Rating based on 11 reviews


  • Car finance starting from R50,000
  • Affordable interest rates
  • Repayment up to 72 months

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Alphera homepage
Author Alphera. Screenshot of Alphera website.
[Accessed January 23, 2023]

About Alphera

Alphera offers finance products that will help you drive away in your dream car.

They were Established in 2001 and for part of the BMW Group.

With their wide range of experience and expertise, they know that they contribute positively to the market.

They also help buyers of other brands make the best choice when it comes to finance options.

Alphera is a leading provider of vehicle finance, with over 200 dealer partners nationwide. They appreciate simplicity, flexibility, and freedom and with them your dreams become a reality.

Why Alphera and no one else

Alphera offers financing for new and preowned vehicles.

They offer products that suit your financial needs and ensure that you are satisfied with the solutions they’ve come up with.

Alphera’s flexibility in action

Alphera offers a flexible instalment sale plan that is easy on your budget and gives you room to breathe.

  1. You choose the length of your contract from 12 -72 months
  2. Your monthly payments are based on the deposit amount you choose
  3. When you have kept to the agreed terms of the contract, you can drive away in a vehicle you own.

Alphera Services

This is what their fixed rates offer you: it allows you to budget with less worry because of the fixed monthly payments that you make.

There are also no rate increases while your contact is still active.

No cash on hand, no worries

Alphera now offers you the option to take out a 50:50 payment plan called Edge. With this payment option you can put down 50% of the car cost as a deposit, you will have lower monthly installments that you pay over a 36 month period and when the time comes you can either pay the other 50%, trade in your car or refinance it.

Protecting what is yours

When it rains, the first thing you do is make sure to have your umbrella opened so that you’re covered and don’t get rained wet, right? So why not do the same for your car?

Imagine driving down the coast on a beautiful summer day, a slight breeze blowing as you taste the salt in the air and gentle distant crashing of the waves.

That’s how Alphera wants you to feel when dealing with them. That the insurance and car loan service they’re offering you is that of a stress free environment.

So do the next best thing and fill in the online form, making the relevant enquiries and Alphera will get back to you as soon as possible, then your journey can begin.

Alphera – Car loan

  • Loan Type Car finance
  • Loan Amount from R50,000
  • Repayment 12 months to 72 months

Benefits of Alphera

  • New & pre-owned cars
  • Term up to 72 months
  • Innovative car loans

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Alphera, the smooth and best choice

 Alphera has a range of insurance plans that are suited just for you.

Alphera Comprehensive cover - This cover provides you with a great insurance package, claims services that are well researched and fair, as well as products that are chosen with you in mind. Alphera has made sure that what they have on offer will only put you at ease when it comes to choosing the best insurance packages.

Alphera credit protection - They offer to not only be a service but to stand with you in times of need. In the event of death, disability, critical illness, retrenchment or hospitalisation, Alphera has you covered. You can choose from the 3 options, which are:

  1. Death and total disability cover
  2. Death, total disability, critical illness, retrenchment and hospitalisation
  3. Financial aid to carry you through those unexpected financial struggles

Alphera top-up cover - This cover is designed to help you and protect you from finance house shortfalls, when your vehicle is stolen or written off, Aplhera will help settle the difference between your insurance and what you may still owe. There are three options

  1. Basic top up, Maximum benefit-R300 000 shortfall
  2. Top up, Maximum benefit-R300 000 shortfall, R6000 excess benefit in the event of a valid claim, supplementary cover included
  3. Deposit protector, deposit protection up to R100 000

Alphera care and cosmetic repair cover - Taking care of the outside of your car is just as important as looking after what's under the hood of the car as well as the inside of the car and that is why Alphera offers both interior and exterior cover for your vehicle. You choose the plan that suits your pocket and Alphera makes it happen. Alphera offers three plans, one that is specifically for the exterior of your vehicle, the second for the interior of your vehicle and the last option that includes both options at a reduced monthly premium. For a more detailed breakdown you can always log onto Alpheras site and have a look.

Alphera tyre cover -In order to get anywhere, you need the proper set of wheels and why not make sure they are protected. Well with Alphera you can get your tyres covered no problem. What does Alphera offer:

  1. Your regular and runflat tyres that will be covered
  2. If your tyre needs to be fitted they cover the cost up to R500 when fitted by a dealership that’s approved
  3. All 4 your tyres can be covered at any time
  4. An unlimited amount of claims on regular tyres limited to R45 000 per year
  5. Your tyres must be roadworthy and have the legal SA tread limit. Also tread is not included when you claim

Alphera Extended Warranty cover - This cover allows you to have access to all the necessary things that you may experience when it comes to owning a vehicle. Fortunately with Alphera extended warranty cover will ensure that mechanical issues are a lot more bearable with the options they provide. You will experience the following benefits:

  1. 24 month warranty extension
  2. There are waiting periods
  3. 42 major components are covered
  4. Cover is included when car is owned by someone else/you
  5. You also have access to roadside assistance

Customer Reviews & Testimonials

April 2020

So grateful for the cover I took out with Alphera, I made the best choice.

Danfred W
— Gauteng —

June 2020

I loved the service they offer, very impressed

Adam S
— Port Elizabeth —

March 2020

Everything they offer is suited to your pocket, it makes budgeting easy

Candice R
— Cape Town —

Alphera Contact

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