Calculate & Pre-Qualify

Use our calculator to test repayments and submit your soft pre-qualification in 60 seconds with zero credit score impact.

Choose Your Verified Car

Select from our live inventory of 9,860+ verified cars or specify a car from any certified dealership in Nigeria.

150-Point Scan & GPS Collateral

Our mobile mechanics verify the vehicle’s engine, transmission, and customs papers, and install a tamper-proof GPS security tracker.

Drive Away with Full Cover

Disbursal is finalized directly to the seller or dealer, and you receive the vehicle keys with full comprehensive insurance included.

Financing is available to confirmed salary earners in verified corporate or public sector employment (minimum 6 months on the job), as well as registered business owners with active corporate accounts and verified bank statements.

1) Valid government ID (NIN, Driver’s License, or International Passport).
2) 6-month certified bank statement (salary account or active business account).
3) Work ID card and employment letter (for salary earners) or CAC registration certificate (for business owners).

No! Auto45 operates on an asset-backed collateral model. The vehicle itself acts as the primary collateral, backed by an installed tamper-proof GPS tracking unit and comprehensive insurance cover.

Yes! Our “Swap & Finance” program allows you to trade in your current vehicle. Its appraised trade-in equity counts directly towards your 20%–50% required down payment, drastically reducing or eliminating out-of-pocket cash requirements.