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An offer of instalments at the cash price basically means that the total you pay for the car in instalments equals its price if you paid the full amount at once, so the finance cost is not added to the car’s price because the seller or the offer absorbs it. But the advertising phrase instalments at the cash price is not enough on its own; there may still be administration fees, comprehensive insurance required throughout the contract, a final payment, or add-ons bundled into the offer. So ask for the cash price and the total amount payable in writing, compare the two, and read the repayment schedule, the offer’s terms and its validity before you sign.
The idea is that you buy the car in instalments without its price rising above the cash price. In ordinary financing, the buyer pays the finance cost on top of the car’s price, which is what the finance company charges for spreading the amount over the contract term. In this type of offer, it is announced that this cost does not fall on the buyer, so the down payment, the instalments and any other payments together remain equal to the cash price.
Searches use several similar phrases, such as cash price instalment cars, a car on instalments at the cash price and two payments at the cash price, and the general meaning is the same: the contract price equals the full-payment price. For the general comparison between cash and instalments, with the pros and cons of each option and how to calculate the total cost, see the comparison of buying a car with financing or cash, while this article focuses specifically on instalments at the cash price and how to verify them.
The details of each offer differ, but the general picture is often similar: the seller agrees with a finance company to absorb all or part of the finance cost, so it appears to the buyer that what they pay does not exceed the cash price. The financing itself is provided by the finance company according to its terms and is subject to its credit approval, so the existence of an offer does not mean your application is automatically accepted.
In some cases the offer is at the cash price in name only, because the cost moves to other items such as fees or add-ons. That is why what counts is the total amount written in the contract, not the headline of the advertisement. At Saleh Cars Group, financing solutions are offered through approved banks and finance companies, and the financing is provided by the finance company, not the group; you can review the frequently asked questions about buying and financing to learn about payment methods and general financing conditions.
Even if no finance cost is added to the car’s price, other items may still apply, varying by offer and by the finance company’s terms. The table summarises the main ones and what to ask before signing:
| Item | What it may mean | What to ask |
| Administration or application processing fees | An amount the finance company charges for reviewing the application or opening the contract | Are there fees? Are they inside or outside the total amount? |
| Comprehensive insurance during the contract | The finance company may require comprehensive insurance on the car throughout the instalment term | Is the insurance at my expense? Who chooses the insurer? How is it renewed? |
| Down payment | Part of the price paid when the contract is signed | Does the offer require a specific down payment? Does the offer still apply if I change it? |
| Final payment | An amount larger than the monthly instalment due at the end of the contract | Is there a final payment in the repayment schedule? What are my options when it is due? |
| Add-ons bundled into the offer | Service packages, accessories, window tinting or protection added to the price | Are the add-ons mandatory? Can they be removed while keeping the offer? |
| Early settlement | The terms for ending the contract before its due date | Are there fees or conditions for early settlement? How are they calculated? |
The contract may also include items other than these. Ask for every item in writing, and check the contract and the finance company’s official disclosures, because these details differ from one contract to another; anything you do not understand, ask the finance company directly.
To get a first estimate of the monthly instalment before visiting the showroom, you can use the car instalments and finance calculator page, bearing in mind that the final figures are set by the finance company according to its terms, and that a first estimate does not replace the official repayment schedule.
Write down the answers and ask for them in writing, and never sign a contract with blank fields or terms that were not explained to you. For the other buying steps, from setting a budget to inspecting and receiving the car, see the new car buying guide before you sign and take delivery.
The offer usually suits you when you have already decided on instalments, and the comparison shows that the total amount really equals the cash price, and the car included is the one you need rather than the one the offer pushes. Signs that make it a reasonable option include:
It may not suit you if the car included does not fit your needs, if the down payment or final payment is larger than you can manage, or if an available cash discount makes paying in full better value for you. If what you have does not cover a down payment at all, that is a different question about buying without a down payment, with its own conditions at finance companies. Before you decide, you can browse the current offers on cars and check the terms and validity of each offer.
Not necessarily. The seller may absorb the finance cost, but administration fees, comprehensive insurance or bundled add-ons may still apply. What counts is the total amount in writing compared with the cash price of the same car.
It usually means splitting the car’s price into two payments with no increase over the cash price, according to the seller’s terms. Ask when each payment is due and when the car is delivered and ownership transferred, and get this in writing.
Usually not; the offer may be limited to specific cars, trims or quantities and for a limited time. Read the offer’s terms and expiry date before relying on it in your decision.
That depends on the finance company’s terms and the contract. Ask the finance company about the early settlement conditions and any fees, and about the effect on the offer’s benefits, and get the answer in writing.
Residents can buy with financing, but acceptance of the application and the required documents are set by the finance company according to its terms and credit approval, and each offer’s conditions may differ, so ask the finance company before applying.
Instalments at the cash price mean that the contract price equals the full-payment price, but they do not always mean the absence of any other cost. Ask for the cash price and the total amount in writing and compare them, review the repayment schedule, fees, insurance, final payment, early settlement terms and the offer’s validity, and sign only if the figures are clear and suit your budget.