1. Who dey inside this agreement
Carcelerate Nigeria Limited, RC 1892044, and you, the person wey your name dey the offer. Your guarantors no dey inside this agreement and dem no carry any debt for am.
2. If you fit apply
You must be 21 years or pass, get Nigerian driver licence wey never expire, get BVN and NIN, dey make money from driving, and get account for one of the banks wey we dey work with. We fit say no to application without giving reason, and if we say no, e no go cost you anything.
3. How to apply
To apply na free. We go check who you be, your credit record and your documents, and we go contact the two guarantors wey you name. We go tell you wetin we decide within five working days after your application complete.
4. The offer, and wetin e fix
If we approve you, we go give you offer for writing. That offer go show the motor, the deposit, the monthly money, how many payments, and the total wey you go pay. Those figures no go change once you accept. The offer go stand for seven days.
5. Wetin you must do
Pay the money wey we agree on the day wey we agree, from the account wey you give us.
Service the motor for the time wey we talk, and send us the receipt.
Use the motor the way law allow, and only for the work wey you tell us about.
Tell us within 24 hours if the motor damage, if dem steal am, or if e enter accident.
No sell the motor, no use am as security for loan, no rent am give another person, and no change anything for am while you still dey pay for am.
6. Wetin we must do
Give you motor wey fit road, wey dem don register, wey get insurance, and wey fit the work wey you describe.
Keep full insurance on top the motor for the whole agreement, inside your monthly payment.
Tell you where your application reach for every stage, and tell you wetin happen for plain language.
We no go ever change your monthly money, and we no go ever add charge wey we never tell you for writing.
7. If you miss payment
Day 1 to 7: we go dey send you reminder. No fee.
Day 8: we go add late fee, and we go send message to your two guarantors say you don fall back. We no go ask dem to pay.
Day 15: we go give your matter to the team wey dey collect motor back, and person go call you.
Day 30: we fit start to collect the motor back. Before this time, we for don call you, send you message and write you letter.
8. The tracker
The motor go carry tracker as long as you still dey pay for am. We fit see where the motor dey. We no fit see where you dey when you no dey inside the motor, and we no dey listen to anything. We go remove the tracker, or off am, when the motor don be your own.
9. To end the agreement early
You fit pay the balance wey remain anytime and we no go charge you extra, and the motor go be your own as soon as the money clear.
You fit ask to end the agreement and return the motor. Wetin go happen to the money wey you don already pay depend on how far you don reach for the agreement.
10. When the motor go be your own
After the last of your 36 payments, we go prepare the transfer papers and register the motor for your name. Until dem give you those papers, the motor still be Carcelerate own, even if you don pay almost everything.
11. Quarrel and the law wey control this agreement
Na the laws of the Federal Republic of Nigeria dey control this agreement. If something go wrong, first complain to us — see the complaints page. We no go carry you go court over quarrel wey we never try settle with you face to face.