FOR DRIVERS IN LAGOS
Own the car you drive.
Pay monthly from the money you already earn. After the last payment the vehicle is yours — in your name, with the papers to prove it.
Takes about 25 minutes. You can stop and carry on later. Nothing to pay to apply.
- No fee to apply
- Insurance for the whole lease
- Tracked, and you agreed to it
- Papers in your name at the end
WHO IT IS FOR
Three kinds of work. One way to own the vehicle.
If you earn from driving, you can apply. You do not need a salary, a payslip or a landed property.
-
Ride-hailing
Bolt, Uber, inDrive and similar. Saloon cars and small SUVs.
You apply yourself, on your own phone.
-
Korope passenger
Fixed-route work with a union. Buses that seat 14 to 18.
A Carcelerate agent can do the whole application sitting with you.
-
Deliveries and haulage
Goods, not passengers. Vans and pickups.
You apply yourself, on your own phone.
HOW IT WORKS
Four steps. About five working days from sending to a decision.
We tell you where your application is at every stage, and whether you need to do anything. You are never left guessing.
-
Apply
About 25 minutes on your phone. You need your licence, your BVN and NIN, and two people who will stand for you.
-
We check
Usually five working days. You can see the stage your application is at, and the date we expect to decide.
-
Collect
Pay your deposit, set up your monthly payment, and collect the vehicle from our Ikeja office.
-
Own it
Make every payment and the vehicle is transferred into your name. No balloon payment. No charge for paying early.
WHAT YOU NEED
Have these ready before you start.
You can stop at any point and carry on later. Everything you type is saved on your phone for 30 days.
Nothing here costs money.
-
Your driver's licence
Not expired. Both sides.
-
A NIN slip, or an international passport
One government photo ID.
-
Three months of bank statements
Or your mobile money statement. Any of the supported banks.
-
Two people who will stand for you
Their names and phone numbers. They pay nothing, ever.
-
An account at one of our banks
Your monthly payment is collected automatically from it.
-
Your vehicle papers, if you already drive
Not required. It helps your application.
THE VEHICLES
Vehicles chosen because they are cheap to run and easy to fix.
Every one of them has parts you can get at Ladipo and a mechanic on every street. That matters more than the badge.
-
Toyota Corolla
Saloon · ride-hailing
Automatic or manual · petrol · 5 seats
-
Toyota Hiace
14 to 18 seats · Korope
Manual · diesel or petrol
-
Toyota Hilux
Pickup · deliveries and haulage
Manual · diesel
We do not show prices on this page, and that is deliberate.
Your exact deposit and your exact monthly amount come with your offer, after we approve you. An indicative figure that later turns out different is how drivers get hurt in this business. The figure you are shown is the figure you pay.
OUR PROMISE
What we will never do.
Most drivers who come to us have been burned before. These four are written into your agreement, not just onto this page.
-
Take the vehicle without warning
You get a phone call, a text message and a written notice first. Recovery only begins 30 days after a missed payment, and never on the same day.
-
Ask for your bank password
Not on the phone, not in the app, not at the office. Anyone who asks you for it is not from Carcelerate.
-
Charge you to apply
Applying is free. Being declined is free. There is no form fee, no processing fee and no agent fee.
-
Change your monthly amount
The amount on your offer is the amount for all 36 months. It does not move with fuel, with the naira, or with anything else.
QUESTIONS
The six questions drivers actually ask.
Not the six we would prefer to answer.
What happens if I cannot pay one month?
Call us before the due date. Once in every twelve months we can move one payment to the end of your schedule at no cost. If you say nothing, a late fee is added after eight days and your guarantors get a message.
When does the car become mine?
After the last of your 36 payments, or when you pay off the balance early, we prepare the transfer papers and register the vehicle in your name.
Do my guarantors pay anything?
No. They are not part of your agreement and take on no debt under it. If you fall more than a week behind, they get a message saying so and asking how to reach you. They are never asked to pay, and never shown your figures.
What if I do not have a smartphone?
A Carcelerate agent can do the whole application with you at our Ikeja office. You still approve it yourself: we send a code to your phone, and a basic phone is enough to receive it.
Is the vehicle insured?
Yes. Comprehensive insurance for the whole lease, with Leadway Assurance. It is inside your monthly payment, not billed separately.
Can I pay it off early?
Yes, at any time, at no extra charge. Once that payment clears, we prepare the transfer papers and register the vehicle in your name.
FIND US
Come and see the vehicles before you apply.
You are welcome to walk in, look at the vehicles, ask anything, and leave without applying. Nobody will follow you to the gate.
-
Carcelerate Nigeria
9 Kudirat Abiola Way, Oregun, Ikeja, Lagos
-
Opening hours
Monday to Friday, 08:00 to 17:00. Saturday, 09:00 to 14:00.
-
Call us
0700 227 2000 — Monday to Saturday, 08:00 to 20:00
-
WhatsApp
0803 900 4417 — we reply within two hours in working hours
We also register drivers at NURTW parks
Ask for a Carcelerate agent. They carry an ID card with a photograph and a number you can ring to check them.
Ready to start?
About 25 minutes. Nothing to pay. You can stop and carry on later.
Prefer to do it with a person? Call us and we will fill it in with you on the phone.