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1Your Details
2Vehicle Details
3Finance Details
4Your Quote
Your Details
+263
Vehicle Details
Finance Details
Monthly payment
β
Payable on signing
β
Amount financed
β
First instalment due
β
Set by the deposit policy for the vehicle condition β the least that must be paid on signing.
Over and above the minimum deposit required β increasing it lowers the monthly instalment.
Minimum deposit plus any additional deposit.
Upfront costs are quoted separately from monthly payments.
π± Quotation summary β figures shown are indicative and confirmed in writing on application. Statutory and recurring amounts are set by your company in Settings.
Monthly payment
β
Payable on signing
β
Amount financed
β
First instalment due
β
Quotation Summary
Payable on Signing (separate from monthly)
Monthly Payment Build-up (month 1)
Instalment Schedule
#
Due date
Instalment
Admin
Life
Tracking
Ins/Lic
Total
Equalised
Balance
Are you qualifying for hire purchase and able to pay the instalments?
If yes β save your quote to get a quote number, then click Apply to complete the
online application. Have your driver's licence ready (photo upload or camera).
Invarium Financial Services
Hire Purchase β Quotation Β· "IFS" refers to Invarium Financial Services (Private) Limited
Indicative Instalment Schedule
#
Due date
Payment
Balance
This quotation is an indication only β final binding figures will be
confirmed by Invarium Financial Services upon approval. The HP application fee, establishment
fee, handling fee and monthly admin fee are inclusive of VAT at the prevailing rate; life cover
does not attract VAT. The vehicle cash price is inclusive of VAT. Comprehensive insurance is
charged on the value of the vehicle and renews at the prevailing rate. Instalments fall due on
the same day of each month as the grant date; where a month has fewer days, on the last day of
that month. Upfront and statutory costs (ZINARA, ZBC, stamp duty, taxes, tracking installation,
change of ownership) are for the buyer's account and are payable separately from the monthly
instalments. In the event of default, IFS reserves the right to repossess the asset in accordance
with the Hire-Purchase Act. All applications are subject to credit assessment and vehicle
inspection. E&OE.
Quick Estimate
Enter the cost of the car and choose a term for a rough monthly estimate. The deposit is applied automatically from the preset policy. Figures are indicative and confirmed on a full quote.
Enter the cost of the car above to see an estimate.
Please confirm a change to your application
The change will only take effect once you confirm. If it isn't what you agreed, choose Decline and we'll be in touch.
1Personal Details
2Income Details
3Vehicle & Finance
4Financial Details
5Review & Submit
HP Application β no quote selected
1. APPLICANT TYPE2. PERSONAL INFORMATION
Your photo *
3. IDENTITY VERIFICATION
Upload a certified copy of your National ID. The certification must be valid and not more than 3 months old.
Drag & drop file here or Browse Files
Accepted formats: PDF, JPG, PNG | Max size: 10 MB
Upload a clear copy of your driver's licence.
Drag & drop file here or Browse Files
Accepted formats: PDF, JPG, PNG | Max size: 10 MB
Additional licence & tax details
Very large files? Email them to your IFS branch quoting your application number.
4. CONTACT DETAILS
Use for:
Use for:
5. RESIDENTIAL INFORMATION
Current address
Proof of Residence *
Upload one of the following: Utility Bill, Lease Agreement, Bank Statement, Employer Letter, or other accepted proof of residence.
Drag & drop file here or Browse Files
Accepted formats: PDF, JPG, PNG | Max size: 10 MB
Previous addresses
Defaults to 0 (no previous address). Enter how many previous addresses you have had.
6. NEXT OF KIN
GUARANTOR DETAILS
A guarantor is required for this application because the credit assessment fell below the minimum rating. Please provide the guarantor's details and documents below.
Guarantor ID document
Guarantor proof of residence
Guarantor additional documents
Attach any other documents that support the guarantor, e.g. bank statements, payslips or an employment letter.
Income Details Please provide details of your employment and income.
π’1. Employment Information
$2. Income
USD
0/300
π€3. Employer Verification
π4. Required Documents
π Latest Payslip *
Upload last payslip
π Employer Letter *
Employer letter on company letterhead
π Proof of Income *
Self-employed: upload proof of income (e.g. financial statements, invoices, contracts or a tax return)
π Letter of Association / Reference *
Self-employed: attach a reference letter from a customer, supplier, partner or association.
ποΈ5. Registered Entity (if applicable)
Income Details Please provide details of your business and income.
π 1. Business Information
π 2. Business History
Add details of any other businesses that contribute to your income.
$3. Income Information
USD
USD
USD
0/400
π₯4. Business Associations (Optional)
Add details of your suppliers, customers, partners, professional bodies or industry associations.
You can add as many associations as you wish.
π5. Supporting Evidence of Income *
Upload any documents that help us understand and verify your business income. You may upload as many documents as you wish.
β¬
Add Document
Drag and drop files here or click to browse
Bank Statements
Cashbooks
Invoice Books
Receipt Books
Sales Records
Financial Statements
Tax Returns
Contracts
Mobile Money Statements
POS Reports
Supplier Statements
Purchase Orders
Customer Statements
Other Supporting Documents
π1. Banking Details
Provide your banking details. This will be used for communication and repayments.
Mobile money wallets (optional β add as many as apply)
π2. Current Financial Commitments
Tell us about any existing financial commitments you have.
π§Ύ3. Estimated Monthly Living Expenses
Please include all regular household expenses, excluding any financial commitments declared above.
USD
Examples include:
π Rent or mortgageπ‘ Utilities (electricity, water, etc.)π Groceriesβ½ Transport / Fuelπ School feesβ Medical expensesπ Other regular household expenses
β Please exclude any financial commitments (loans, credit cards, hire purchase, etc.) already declared above.
πͺ4. Financial Dependants
Tell us about your financial dependants.
Include children, elderly parents or any other dependants who rely on you financially.
π1. Vehicle Details
Provide details of the vehicle you wish to purchase.
Vehicles can only be selected from a registered dealership's catalogue.
USD
π¦2. Finance Details
Tell us how you would like to finance your purchase.
Vehicle Condition: Used30% minimum deposit
Purchase Price
USD 0.00
Minimum Deposit Required β
USD 0.00(30%)
USD
Purchase Price
USD 0.00
β
Deposit
USD 0.00
=
Amount Financed
USD 0.00
Est. Monthly Instalment β
USD 0.00
Vehicle Proforma*(from the dealer)
π‘3. Insurance & Driver Details
All financed vehicles are comprehensively insured through Invarium Insurance.
3.1 Vehicle Usage
3.2 Driving History
3.3 Driver Information
π
0 drivers added
Primary Driver: Applicant
Declaration & Submit
βDeclaration
Please read and confirm each of the following before you submit.
All three confirmations are required to submit your application.
Declaration confirmed above.
Please read and confirm all three declarations above before submitting.
Invarium Financial Services
HP Application Summary
Quoted Repayment Schedule
#
Due date
Payment
Balance
Application received subject to credit assessment, KYC verification and vehicle
inspection. This is a copy of the information submitted and does not constitute an offer of finance.
Final binding figures will be confirmed by Invarium Financial Services (Private) Limited.
Hire Purchase Terms & Conditions
Please read these terms carefully. They govern the Motor Vehicle Hire-Purchase Agreement you are applying for. A full agreement is prepared for signature once your application is approved.
1. Sale and ownership
The vehicle is sold on hire-purchase terms. The Seller remains the owner of the vehicle until the full hire-purchase price and all other amounts due under the agreement have been paid in full. Until then you hold the vehicle as bailee and must take proper care of it.
2. Payment
You pay an initial deposit on signing, followed by equal monthly instalments in advance, together with the upfront and recurring charges (establishment fee, insurance, statutory licences, tracking installation and subscription). Payments must be made in United States Dollars unless otherwise agreed in writing. Late instalments attract a finance charge on the overdue amount at the rate stated in the agreement.
3. Insurance and tracking
Comprehensive insurance and credit-life cover are mandatory for the life of the agreement, with the vehicle insured in the Seller's name. You agree to the fitting of a tracking device and immobiliser, to pay the installation and subscription costs, and not to remove them or take the vehicle out of Zimbabwe without the Seller's prior written consent.
4. Use and maintenance
You must keep the vehicle in good working condition, use it only for the agreed purpose, and not sell, hire, pledge or modify it without the Seller's written consent. Taxes, licences and substantial repairs (through a Seller-approved garage) are for your account.
5. Default and repossession
If you breach the agreement, the Seller may exercise all lawful remedies, including recovery of possession, strictly in accordance with the Hire Purchase Act [Chapter 14:09]. On default you may be liable for arrears, applicable default charges, daily hire charges, and the reasonable costs of recovery, storage and preservation of the vehicle.
6. Termination
You may terminate on at least thirty (30) days' written notice and by returning the vehicle at your expense; your liability on early termination is limited as set out in the agreement and the Hire Purchase Act. If the vehicle is lost or destroyed you must make good the Seller's loss, less any insurance proceeds received.
7. Completion and change of ownership
Ownership passes to you once the full purchase price and all other monies are paid. The Seller will then assist with the change of ownership; the associated costs are for your account.
8. General
No variation is valid unless in writing and signed by both parties. The agreement is governed by the laws of Zimbabwe, with disputes referred to the Magistrates Court (Civil Division) or High Court (Commercial Division), Harare, according to jurisdiction. If any provision is found invalid, the remaining provisions continue in force.
All saved quotes and applications live here in the portal's shared database β
this is your follow-up list. QUOTED = has not applied yet (chase by email/WhatsApp/call).
View opens the full quote for checking/printing; Approve (MD/FM/Admin) grants the hire purchase,
assigns a Deal number and locks the schedule for receipting and journals.
Receipting
The payment credits the client account. Anything already due or overdue is settled
on the spot (oldest first); the rest is held as credit and applied automatically as future
instalments fall due. The cashier does not allocate to instalments.
Pick a payment type, find the client (for account payments),
enter the amount and post. A printable receipt opens and a copy is sent to the client.
#
Due
Payable
Paid
Balance
Status
Read-only. "Paid" instalments were settled automatically from the
client's credit on their due date. Payments are captured on the Receipting tab.
Reports & Exports
Invoice 1: vehicle + total finance charges Β·
Invoice 2: upfront costs β for manual import now, API later.
Default Notice: statutory demand under the Hire-Purchase Act [Chapter 14:09] for a facility in arrears.
One PDF per facility, one combined print run β for branch-wide or province client statement mailouts.
Preview
Recovery & Repossession
HP-Act-compliant recovery worklist for facilities on the book. Buckets are driven by days past due (DPD) on the schedule.
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π¬ Your account assistant
Ask about your quote, application or payments. To see details of your own application, I'll verify you with your reference number and the email or mobile you registered with β a one-time code is sent to that contact.
π¬ AI Assist β help desk
Ask AI Assist how to use the system, or look up a live record β a deal by reference, an account's arrears or next payment, or a portfolio total. Every figure is read from the account itself, and lookups follow your access. Powered by Claude when an API key is set (Settings β Email/WhatsApp/SMS & AI); otherwise AI Assist answers from the built-in guide.
Try: "how do I create a quote" Β· "arrears on <reference>" Β· "how many accounts are in arrears" Β· "which deals are awaiting handover".
Quick start
Quote β Get a Quote β client, vehicle, price & term β Save. The instalment shows on the right.
Apply β Apply carries the quote in β complete the sections β Review & Submit (the client gets a one-time code).
Approve β Pipeline β open the deal; it moves up the approval chain to the MD.
Offer & sign β View Letter of Offer β client signs on the tablet β handover once paid & released.
Receipt β Receipting β capture payments against instalments.
Open in a new tab; printable. All guides live in the Guides folder of your install. (browse all)
Administrator / technical
Install β one pip line + Tesseract for OCR (INSTALL_AND_SETUP.txt).
2FA β mandatory for staff; the QR needs the segno library (2FA_SETUP_NOTE.txt).
Messaging β set SMTP / WhatsApp / SMS in Settings to enable real sending.
AI Assist β add an Anthropic API key in Settings to power AI Assist with Claude.
Backups β keep a nightly copy of the database. A transactions-only clear (keeping settings) is run by the database administrator using the supplied SQL script.
Back office
Operations hub β facility tasks, collections, accounting exports and messaging in one place.
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Facility back-office tasks
Restructure / Settlement, the final disbursement Release sign-off, the
Vehicle Handover Sheet, the Statutory invoice (ZWG), Confirm Supplier Paid
and Vehicle Service Tracking are handled here.
1 Find the contract
or enter the deal number directly
2 Choose a task
Operations
Collections & reminders
Accounting exports (Klipboard / Palladium)
Compliance & audit
Penalty finance charge
Rate, grace period and on/off switch are in Settings β
βPenalty finance charge on overdue accountsβ. Charged automatically once a day; use the button below to run it
on demand (e.g. after changing the rate).
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Users & Roles
Username
Name
Role
Email
Status
Actions
Add user
New users get a one-time invite code; the invite email opens in
your mail app. On first login they enter the code as their password and are forced to set
their own. In the hosted version, invite and login-alert emails send automatically.
Every login and key action is recorded here. The hosted version also emails the
Administrator a notification on each staff login.
My Security β Two-factor authentication
Two-factor adds a 6-digit code from an app (e.g. Zoho OneAuth) at login.
Edit user β
Settings /Company Profile
Business
Company Profile β your business details & logo
These details brand every document your customers receive (quotations,
receipts, applications, contracts, statements). The ECB logo stays on the portal and manuals only.
Receiving bank accounts (printed on every contract)
Add all the company accounts customers may pay into. These appear on the agreement.
Mobile money options
Business
Rates (push to all users) β Admin & MD only
IFS selling price & cost-of-credit cap
The markup is applied to the entered dealer price to give the IFS selling price β the price of the vehicle to all buyers (cash and finance alike), not a finance-only charge. Every quote discloses the effective all-in cost of credit and is checked against the cap below.
RBZ mid-rate is entered manually here (and per quote on the quote screen). There is no automatic
daily fetch. Each change to the rate above is recorded in the auditable register below β who set it, when and the rate used.
RBZ / ZWG mid-rate register
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Business
Financed amount limits
A quote outside these limits is flagged on the quote screen. End-users (not logged in) use the public maximum; logged-in staff use the staff maximum (0 means unlimited).
Business
Credit & guarantor
Applications outside this age range are a hard stop on the public application (the Personal Details step and submit are both blocked).
During Preliminary Vetting the sales officer enters the FCB/CRB rating. If it is below this minimum, the application is flagged as requiring a guarantor: the guarantor section then appears on the application form (on reopen) and guarantor details/documents are required before hand-off to Credit Analysis. When the v7 credit score returns Amber (REVIEW), the cure follows the policy above: with require guarantor = Yes the client is sent a guarantor link and the deal is held; with No, the amber deal proceeds to Credit Analysis with an audit note for the Credit Manager β it is not treated as a pass. The additional-deposit cure engages only when the guarantor cure is off: on an amber score the system computes the smallest deposit top-up that would lift the score to green, emails/SMSs the client a link to agree to it, and holds the deal; once they confirm, it drops back to the Sales Officer to re-quote and recompute β the hold clears when the amber does. If no deposit can clear the amber, the deal proceeds with the same audit note.
Business
Industry risk classifier
Classify each Employer Industry as Low-risk or High-risk β this drives the Industry factor in the v7 credit score. Add your own industries; every industry listed here also becomes selectable in the Employer Industry dropdown on the application form. Nothing is hardcoded.
Update, Add and Remove each save and push to clients immediately.
Business
Income Nature β stability classifier
Map each Nature of Income option to an income-stability band (Stable or Irregular) β this drives the Income Stability factor in the v7 credit score (the points each band earns are set in the Scoring Engine editor). Tag each option for Employed, Self-employed or Both; it becomes selectable in the matching Nature of Income dropdown on the application form. Anything not listed here is treated as unmapped and flagged rather than scored. Nothing is hardcoded.
Update, Add and Remove each save and push to clients immediately.
Business
Scoring Engine β v7 model editor
Retune the Invarium 5-Cs credit model: segment & factor weights, the points each rating band earns, the decision bands (grade thresholds), and the hard knock-out rules. Changes are saved as an override and take effect on the next score/recompute. Every save is kept as a numbered version with a summary of what changed — you can restore any earlier version (including the built-in v7 default) from the history at the bottom of this panel. Weight groups should each total 1.00 (shown live).
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Business
Penalty finance charge on overdue accounts
Charged automatically at end-of-day, daily, on top of the normal finance charge, on any instalment
still overdue once the grace period has lapsed. Posted to a penalty ledger per facility, emailed to Accounts and
exported as XML for Klipboard posting β see Back Office β Penalty finance charge.
Business
Vehicle service follow-up
The financed vehicle must be serviced every interval below. The system reminds the assigned
sales officer by email to confirm with the client that the vehicle has been serviced, for as long as the
facility is on the book β see the Vehicle Service Tracking panel on each Hire Purchase facility.
Business
Business rules
Insurance providers
The list the Insurance Officer (and vehicle-handover capture) picks from. Choose one as the default β it is pre-selected on the Insurance section.
Controls the row of Finance/Admin/Establishment/ZINARA/ZBC/Life-cover pills on the customer Finance step of the quote. Staff always see the full breakdown on the pipeline.
Insurance, tracking, ZINARA and ZBC are confirmed after approval and verified on the electronic vehicle handover sheet β not at approval.
Business
Hire Purchase Terms & Conditions
Shown to applicants when they click the "Hire Purchase Terms & Conditions" link on the declaration step. Leave blank to use the built-in default wording.
Business
Document Templates β Contract & Offer Letter
Customise the wording of the two documents a client signs. Leave any box blank to use the built-in default wording. Figures, dates, names and the payment schedule are always filled in automatically β only the surrounding wording is editable here.
Hire Purchase Agreement (the full contract)
This is the complete on-screen/printable agreement signed at Handover. Use the placeholders below anywhere in the text β each is replaced with the real value when the contract is opened for a specific deal.
Available placeholders (click to expand)
{{SELLER_NAME_UPPER}}{{SELLER_SHORT}}{{SELLER_REG}}{{SELLER_ADDR}}{{SELLER_REP}}{{SELLER_REP_UPPER}} β your company {{BUYER_NAME}}{{BUYER_ID}}{{BUYER_ADDR}} β the client {{START}}{{END}}{{TERM}}{{PLACE}}{{SDATE}} β dates & term {{CASH}}{{DEPOSIT}}{{BALANCE}}{{FINCHG}}{{TOTALHP}}{{MONTHLY}}{{NINST}} β figures {{UPFRONT_BLOCK}}{{RECURRING_BLOCK}}{{SCHEDULE}}{{ACC_BLOCK}} β auto-built tables (upfront costs, recurring charges, payment schedule, banking details) {{MAKE}}{{MODEL}}{{YEAR}}{{COLOUR}}{{BODY}}{{VIN}}{{ENGINE}}{{ODO}} β vehicle {{SIG_SELLER}}{{SIG_BUYER}}{{SIG_W1}}{{SIG_W2}} β signature images (or a blank line if unsigned)
Letter of Offer β wording
The Letter of Offer PDF is mostly computed figures (deposit, instalment, schedule) and can't be freely rewritten, but these two narrative lines can be. {ASSET} and {AMOUNT} are filled in automatically where used.
When off, granting a facility does not email the client. Open the facility and use Send Offer once you have checked the offer.
Business
Vehicle registration / excise (once-off on signing)
Pre-owned uses the ZIMRA special-excise grid by age & engine capacity; new vehicles use the flat figure. All editable.
Maintain the dealers / suppliers you source vehicles from, each supplier's vehicle price list, and the stock / vehicle codes. Vehicles added here appear in the “Dealership / supplier” picker on the quote screen and auto-fill the price and code.
People & Access
Staff session security
Staff are signed out automatically after this many minutes of no activity (no mouse,
keyboard, or screen taps) β to stop a logged-in screen being left open and unattended.
Customer AI Assist β verified session
After a customer verifies with a one-time code on the public assistant, their secure session lasts this long. It ends at the absolute limit, or sooner after inactivity.
People & Access
Approval Process β levels, positions & limits
A facility needs sign-off from every level up to the band its amount falls
into. Rename a position to your own title; it stays linked to a built-in role that controls
permissions. "Notify" levels are emailed on grant but don't gate.
People & Access
Roles β rename & create
Rename any existing role, or create your own roles and choose exactly what each one can do.
Custom roles appear immediately in the Add User and Edit User role lists. Approval-chain positions are
still configured under Approval Process above.
People & Access
Password policy
Item/account codes are used on the invoice and journal CSV exports so they
import cleanly into Klipboard (Palladium); the same mapping will drive the API integration.
The town β province list used to auto-fill Province on the quote and application. Edit the provinces (one per line), add towns, and reclassify a town by changing its province. A town not on this list still works β the applicant can type it and Province falls back to "Other".
Messaging
Email (SMTP) & WhatsApp β set up sending
Enter these once and the system writes its own config file β no editing files by hand.
Until completed, messages wait safely in the Outbox.
SMS uses a generic form-POST gateway: it sends to and message (plus sender / apikey if set). Most Zimbabwean bulk-SMS providers accept this.
Add an Anthropic API key to power the AI Assist help desk with Claude. Without a key, AI Assist still answers from the built-in guide.
Messaging
FCB Credit Bureau β subscriber credentials
Credentials for the Financial Clearing Bureau individual search. Held server-side only (never sent back to the browser). Once set and enabled, staff can run an applicant bureau check from the Processing screen. Company search is not yet available.
The base URL only needs changing to point at a sandbox. Leave blank to use the live FCB endpoint.
Messaging
Reminders & messaging
Choose which channels carry reminders and when they go out. Messages are queued to the Outbox and sent by the channels configured above. Placeholders: {fn} {sn} {company} {deal} {amount} {due} {code} {dpd}.
Messaging
Notifications β enable / disable sending
Turn whole channels on or off, and switch individual notification points on or off.
Anything left on continues to send (to the Outbox, then out via the channels configured above).
A disabled item is simply skipped β the rest of the workflow is unaffected.
When on, the system flushes the Outbox on a timer while the server is running, so notifications go out without pressing "Send queued".
Display
Footer
Text shown in the footer on every screen, next to the ECB International badge (bottom-right).
Display
Quick estimate calculator
Choose which sections appear in the Quick Estimate calculator on the quote screen. The summary cards (monthly payment, on-signing, financed, first due) always show.
Display
Completed quote display (Your Quote screen)
Choose which sections appear on the client's Your Quote screen when a quote is completed. The summary cards (monthly payment, on-signing, financed, first due), the Your Quote document and the Get-my-quote / Apply actions always show.
Cost of credit: when a selling-price markup is active, hiding this panel still keeps the headline effective all-in rate and the cap notice on screen β only the detailed rows collapse β so the finance cost is never concealed inside the price. With no markup, Hide removes the panel entirely.
Vehicle Drivers
List everyone who will regularly drive this vehicle. Mark one as the primary driver.
Full application β
Custom rights β
Override this user's role defaults. Default follows their role; Allow grants access even if the role wouldn't; Deny removes access the role would normally give. The built-in admin always has full access.
Dealerships / suppliers & price lists
Add the dealers you source vehicles from, and each dealer's vehicle price list. Vehicles added here appear in the βDealership / supplierβ picker on the quote screen and auto-fill the price.
Dealers
Select or add a dealer.
Welcome β let's set up your company
This runs once. You can edit everything later under Settings β Company Profile.
The details below brand every document your customers receive.
Set up two-factor authentication
1. Open Zoho OneAuth (or Google/Microsoft Authenticator). 2. Add an account by
scanning the QR below, or enter the key manually. 3. Type the 6-digit code it shows and confirm.
Manual key:
Roles & rights β what each role can and cannot do
Generated from the system's actual permissions. Approval steps follow the chain in Settings β Approval Process.
Quotes are prepared in USD. If the client elects to pay statutory amounts in ZWG, set it here during processing.
FCB Credit Bureau β applicant search
Run a Financial Clearing Bureau search on the applicant. Results are not instant β submit the check, then use Refresh result later (it can take a day or more) to pull the outcome.
Not run
Documents on file:β
Staff login
First login β set your own password now.
Two-factor authentication is on for this account. Open Zoho OneAuth
(or your authenticator app) and enter the current 6-digit code.
Camera
If the camera does not start, your browser is blocking it β click the camera icon
in the address bar and allow, or use Upload instead.
Review your application
Enter the code sent to your WhatsApp or email to confirm
it's you sending this application, then click Submit Now.
Revise terms
Every revision is recorded against your name with the before/after figures.
β Application submitted
Approval β
Affordability
Approval trail
Figures changed β use Refer to send this back to the Risk Manager for review. Approve is disabled while the deposit, additional deposit or term differ from the figures on file.
π The Credit Memo and β Guarantor Letter become available once the Group CEO and Shareholder have approved.
Approval-chain history β
Read-only record of every step taken on this application, in order, including the figures in force before and after each decision.
Hire Purchase β
Cash price
β
Amount financed
β
Monthly
β
Term / granted
β
#
Due
Payment
Balance
π Contract Management β offer & signatures
Final disbursement authorisation (HP-APF5) β
Confirm before release:
Lien registered
Insurance interest noted
Tracking/immobiliser installed
π§ Vehicle Service Tracking β Β· every 5,000 km
Restructure / Settlement β
Two rebate methods are shown. The officer confirms which applies before settlement.
Re-amortises the capital outstanding from the next due date.
Vehicle Handover Sheet
Perfection of security β all required before release
Proof of payment / invoice (for Finance Manager)
Insurer, sum insured, premium and expiry carry from the sales officer's vetting capture. Confirm the policy number and upload the policy document before release.
Policy document
The vehicle cannot be released until the Risk Manager authorises it here.
Vehicle condition at handover
Body condition by panel
Required photos (camera or upload)
Vehicle (front)
Vehicle (rear)
Number plate(s)
ZBC licence
ZINARA licence
Other
Sign here
Hire Purchase Agreementβ please read to the end; signing unlocks below
