Crossover SUVs you can get in South Africa for R10,000 a month

·1 May 2023

Crossover SUVs have become a very popular vehicle segment in South Africa, and there are 22 great options that can be afforded with a monthly instalment budget of R10,000.

One of the main factors driving the popularity of SUVs is their versatility. They can be used for both urban-driving and off-road adventures. This flexibility appeals to many South Africans who value vehicles that can meet multiple needs.

With their high ground clearance and sturdy construction, Crossovers are better suited to handle South Africa’s often challenging road conditions than the average sedan or hatchback while maintaining a low fuel consumption compared to a normal SUV.

Crossovers have become a very attractive and affordable option for many South Africans who can’t afford the traditional SUV, such as the Toyota Fortuner, which has a starting price of R653,500.

This is evident month-on-month, as crossovers such as the Toyota Corolla Cross, Chery Tiggo 4 Pro, Toyota Urban Cruiser, Haval Jolion and the VW T-Cross continue to feature on Naamsa’s monthly top 15 best sellers list.

Considering this, BusinessTech looked at the best crossover SUVs one could afford with a monthly instalment budget of R10,000.

Experts still recommend that prospective car owners spend no more than 25% of their monthly income on vehicle finance – roughly making R10,000 a month the recommended amount for South Africans earning a salary of around R40,000 a month.

A budget of R10,000 a month affords dozens of cars currently available on the South African market, including the four crossovers featured on the National Association of Automobile Manufacturers of South Africa (Naamsa)’s top 15 best sellers list for March 2023

These cars include the Toyota Corolla Cross, Haval Jolion, and the Chery Tiggo 4 Pro – which sold 1,839, 940, and 918 units, respectively.

To calculate the monthly instalments of the vehicles on this list, we used Wesbank’s repayments calculator with the following parameters:

Payment term – 60 terms (5 years)
Interest – 11.25%
Deposit – 0%
Balloon – No balloon payment
Extras – No optional extras

Using these assumptions, there are 22 selected new crossover models that are affordable with a monthly instalment budget of R10,000 – including the all-new Omoda C5 and Grand Vitara from Chery and Suzuki, respectively, which both launched in April 2023.

The most expensive option on this list, pushing the limits of the monthly instalment budget, is the Proton X50 – costing R449,900 with an instalment of R9,933 per month.

It must be noted that while some of these cars, and other crossovers, offer cheaper models in their range – equating to an even cheaper monthly instalment – we chose the top-spec models one can afford with a budget of R10,000 per month.

For example, while the Haval Jolion costs R446,950, the model’s entry-level variant costs only R342,950 – working out to an instalment of only R7,594 per month.

With this in mind, the 22 best cars you can afford on a R10,000 monthly instalment budget are listed below.

Proton X50 1.5T Standard