VEHICLE-BACKED LOANS · LAGOS

Your car has value.
Put it to work.

Access funds using your vehicle as security. Take the next step for your business or personal plans with E-XIN Capital.

See how it works

Your vehicle stays in our custody during the loan.

Based in Ikeja, Lagos

A charcoal SUV on a sunlit modern forecourt

MORE POSSIBILITY.
From the value you already own.

E-XIN CAPITAL

Your vehicle’s valueAssessed through an inspection

Terms before you commitReview the offer and repayment plan

A conversation firstDiscuss your needs with our team

A CLEAR PATH FORWARD

From your vehicle
to your next move.

Start with a conversation. We’ll guide you through the assessment and explain what comes next.

Tell us what you need

Share your vehicle’s make, model and year, along with the amount you’d like to borrow.

Get your vehicle assessed

Arrange an inspection and ownership checks. Your offer depends on the vehicle and our assessment.

Review. Agree. Receive.

Review the loan terms and complete the agreement. Funds are released after approval and vehicle handover.

BEFORE WE TALK

A little preparation.
A better conversation.

Have these details ready to help us understand your request. Our team will confirm the documents needed for your application.

✓
Your vehicle details
Make, model, year and current condition.
✓
Proof of ownership
Vehicle documents showing your right to offer it as security.
✓
Your identification
A valid ID and a phone number we can reach you on.
✓
Your funding needs
The amount you need and your intended repayment plan.

GOOD QUESTIONS. CLEAR ANSWERS.

Before you
get started.

Have something else in mind?
Let’s talk it through.

How much can I borrow?

Your loan offer depends on the assessed value and condition of your vehicle, ownership verification and our approval process. Contact us with your vehicle details to start an assessment.

Can I keep driving my car?

No. Your vehicle must be handed over to E-XIN Capital and remains in our custody for the duration of the loan.

What are the interest rate and fees?

Ask our team for the interest rate, all applicable fees, repayment schedule and total amount payable for your offer. Review these terms before signing. An enquiry is not a loan approval.

How quickly will I receive the funds?

Timing depends on the inspection, document verification, approval and completion of the agreement. Our team will confirm the next steps and expected timing for your application.

Where do I bring my vehicle?

We are based in Ikeja, Lagos. Please speak with our team to confirm the inspection location and arrange a visit before bringing your vehicle.

What if I have trouble repaying?

Contact our team as soon as possible to discuss your situation. Late repayment may lead to charges and the sale of your vehicle under the agreement and applicable law. Any change to your repayment terms must be agreed with E-XIN Capital.

YOUR NEXT MOVE STARTS HERE

Let’s talk about
what’s possible.

Tell us about your vehicle. We’ll take it from there.

No commitment to borrow when you enquire.

Ready for your
next move?

Your car has value.
Put it to work.

From your vehicle
to your next move.

Tell us what you need

Get your vehicle assessed

Review. Agree. Receive.

A little preparation.
A better conversation.

Before you
get started.

Let’s talk about
what’s possible.

Tell us about your car.

Privacy, simply.

Your car has value.Put it to work.

From your vehicleto your next move.

Tell us what you need

Get your vehicle assessed

Review. Agree. Receive.

A little preparation.A better conversation.

Before youget started.

Let’s talk aboutwhat’s possible.

Your car has value.
Put it to work.

From your vehicle
to your next move.

A little preparation.
A better conversation.

Before you
get started.

Let’s talk about
what’s possible.