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Personal & Business

Drive it home.
Pay as it works for you.

Whether it is the school run, site visits or deliveries, finance the vehicle you need and pay for it in easy monthly instalments.

Finance a CarSee all loans

How it works

From showroom to your keys.

Pick the vehicle, we handle the financing. Brand new, foreign used (tokunbo) or Nigerian used.

1

Choose your vehicle

Bring a quote from any dealer, or let us point you to trusted ones.

2

Apply with the quote

Send the vehicle details and your information, and our credit team reviews it.

3

Drive it home

You put in your share, we pay the dealer the rest, and the car is yours from day one. Then you repay in monthly instalments.

What it costs

Move the sliders to see the monthly repayment at our published rate.

You repay each month

₦275,824.46

for 6 months at 5% reducing balance a month

You put in (30%)
₦600,000
We finance
₦1,400,000
Insurance fee (5%)
₦100,000
Interest (5% a month, reducing balance)
₦254,946.76
One-off processing fee (1%)
₦14,000
Total you repay
₦1,654,946.76
Apply for this

An estimate at today's published rate. Your own terms are confirmed in the app once we have reviewed your application, and there is no penalty for paying early.

The deal, plainly

On the road now,
paid over time.

What you’ll bring

  • A verified Capitalwise account
  • The vehicle quote from your dealer
  • Your bank account, linked read-only
  • Your share of the vehicle cost, usually around 30%
  • Two guarantors, each verified with their BVN

That’s the whole list. No branch visits, no stamped statements.

Why it fits

Drive now, pay monthly

Take the keys while the car earns its keep.

The car is the collateral

The vehicle itself is the security, with comprehensive insurance arranged. Nothing else pledged.

New, tokunbo or Nigerian used

Finance from any dealer with a proforma invoice.

Auto Finance,
your questions.

Brand new, foreign used (tokunbo) and Nigerian used vehicles, from any dealer who can issue a proforma invoice.