The Smarter Alternative to Bank Finance
A 24 months vehicle subscription with comprehensive cover and an option to buy at any point. For South Africans who have been managing their accounts but can’t access traditional finance.
What is Kichose Flow?
Kichose Flow is a 24 months vehicle subscription that makes it easier for more South Africans to get behind the wheel. It is an intelligent alternative to traditional bank finance and instalment sale agreements, designed specifically for the 15% of South Africans who were pushed out of traditional vehicle finance when the NCR tightened credit scoring in 2015.
With Kichose Flow, you enjoy the benefits of driving without long-term debt or unexpected costs. One monthly payment covers your vehicle, comprehensive insurance, mechanical and electrical warranty, vehicle tracking, and 24/7 roadside assistance.
You also have the option to purchase your vehicle at any point during your subscription. And if your lifestyle changes, you can switch to upgrade or downgrade your vehicle.
What's included
In your monthly payment?
Included:
- Comprehensive vehicle insurance
- Mechanical and electrical warranty
- Vehicle tracking
- 24/7 roadside assistance
Not Included:
- Vehicle maintenance and servicing this remains your responsibility. We state this clearly so there are no surprises.
Who Qualifies
for Kichose Flow?
Requirements:
- Gross monthly income of R15,000 or more
- Valid South African ID
- Valid South African driver's licence (Not a learner's licence)
- Payslip, or 3–6 months bank statements (if self-employed or earning commission)
- Currently paying your open accounts
We consider clients under Debt Counselling, provided accounts are being paid. We may approve up to 50% of gross income. We do not use a simple credit score pass/fail, we assess each case individually based on your payment conduct and account history.
Personal use only:
- Kichose Flow vehicles are for personal use only, not commercial or Uber use.
What's included
In your monthly payment?
Included:
- Comprehensive vehicle insurance
- Mechanical and electrical warranty
- Vehicle tracking
- 24/7 roadside assistance
Not Included:
- Vehicle maintenance and servicing this remains your responsibility. We state this clearly so there are no surprises.
Who Qualifies
for Kichose Flow?
Requirements:
- Gross monthly income of R15,000 or more
- Valid South African ID
- Valid South African driver's licence (Not a learner's licence)
- Payslip, or 3–6 months bank statements (if self-employed or earning commission)
- Currently paying your open accounts
We consider clients under Debt Counselling, provided accounts are being paid. We may approve up to 50% of gross income. We do not use a simple credit score pass/fail, we assess each case individually based on your payment conduct and account history.
Personal use only:
- Kichose Flow vehicles are for personal use only, not commercial or Uber use.
Frequently Asked Questions (FAQ)
You have the option to purchase the vehicle at any point during your subscription. It is not an automatic purchase at the end, it is your choice, when you are ready.
Yes. You can switch to upgrade or downgrade your vehicle as your lifestyle changes. Ask us about the process when you apply.
Kichose Flow is specifically designed for clients who do not qualify for traditional bank finance. We assess your application individually, a bank decline does not mean a Kichose Flow decline.
We consider clients under Debt Counselling, provided your accounts are being paid. Apply and let our team assess your specific situation.
Absolutely. We accept 3–6 months of bank statements in place of a payslip for self-employed applicants, commission earners, and business owners. Your income is real; we just need to see it reflected in your banking history.
No deposit – Kichose Flow requires an Initial Rental, paid before vehicle delivery. This amount will be confirmed when your application is processed.
Our team assesses applications as quickly as possible. If all your documents are submitted at the same time, approval can happen in as little as 20 minutes.
2,500 km per month (30,000 km per year). Quarterly vehicle inspections are conducted to keep everything in check.
No. Kichose Flow vehicles are for personal use only.
Your warranty covers major mechanical and electrical components. Wear-and-tear and damage caused by negligence are not covered.
Speak to us early. Kichose Flow is a 24-month contract; early exit is possible. We’d always rather find a solution with you than create a bigger problem
We do look at your credit profile, but we assess it differently from a bank. We focus on how you have been managing your accounts, not the number your score shows. A low score does not automatically disqualify you if your payment conduct tells a positive story
Kichose Flow is a 24 months vehicle subscription. Monthly payment includes:
- Comprehensive Insurance
- Mechanical & Electrical Warranty
- Vehicle Tracking
- Roadside Assistance.
Maintenance and wear-and-tear are excluded.
Trading Hours:
Monday – Friday | 08:00 – 17:00
Saturday | 09:00 – 13:00
Sunday & Public Holidays | Closed
Trading Hours:
Monday – Friday | 08:00 – 17:00
Saturday | 09:00 – 13:00
Sunday & Public Holidays | Closed
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