Privacy Policy
Last Updated: June 2026
Welcome to SA Motor Loans (samotorloans.co.za). We have been committed to helping South Africans navigate vehicle finance solutions safely and transparently since 2011.
Your privacy is exceptionally important to us, and this policy outlines how we collect, use, store, and protect your personal and financial information in strict compliance with the Protection of Personal Information Act (POPIA) of South Africa.
1. Information We Collect
To assess your affordability and process applications for alternative vehicle financing quickly, we collect specific personal and financial details, including:
- Identity Information: Name, surname, South African ID number, and copy of your driver's license.
- Contact Information: Email address, phone number, and physical or residential address.
- Financial Information: Income details, employment status, and bank statements or cash-flow histories to verify affordability.
- Digital Data: IP address, browser type, and cookies used to improve user experience on our website.
2. How We Use Your Information
We only use your personal data for legitimate business purposes necessary to serve you. This includes:
- Assessing your current financial affordability for vehicle matching.
- Processing pre-approvals within 24 to 48 hours.
- Communicating with you regarding your application, updates, or directly related queries.
- Ensuring compliance with legal and regulatory frameworks within South Africa.
3. Consent and Affordability Processing
By submitting your application via our online channels, you explicitly consent to SA Motor Loans processing your data.
Because our alternative vehicle models place an emphasis on affordability rather than traditional, restrictive credit scoring, your data is processed primarily to verify current income and stability.
4. Sharing of Information
We respect your privacy and do not sell or rent your personal information to third parties for marketing purposes. Your data is only shared under the following conditions:
- With our secure internal compliance team and trusted specialist finance partners required to fulfill your request.
- If legally forced to do so by South African authorities or courts of law.
5. Data Security and Retention
We deploy robust, modern security safeguards to ensure your data is protected against unauthorised access, alteration, disclosure, or destruction.
We only retain your personal data for as long as is necessary to complete the service requested or as required by South African financial record-keeping laws.
6. Your Legal Rights (POPIA)
Under POPIA, you retain full rights regarding your data. You have the right to:
- Request confirmation of whether we hold your personal details.
- Request a copy, correction, or destruction of your personal data from our systems.
- Object to the processing of your data at any time (though this may result in an inability to complete open applications).
7. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how your personal information is being managed, please feel free to reach out via our main platform controls.