A Smarter Alternative to
Traditional Bank Finance.
In 2015, the National Credit Regulator tightened approval scoring nationally, and overnight, 15% of South Africans who previously qualified for vehicle finance no longer could. They didn’t stop needing cars. The banks just stopped saying yes.
Kichose Flow was built for that 15%. We are stricter than rent-to-own dealers, but more flexible than banks. We look at your payment conduct, how you have been managing your accounts, not just what your credit score says. If you have been paying your accounts, we want to hear from you.
One monthly payment covers your vehicle, comprehensive insurance, mechanical and electrical warranty, vehicle tracking, and 24/7 roadside assistance. And you have the option to buy your vehicle at any point.
