My Smart Drive
Everything Included
One monthly payment. Insurance, warranty, tracking, roadside assistance and annual servicing.
The smart way to get into the driving seat in 2026
Get Into the Driver’s Seat, The Smart Way
A payment you can manage. A plan that works differently.
Get behind the wheel of a quality pre-owned or brand-new vehicle without traditional bank finance.
With My Smart Drive, your monthly payment includes insurance, maintenance, warranty, tracking and roadside assistance, giving you a reliable car and peace of mind.
Why Pay More Than You Need To?
Traditional car finance isn't the only way to get behind the wheel.
My Smart Drive offers a flexible alternative to traditional vehicle ownership, designed to make driving a quality car simpler and more accessible.
One monthly payment. More included.
Comprehensive vehicle insurance
Full-service and maintenance plan
Mechanical & electrical warranty
24-hour roadside assistance
Vehicle tracking
Courtesy vehicle
Flexible vehicle options
Terms conditions and eligibility criteria apply.
Your Car. Your Choice. Your Drive.
From affordable everyday hatchbacks to SUVs, sedans and premium vehicles, choose to rent a car that suits your lifestyle and budget.
And with new vehicles now available, you can even drive away in a brand-new Toyota.
How My Smart Drive Works
Choose Your Car
Browse our range of quality pre-owned and brand-new vehicles and find the one that suits you.
Apply
Complete your application and provide the required documentation. We'll assess your application and help you find the right option.
Get Approved
Once approved, we'll finalise your agreement and get everything ready for you.
Drive Away
Get behind the wheel and enjoy the freedom of driving, with key vehicle costs taken care of through your My Smart Drive package
Don't Let Traditional Finance Hold You Back
My Smart Drive provides an alternative for qualifying South African drivers who want access to a vehicle without relying on conventional vehicle finance.
Whether you're looking for an affordable daily driver, a family SUV or something brand new, we'll help you find an option that works for you.
Brand-New Cars. Available.
Want the experience of driving a new car?
My Smart Drive now offers selected brand-new Toyota vehicles through flexible Rent-to-Buy options.
Choose from Brands including:
From R8,220 per month
What If Your Circumstances Change?
That's the flexibility of My Smart Drive.
Our agreements are designed differently from traditional vehicle finance. Depending on your agreement, you can change vehicles, continue driving your current vehicle or explore another option when your agreement allows.
Ready To Get Behind The Wheel?
Your next car could be closer than you think.
Tell us what you're looking for and our team will help you find a vehicle and payment option suited to your needs.
Apply today and take the first step towards driving your next car.
Frequently Asked Questions
Who can apply?
South African residents aged 21 or older with a valid, unendorsed driver's licence for at least two years can apply, subject to the applicable qualifying criteria.
Do I need traditional bank finance?
No. My Smart Drive is an alternative to traditional vehicle finance, subject to approval and the applicable agreement terms.
What documents do I need?
Typically, you'll need proof of income, proof of residence and a valid driver's licence.
How long is the agreement?
Depending on the product and vehicle, agreements can be structured differently. Speak to our team about the option that suits you.
What happens if I want a different car?
Depending on your agreement, you may be able to change to another vehicle from the available fleet, subject to the applicable terms and pricing.
Are insurance and maintenance included?
Many My Smart Drive packages include comprehensive insurance, maintenance, warranty, tracking and roadside assistance. Exact inclusions depend on the vehicle and agreement.
The Smart Way To Drive.
Quality cars. Flexible options. More included.
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