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Asset-Backed Lending

Loan Against Vehicle.

Borrow against your vehicle or moveable asset. We take full physical custody for the loan duration — stored securely, insured, and returned in the same condition upon settlement.

Minimum R50,000
Decision Same day
Terms 1–12 months
Rates & Terms

Loan-to-Value & Terms

Type Max LTV Typical Term Min Amount
Passenger Vehicles 60% 1–12 months R50,000
Commercial Vehicles 55% 1–12 months R50,000
Jewellery & Watches 50% 1–6 months R50,000
Fine Art & Collectibles 40% 1–6 months R50,000

LTV figures are indicative. Final loan-to-value is subject to independent valuation and credit assessment. Interest is serviced monthly; capital repaid at term end.

Eligibility

Registered business entity or Individuals

Loans are made to companies, close corporations or individuals. If to a company, the applicant must be a director or beneficial owner.

01

Registered Business Entity

Loans are made to companies, close corporations or trusts. The applicant must be a director or beneficial owner.

02

Unencumbered Asset

The vehicle or moveable must be free of existing finance and registered in the applicant entity's name or director's name.

03

Verifiable Market Value

The asset must have a current, verifiable market value that supports the loan amount requested.

04

Clear Exit Strategy

A credible plan to repay capital at maturity — business income, asset sale or other identified source.

Questions

Frequently Asked Questions

Can I keep using my vehicle while the loan is active? +
No. We take full physical custody of the vehicle for the entire duration of the loan. It is stored in a professionally managed, fully insured secure facility and returned in the same condition upon full settlement.
How is my vehicle valued? +
We use current verified market value — typically TransUnion or live market comparables. You will receive a written offer before committing.
Is my vehicle insured while in your care? +
Yes. All assets are held in a professionally managed, monitored and fully insured facility for the entire loan duration.
Can I repay early? +
Yes, at any time without penalty. Your vehicle is returned immediately upon full settlement.
What vehicles do you accept? +
Passenger cars, SUVs, luxury vehicles, commercial vehicles, trucks and vans. The vehicle must be registered, roadworthy and free of any existing finance.
What happens if I cannot repay? +
We always prefer to work constructively with clients. If you anticipate difficulty, contact us immediately. In the event of default, the asset is realised to recover the outstanding amount through due legal process.
Client Feedback

What our clients say

"

I want to say a very big thank you for all your help when I really needed it. I so appreciate it and will recommend you to everyone I know.

Miss N.B.
Client, Stilbaai
"

I am going to miss you guys and your efficiency — it is hard to find. Thank you Assetline, I appreciate your help and kindness when I needed it most.

Mrs S.M.
Bridging Finance Client, Lonehill
Apply

Ready to apply for a vehicle loan?

Same-day response. No application fee. Your asset is in safe hands.

Start Quick Application Full Application Form

Or call us: 010 595 1050