Alphera
- Vehicle Finance starting from R50,000
- Affordable interest rates
- Repayment up to 72 months
In-page navigation
[Accessed May 8, 2023]
About Alphera
Alphera Financial Services provide insurance and vehicle solutions that focus on simplicity, value, flexibility, and freedom.
Alphera Financial Services offers tailor-made finance and insurance solutions. They were established in 2001 by BMW Group Financial Services.
The need to establish this entity comes from them using their industry knowledge, experience and passion for vehicles to offer you a chance to own a car or motorcycle brand of your choice. Alphera Financial Services is a partner who you can trust.
New or used, no problem
Whether you’re in the market for a new or previously owned vehicle, the Alphera Financial Services team can assist you. With them, you can finally own your dream vehicle.
Being a finance partner that you can trust to attend to your lifestyle needs is what Alphera Financial Services is known for. You can enjoy the simplicity of applying for vehicle finance online, while also gaining secure access to your online account.
Great customer service & professionalism
With over 20 years of experience and almost 200 partners available nationwide, you can only expect great customer service and professionalism from the Alphera Financial services team. The entire team makes you feel appreciated and heard while also maintaining a human element throughout the entire customer service interaction
What’s Edge from Alphera Financial Services?
This is simply the best of both worlds. Edge is an innovative approach that focuses on making a 50-50 payment arrangement. This affords you the advantage of not exhausting your savings or withdrawing from your bond to buy the vehicle you desire in cash.
You get to invest your savings to earn increased returns, all while enjoying low repayments by servicing just the interest on the amount that’s remaining.
You benefit from reduced monthly payments by servicing the interest first and paying the balance over 36 months. Once you’ve reached the end of your contract term, you’ll have two options. These are to either finish off the outstanding 50% balloon payment or trade-in or refinance your car.
Alphera Services
Alphera Financial Services is the number one provider of multiple vehicle finance products from a range of brands.
If you’ve been searching for advanced finance solutions for used or new vehicles, Alphera Financial Solutions can grant you a loan with terms that are made specially to suit your current situation. You can choose between an instalment sale or Edge.
Alphera Financial Services is the number one provider of multiple vehicle finance products from a range of brands. If you’ve been searching for advanced finance solutions for used or new vehicles, Alphera Financial Solutions can grant you a loan with terms that are made specially to suit your current situation. You can choose between an instalment sale or Edge.
Information about instalment sale
Alphera Financial Services' instalment sale plan gives you a chance to drive that luxury car you’ve always wanted to drive. At the very end of your contract, you get to decide whether you keep, sell or trade in the vehicle you selected.
Balloon versus no balloon – This is when you’re given the option to choose to reduce your monthly instalment with an addition of a balloon, which is payable at the tail end of your contract. This means that complete ownership passes over to you at the end of your contract.
Optional deposit – You can trade in the vehicle you’re currently using, or you can place a deposit on your new contract. Again, you’re in the driver’s seat and get to decide on a deposit that makes sense to you - starting from 0%.
Flexible payment arrangement – You can customise your monthly payments by choosing one that works for you - starting from 12 to 72 months.
Fixed Rate option – You take on a fixed interest rate on your instalment sale contract agreement. With this option, you can bask in comfort and happiness with reduced risk and a consistent monthly payment throughout your contract.
Regardless of which option you select, you’re in complete control of your finances with vehicle finance from Alphera Financial Services.
Alphera – Vehicle Finance
- Loan Type Vehicle Finance
- Loan Amount from R50,000
- Repayment 12 months to 72 months
Benefits of Alphera
- Personalised car loans
- Choose between new & pre-owned cars
- Select your interest rate online
Vehicle Finance calculator
Basic requirements for vehicle finance with Alphera Financial Services
What kind of vehicles can be financed with Alphera Financial Services?
- Alphera Financial Services finances brand-new and pre-used cars and motorbikes, in accordance with the below criteria:
- The estimated car age at the end of the contract agreement shouldn’t exceed 12 years.
- The Gross Vehicle Mass (GVM) shouldn’t be greater than 4000 kg.
- The vehicle shouldn’t be registered as either a code 3 or 4 on the National Traffic Information System (NaTIS)What are Alphera Financial Services' qualification criteria?
Thinking of applying for an instalment sale finance from Alphera Financial Services? You can now make owning that dream sports car a reality. Completing the online vehicle finance application will take you roughly 20 minutes, and you’ll be notified of the status of your application immediately.
- You need to be a South African citizen, permanent resident or possess a valid work permit.
- You must be in possession of a valid South African driver’s license. Special conditions apply for applicants that hold international driver’s licenses.
- Provide proof of income.
- You need to have a clean credit record.
- You should earn a salary of at least R10 000 per month.
- The total amount that’s required to be financed should be greater than R50 000.
- At the end of the contract agreement, the vehicle’s age shouldn’t be greater than 12 years.
Alphera Financial Solutions' four steps to vehicle finance approval
- Qualification criteria
- Personal details
- Financial details
- Asset selection
Comprehensive cover that gives you inner peace
As a vehicle buyer, chances are you’re going to need insurance. Alphera offers a comprehensive cover that gives you inner peace. With this cover you get
- A great motor insurance package
- A claims service that is honest and fair
- Tailor-made products that factor into your personal needs
Check if you meet the below criteria to proceed further with your application:
- You shouldn’t be under 18 years of age.
- You shouldn’t be labelled as mentally unfit by a magistrate court.
- You’re not under an administration order.
- You shouldn’t possess any pending applications for debt review.
- Are not under sequestration.
- No pending credit applications or known quotations, as listed in Section 92 of the NCA (No. 34 of 2005).
Alphera Contact
Contact Number
Website
Physical Address
- 1 Bavaria Ave, Randjespark Midrand Gauteng 1685 South Africa
- Get Directions
Opening Hours
- not available