UNDERSTANDING RENT TO OWN
Rent-to-own (RTO) is a financing arrangement where a customer rents an asset—such as a car, home, or appliance—with the option (or obligation) to purchase it after a certain period.
Instead of paying the full price upfront, the customer makes regular rental payments, which contributes toward the final purchase price.
Frequently Asked Questions
A rent-to-own vehicle arrangement allows you to rent a car with the option to purchase it after a specified period. A portion of your rental payments may contribute toward the vehicle’s purchase price.
You make regular rental payment bi-weekly or monthly to Tamarohn. These payments may partially apply toward the car’s purchase price. Once all payments are made as per the agreement, ownership of the vehicle transfers to you.
No, Our rent-to-own program often caters to individuals with poor or no credit history and usually do not require a credit check. Instead, we assess your income and employment stability.
No our Installments are fixed and include insurance, service and a tracker, however the installment increases every year by 6.5%
Missing a payment may result in late fees and could lead to repossession of the vehicle. It’s crucial to understand the payment terms and ensure timely payments to avoid penalties.
Yes you can and you will forfeit any payments made toward ownership and incur an additional termination fee.
While both involve making regular payments, rent-to-own agreements typically lead to ownership at the end of the term without a large final payment. Traditional leases often have lower monthly payments but may require a significant payment to purchase the vehicle at the end of the lease.
No we are a credit provider.
Those are the only vehicles we specialize in.
Yes, you can.
After the completion of your 84-month contract, the vehicle is transferred to you at no additional cost, as long as all your payments are up to date.
The process of getting a car from Tamarohn follows a structured rent-to-own model, designed for individuals in South Africa, including those with bad credit or no credit history. Here’s how it works:
Step 1: Browse Available Vehicles
Tamarohn offers a preselected catalog of brand-new vehicles for customers to choose from.
These vehicles are carefully chosen for affordability, reliability, and suitability for long-term ownership.
Step 2: Submit an Application
Customers complete an application form, providing:
✅ Proof of identity (South African ID or valid passport)
✅ Proof of income (payslips or bank statements)
✅ Proof of residence
✅ Affordability assessment (to ensure monthly payments are manageable)
Step 3: Application Approval & Deposit Payment
Tamarohn assesses the application based on affordability rather than credit score.
Once approved, the customer pays a deposit along with any necessary fees.
Step 4: Vehicle Acquisition & Delivery
Tamarohn purchases the vehicle on behalf of the customer.
The vehicle is then delivered or made available for collection.
Step 5: Rent-to-Own Agreement
Customers sign a fixed 84-month rental agreement, agreeing to make affordable monthly payments.
Throughout this period, the customer is responsible for:
✅ Monthly rental payments
✅ Vehicle insurance
✅ Maintenance & running costs
Step 6: Ownership Transfer After 84 Months
Once all 84 monthly payments are completed, ownership of the vehicle is transferred to the customer at no additional cost.
Unlike traditional financing, there is no final balloon payment—the car becomes fully yours.
This is because our deposits are not guaranteed beyond a certain point, it would be inconvenient for you to apply under a deposit promotion, only to come back a month later and see that the deposit has changed.
We are not a dealership and do not deal in used or later model vehicles.
Our business model is structured in a way that allows us to only purchase specific vehicles for contracted clients, with valid purchase contracts, this allows us to avoid making a loss by stockpiling unsold vehicles.
Yes you can?.
Our Catalog has specific vehicles , including a make and model, to test drive a model of the listed vehicle you can visit your nearest dealership that sells that brand.
After your contract has been signed and purchase deposit paid it takes us about 48 business hours to procure the vehicle, we usually prefer to purchase at vehicle in the same province as the client, this makes it easier to register the vehicle in that province.
Once the aforementioned process is complete, you can choose either a free delivery, collection at our offices or at a designated dealership, where the vehicle will be purchased.