Bike Loan

Own the bike that powers your hustle.

For riders and delivery earners: finance the bike your income depends on, with a repayment structured to move with the way you earn. Size it below.

Finance the asset your daily income depends on.

For many riders, the bike is the business. Buying it outright can be out of reach, and renting eats the margin. A bike loan lets you own the asset while it earns for you.

You put down a share, we finance the rest, and repayment is structured to sit alongside your earnings rather than against them.

Use the calculator below to see the equity, the financed portion and an indicative monthly figure.

How it is secured

The bike itself typically forms part of the security, alongside a repayment plan matched to your earning pattern.

Who it is for

Riders, delivery earners and anyone whose daily income depends on owning a bike.

The Tool

Size your bike loan

A free, no-obligation estimate. Nothing is stored until you choose to continue.

Bike Financing Calculator

Size the equity, the financed portion and an indicative monthly figure for your bike.

12 months
30% equity
₦—
Financed
₦—
Est. monthly
₦—

Illustrative, before fees and rate — your schedule is confirmed on application.

Thank you — an advisor will be in touch shortly.
See the full repayment schedule

A month-by-month breakdown with all costs itemised.

From Application To Approval

Four steps, no mystery

Size it

Use the calculator above to model equity and monthly repayment.
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Step 01

Apply

Share your details and the bike you have in mind.
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Step 02

Agree

Receive a plain offer with every figure written out.
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Step 02

Ride

On acceptance, the bike is financed and earning for you.
Step 02

The Rider Financing Guide

How bike financing works, what deposit to expect, and how to keep repayment comfortable against daily earnings.

Questions, Answered

Before you apply

How much deposit do I need?

This varies by bike and is confirmed during assessment; we will tell you plainly before you commit.

Do I own the bike straight away?

Ownership terms are set out in your offer — ask your advisor for the specifics of your plan.

Is this for commercial riders?

Yes, it is built with delivery and commercial riders specifically in mind.

What if my earnings vary?

We can discuss a repayment structure that accounts for variable income where possible.

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