FINANCE
SOLUTIONS.
Comprehensive home and vehicle finance solutions for South Africans. We compare rates from 8+ lenders to secure your best deal.
Rates from
Prime -1%
Max term
30 years
YOUR BOND,
OUR EXPERTISE.
Ronvus Group Inc is an authorised financial services provider (FSP) specialising in residential mortgage origination. We submit simultaneously to all major South African banks and negotiate on your behalf — at no cost to you.
We assess your affordability based on gross monthly income, existing debt, and credit profile. This takes 15 minutes online and gives you a realistic budget range before you start property hunting.
Required: 3 months payslips, 3 months bank statements, copy of ID, proof of residence (not older than 3 months). Self-employed clients require 2 years financial statements and 6 months bank statements.
We simultaneously submit your application to FNB, ABSA, Standard Bank, Nedbank, SA Home Loans, and Investec. This maximises your approval chances and gives us leverage to negotiate the best rate.
Once offers come in (typically within 24–48hrs), we negotiate on your behalf. We have established relationships with bank credit managers that allow us to push for prime minus rates.
We coordinate with your chosen conveyancing attorney to ensure a smooth transfer process. Average registration time: 6–8 weeks from acceptance of offer to purchase.
Required Documents
DRIVE MORE,
PAY LESS.
We structure your vehicle finance to minimise monthly repayments while maximising the vehicle you can afford. Balloon payments, residual values, and comprehensive insurance — all in one application.
New Vehicles
From any franchised dealer
Pre-owned
Up to 10 years old
Motorbikes
All registered dealers
Commercial
Bakkies & light commercial
Choose your vehicle from any registered dealer in South Africa. We work with all franchise dealers (BMW, Toyota, VW, etc.) and reputable used car dealers. Get a written quote from the dealer.
We calculate your maximum qualifying amount based on net take-home pay, existing debt obligations, and the NCA debt-to-income ratio. Most applicants qualify for 25–35% of net income as a vehicle repayment.
We submit to WesBank, Absa Vehicle Finance, FNB Vehicle Finance, Nedbank Vehicle Finance, and Standard Bank Vehicle Finance simultaneously. MFC (Nedbank) is typically the most competitive for used vehicles.
Optional balloon payments (up to 35% of vehicle value) reduce monthly instalments significantly. We model different scenarios so you can choose the structure that best fits your cash flow.
Comprehensive insurance is mandatory for financed vehicles. We can source competitive quotes through our insurance partners. Once finance is approved, the dealer arranges delivery or collection.
Terms up to
72 months
Balloon up to
35 %
Required Documents
START YOUR APPLICATION.
Complete this form and one of our consultants will contact you within 2 business hours — no obligation, no credit checks at this stage.