Pawn Your Truck

Do you own a light or medium-duty truck? If you need cash to see you through a tough spot, you can use the truck to secure a short-term, asset-based loan.

You can get the money you need straight away, without having to sell your truck.

How to pawn your truck

To get a loan against your truck, simply contact us and tell us the make, model, year and mileage of the vehicle.

Note that there can’t be any debt outstanding on the truck and it must be under your name for it to qualify as collateral for a loan.

If you choose to accept the offer, we’ll arrange a meeting, where we’ll ask to see the original truck registration documents, which must be in your name; your ID book; and proof of address. We’ll inspect the truck and, if all is in order, finalise an agreement.

Then we’ll transfer the funds into your account straight away.

Advantages of pawning your truck

Getting a loan against a truck or another paid-up vehicle in your name has a number of potential advantages over other types of loans.

At Pawn My Car, we don’t base our loan decisions on guesswork, credit ratings or your debt history. Instead our approach is far more straightforward. The value of your truck determines the loan we offer.

There are no credit checks, no invasive questions and no delays.

You can expect to have the money you need in your account almost straight away – and once you’ve repaid the loan with the agreed interest, your truck will be returned to you in the same condition you left it.

A further advantage is that pawning your truck with us is completely confidential. We don’t supply credit bureaus, financial institutions or anyone else with information about the transaction, which is purely between you and us.

Once you’ve submitted:
  1. Our representative will call you
  2. Bring your vehicle in for a value confirmation
  3. Ensure the documentation is correct
  4. Read, complete and if happy, sign the agreement
  5. Funds are transferred into your bank account.

Contact us

“InkonZo eZothile enobuhlobo. Great service. Friendly staff. I will definitely use you guys again when I need to - Amos K”
“Running a construction business creates cashflow challenges. PMC was quick and simple. - Mark”
“Thank you Pawn My Car. You saved my month - Eric”
“They helped me fund my business - Karen”
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Pawn My Car is a division of Lamna Financial Services, which is registered with
both the NCR (National Credit Regulator) and FSB (Financial Services Board).

Call us for more information on 0861 112 866

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APR & Loan period

Fixed rates range from 36% to 60% APR and payment options range from minimum 3 to maximum 24 months. Apart from the initiation and monthly fees shown below, the only additional fee is credit life insurance if the borrower does not have this already.


All accounts may be renewed if they are up to date.


All payments are made via EFT or direct deposits into Lamna’s bank account. There are no debit orders.


Non-payments may result in the matters being escalated.

Illustrative example

Client borrows R10,000 for 90 days.

Repayment Period
Monthly Repayment
Total Cost of Loan
Monthly Fee
(Interest + Service Charge)
Loan Amount


Repayment Period

3 months

Monthly Repayment


Total Cost of Loan


Initiation Fee


Monthly Fee (Interest + Service Charge)