Vehicle Asset Finance — NCR Registered

Pawn Your Car.
Still Drive It.

Your car is paid off. Your cash is locked up. First Advance our Lend and Drive  product unlocks it in as little as 2 hours, no credit checks, no bank queues.

Cash in as little as 2 hours  •  No credit checks  •  Keep your keys

25 Years in asset lending
2hrs Typical cash release
0 Credit checks required
JHB + Pretoria coverage
The process

Three steps. No red tape.

We have stripped out every unnecessary step. From first contact to cash in your account, most clients are done the same day.

01
Contact

Reach out via WhatsApp or apply online. A consultant responds fast.

02
Assess

We evaluate your vehicle and confirm your loan amount on the spot.

03
Cash

Approved funds hit your account via EFT. Same day, in most cases.

Eligibility

Three requirements. That is all.

We work fast, but only with the right applicants. Confirm the following before you apply.

You are based in Johannesburg or Pretoria
Your vehicle is fully paid off with no outstanding finance
You can provide your full details when requested
Confirm eligibility on WhatsApp
Client results

What our clients say.

My house was about to be repossessed. First Advance gave me the time I needed to negotiate with the bank. I am a qualified attorney and I could not have navigated that without them.

Joanne McBride — Family and Civil Attorney

The cost of finishing my house was too much. Getting a loan against my property helped me move in without paying rent elsewhere.

Malcolm Chetty — Fibre Optic Cable Specialist
Why First Advance

25 years in asset lending. That is not a line.

We do not operate like a bank. We move faster, we are more flexible, and we understand that your situation is urgent.

Speed

Cash in as little as 2 hours of approval.

Privacy

Your transaction stays between you and us.

No credit dependency

Your asset qualifies you, not your credit score.

Flexible structures

Tailored to your situation. Early settlement available.

FAQ

Common questions.

How fast can I get the money? +
In most cases, funds are released within 2 hours of approval for vehicle loans.
Do I need a good credit score? +
No. Your vehicle is the qualifying asset, not your credit profile.
Can I still drive my car? +
Yes. That is the core of the Lend and Drive solution. Your car stays on the road while your cash hits your account.
What vehicles qualify? +
Cars, bakkies, trucks, motorcycles, and selected commercial vehicles.
How is my loan amount calculated? +
Based on your vehicle's current market value and condition, assessed on the spot.
Can I repay early? +
Yes. Early settlement is available after the first month, with pro-rata interest.

Your vehicle is paid off.
Your cash is not.

The process is fast. The requirements are simple. The money moves the same day.

First Advance — Vehicle Asset Finance — Johannesburg, South Africa

25 years in asset lending. NCR Registered. Head office in Johannesburg.