What Car Can You Buy When Earning R7,500 Per Month in South Africa 2025?

Introduction

Everyone now desires to have a car, mainly for the convenience of moving from point A to B without the struggle of being cramped up on public transport. You may wonder what kind of car you can get when you earn around R7,500 per month that won’t dent your finances or drown you in debt.

We will discuss a variety of cars you can get in your budget, how to qualify for car finance, tips to budget for car expenses, and ways to make car ownership exciting.

Types of  Cars You Afford on R7,500 Per Month

If you want to buy a car that you can afford in South Africa then you need to spend 25 percent of your salary or less on any finance spent on a car.

• Your monthly car budget should be 25% of R7,500 which is R1,875
• An affordable loan you can get with a salary of R7,500 is between R100, 000 and R120 000 depending on how low the deposit and interest rate is.

Affordable Car Options in South Africa with Estimated Repayments

The following cars are affordable for someone with a salary of R7,500 in South Africa:

1. Suzuki S-Presso
   • Prices start from R162,900
   • Payment period of 72 months with 10.75% interest and no deposit. Monthly payment may be more or less than R2, 800
   • Fuel efficiency of 4.9L/100km
   • Benefits- Affordable and easily maintained
2. Renault Kwid
   • Approximate price from R174,999
   • 72 months, no deposit and 10,75% interest with a monthly payment of more or less than R2,800
   • Fuel efficiency of 4.7L/100km
   • Benefits: Stylish design, affordable to maintain
3. Hyundai Atos
   • Prices start from R179,900
   • A 72 months payment period with 10.75% interest at no deposit. More or less than R2,850 monthly payment
   • Fuel efficiency 5.7L/100km
   • Benefits: Reliable good after sales support
4. Datsun Go
   • Prices start from R184,800
   • Over 72 months at a 10.75% interest rate with no deposit with a monthly payment of more or less than R2,800
   • Fuel Efficiency of 5.0L/100km
   • Benefits: Affordable, practical, and suitable for everyday commuting.
5. Toyota Agya
   • Prices starting from R189,800
   •  72 months payment period at a 10.75% interest rate with no deposit. A monthly payment around R3,050
   • Fuel Efficiency of 4.8L/100km
   • Benefits: Trusted brand, excellent resale value, and low maintenance costs.

Tips to Qualify for Car Finance With A R7,500 salary in South Africa

Build Your Credit Score

Improve your credit score by paying your bills on time and taking care of outstanding loans because lenders check your credit score before considering your car finance.

Save for a Deposit

Increase your chances of approval by having at least 10-20% of the car’s value as a deposit. This also reduces your monthly payment.

Get Pre-Approval

Show initiative and get pre approved for car finance either from a bank or financial institution.

Stick to a Budget

Choose a car that you can afford to avoid drowning in debt.

Budget For Additional Costs

Prepare for additional payments like:

• Insurance Payments which normally costs between ±R700–R1,500 per month depending on the car and your profile.
• Fuel cost on a monthly or weekly basis will depend on your work commute distance or the amount of times you will be using it to run errands
• Budget for Maintenance: Service plans can cost ±R500–R800 per month.

Fun Tips to Make Car Ownership Exciting

• Treat your car like your second home and decorate according to your style with seat covers, ornamentals and your favorite scent.
• Join a car group that owns the same car as you and enjoy trips and networking
• Take a drive on your free days and explore South Africa and its historical places.

Conclusion

Earning a R7,500 salary in South Africa should not limit you when considering buying a car. As long as you stick to the budget and only use 25% of your salary for car purchase and its extra expenses then you will enjoy having a car to call your own. There are affordable cars listed above that will be the perfect option for first time buyers while also low maintenance. To have higher chances of your car financing being approved, make sure your credit score is perfect. Save up for a deposit to reduce the monthly repayment amount.