South African roads still demand defensive thinking. Police statistics released in late May confirm that 4 533 cars were hijacked between 1 January and 31 March this year, a national decrease of 15% but still an average of 50 incidents every day. Gauteng carries most of the weight, recording roughly 2 500 attacks in three months, more than half the country’s total. The numbers are moving in the right direction, yet for many commuters the risk feels personal. Hard data is the spark; certified armour is the solution.
Buying a bullet-proof SUV or bakkie used to be a cash-only game for high net worth individual. A discreet B6 upgrade that stops AK-style fire can add well over a million rand to a Land Cruiser 300, which already tops R2 000 000 before extras. Mainstream banks rarely see that armour bill as true value. They finance only the naked chassis, then expect you to bridge the shortfall out of pocket. The result is a protection gap that leaves families, executives and private-security teams exposed.
Armoured Mobility have dismantled that barrier by designing armoured-vehicle bank finance for real-world budgets. Armoured Mobility and our top 4 banking partner combine manufacturing credibility with the country’s largest secured-lending book, turning what once felt like an unreachable outlay into a structured instalment that looks and behaves like an ordinary car loan.
Why our Banking Partner Treats Armour as an Asset
Their four-plus decades in asset finance give it a deep history of pricing niche vehicles, from yellow-metal excavators to refrigerated trucks. That expertise now extends to Armoured Mobility. Instead of dividing vehicle and armour, the bank funds the chassis in full and up to 50% of the armour value, treating the package as a combined asset. The financed amount can be structured over a term of up to 60 months, with monthly repayments reflecting prime-linked rates. Monthly repayments rise and fall with the prime rate, now 10.75% after the Reserve Bank’s May cut, which makes cash-flow forecasting straightforward.
What Sets Armoured Mobility Apart
Armoured Mobility operates in Johannesburg, Durban and Cape Town and publishes transparent pricing online. A B6 Land Cruiser 300 conversion lists at about R75 000 per month on a typical finance calculator, including ballistic glass on every aperture, an armoured capsule from firewall to tailgate and steel run-flat bands. For buyers needing a workhorse rather than a luxury SUV, the company offers a Toyota Land Cruiser 79 pick-up with full B6 discreet protection at a monthly figure below R50 000 dependant on customer deposit amounts.
A Smooth Path from Enquiry to Handover
Vehicle and threat level: Choose a platform you love and match B4 handgun resistance or B6 assault-rifle protection to your daily route.
Single VAT-inclusive quote: Armoured Mobility wraps base vehicle, armour kit, labour and optional electronics into one document that bank finances.
Fast submission: Upload three months of payslips or audited statements, proof of address and your driving licence, all online or via email.
Rate lock: Approval lands within a day and your interest margin stays fixed for 90 days even if prime edges upward.
Progress draws: The bank pays Armoured Mobility directly as each build milestone is signed off, keeping production cash flow steady.
Delivery and warranties: Three-year ballistic-glass and two-year workmanship cover transfer to a second owner, supporting strong residual values.
The structure is built for speed because time saved in the factory can be the difference between exposure and security on the road.
Counting the Rands and Cents
Picture the flagship Land Cruiser 300 example. The unarmoured vehicle retails at roughly R2 000 000. Add a discreet B6 capsule at R1 500 000 and the gross invoice rises to just over R4 000 000. Finance that total over 60 months at prime plus one with a 10% deposit and the repayment sits close to R70 000 a month, depending on how the armour portion is structured. Comparable B4 family SUVs can start near R25 000 with no deposit, a price point once unheard of for legitimate ballistic protection.
Structures That Flex with Your Balance Sheet
- Fixed-rate contracts cap exposure for households that need precise budgeting.
- Prime-linked loans let corporate fleets benefit immediately from any future rate relief.
- Master fleet facilities pool multiple units under one credit ceiling, simplifying reporting for security firms, NGOs and miners operating in high-risk corridors.
Hidden Wins That Sweeten the Deal
Insurance synergy
Underwriters are guided by actuarial loss ratios. Certified armour demonstrably lowers hijack success rates, so many insurers discount premiums by double-digit percentages once a vehicle carries B6 accreditation and GPS tracking.
Tax positioning
VAT-registered entities can reclaim input tax on the entire invoice in the next filing cycle, effectively unlocking 15% of the purchase price as an interest-free short-term loan.
Resale transparency
Because armour spec and build date live on the bank-verified asset register, secondary buyers know exactly what protection they are getting, which prevents the price erosion sometimes seen on grey-import armoured cars.
ESG compliance
Boards measuring environmental, social and governance impact can log executive transport safety under the social pillar, demonstrating duty of care to staff who travel through known hijack hotspots.
