited debt rehabilitation partner who can work on clearing it. Once the record supports an application, we place it.
Will checking affect my credit score?
No. Our prequalification check does not place a formal credit application against your name. A declined application, by contrast, is visible to the next lender who looks at your record. That is the main reason to check first.
What does it cost?
Applying through us is free. The prequalification check carries a fee, quoted to you before you pay. What you are paying for is the assessment of whether a lender is likely to approve you and the managed application that follows, not a copy of a credit report.
How long does an answer take?
Same day on a complete submission received during business hours. Incomplete packs are the usual cause of delay, which is why we check the documents before anything is placed.
What documents do I need?
A copy of your ID, proof of income or recent payslips, three months of bank statements, and proof of residence. If you already have a vehicle in mind, send the quote or the details as well.
Can I apply if I am self-employed?
Yes. Bank statements carry more weight than payslips in that case, and six months is better than three. Lenders assess affordability on what the account actually shows.
Where is the service available?
Our desks are in Gauteng and the Western Cape, which is where most applications come from. We take applications from anywhere in South Africa, and once a vehicle is sourced we arrange delivery nationwide.
Is Bansir a credit provider?
No. Bansir does not lend, grant credit, or make credit decisions. We prepare and place applications with an accredited finance partner, who assesses them. The credit decision is theirs.