Pay for your Nerova over time, with the numbers in plain sight
Hire purchase, lease or company plans through partner lenders. Move the sliders to see a monthly figure. Example rates for this demo.
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Example rates only, not an offer. Real rates depend on the partner lender and your circumstances.
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Three ways to pay over time
Own it
Hire purchase
Pay a deposit, then fixed monthly payments. The car is yours after the last one.
- 10 to 60 percent deposit
- Fixed monthly amount
- Settle early with no penalty after 12 months
Change it
Personal lease
Lower monthly payments, hand the car back or upgrade after three or four years.
- Service plan included
- Insurance can be bundled
- Upgrade to a new model
For business
Company plans
For companies with three or more cars, with fleet tracking and a single monthly invoice.
- Maintenance included
- Fleet dashboard
- Pay by transfer monthly
Documents
What lenders ask for
- A valid ID: national ID card, international passport or driver’s licence
- Your BVN for identity checks
- Six months of bank statements
- Proof of address, a recent utility bill or tenancy agreement
- For salaried applicants, an employment letter
- For business owners, CAC registration and business statements
Partner lenders in this demo are invented: Kestrel Trust Bank and Ogun Valley Finance. They assess applications themselves and reply within five working days in most cases.
Nerova does not add a fee on top of the lender’s rate. The arrangement fee of ₦75,000 covers document checks and the vehicle tracker the lender requires.
Answers
Questions people ask
Can I get finance if I am self-employed?
Yes. Lenders look at six to twelve months of business statements instead of a salary letter.
Is insurance included?
You can bundle comprehensive insurance into the monthly payment with a partner insurer (example).
Can I pay off early?
Yes. After 12 months there is no penalty with either partner lender in this demo.
What if I lose my job?
Talk to the lender early. Both partners can pause or restructure payments in hardship.
Notice
Talk to a person about finance
Our finance desk explains every line before you sign anything.