Up To ₦500,000,000 For The Car You Already Drive | E-XIN Capital
Car Collateral Loan, Ikeja Lagos
The car in your garage could be worth
₦500,000,000

That is not a typo. It is the top of what your car can get you, in cash, in 45 minutes, while you keep driving it.

No guarantor. No salary slip. No losing your car. Just your car, assessed today, turned into money today.

See What My Car Is Worth

One message. We tell you the number. No obligation.

🚗 Keep your car
✅ No guarantor
⚡ 45-minute funding
🏢 Real office in Ikeja

Your Car Already Has The Money. You Just Cannot Spend It Yet.

Think about what is parked outside right now. It has value today. Not next month. Today. But you cannot walk up to it and pull cash out of the tank.

Meanwhile the bank wants three months and a guarantor who has to vouch for your entire life. The loan app wants your contact list and quietly doubles what you owe by month two. Asking family again is not something you want to do.

There is a faster answer sitting in your driveway. We just help you reach it.

The Borrow and Drive Method

Get the cash. Keep the car. That is the whole idea.

Your car becomes the security for your loan. We fit a tracker for the loan period. That is the only thing that changes. You still drive to work tomorrow morning. You still do the school run. You still show up to your business in your own car.

  • Borrow from ₦1.5 million up to ₦500 million
  • Full use of your car for the entire loan period
  • No guarantor, no salary slip, no credit check
  • Cash in your account within 45 minutes of approval
  • Terms agreed and signed on paper before you leave our office

Here Is Exactly How It Works

1

Message us

Send your car's make, model, and year on WhatsApp. Two minutes, from your phone.

2

We assess it

Bring it to our Ikeja office. We look at it and give you a number on the spot.

3

You drive off with cash

Sign the terms, get funded in 45 minutes, and drive your own car straight home.

The range, in full

₦1,500,000 to ₦500,000,000
Based on what your car is worth today

A well-kept Camry and a well-kept Prado will not get the same number. Message us your car's details and we will tell you where you land, before you commit to anything.

This Already Happened For Someone Like You

★★★★★

My mother was in the hospital in Abuja and I had nothing. My salary was three weeks away. I called E-XIN at 8AM, drove to Ikeja by 10AM, and by 10:45AM I had ₦2.8 million in my account. I paid her medical bill that evening.

A.O., Business owner, Surulere
Toyota Camry 2015, Borrowed ₦2.8M
★★★★★

My supplier in China had a deadline and my bank account was tied up in pending settlements. E-XIN gave me ₦5.5M in less than 45 minutes. I made over ₦14M that quarter.

T.I., Online retailer, Yaba
Toyota Highlander, Borrowed ₦5.5M

Before You Message Us

Do I actually keep driving my car?

Yes. That is the entire point of Borrow and Drive. Your car stays with you for the full loan period. A tracker is fitted, nothing more.

Do I need a guarantor?

No. Your car is the only security we need.

Can my car really get close to ₦500 million?

The ceiling is ₦500 million and it depends entirely on your car's current value, age, and condition. Most loans land well below that. We will not know your number until we see the car, and we will tell you honestly either way.

Is this a real company?

Yes. We operate from a physical office at 113 Adeniyi Jones, Ikeja. Walk in, meet the team, ask any question before you sign anything.

Up to ₦500,000,000

Is Sitting In Your Driveway

Send one WhatsApp message. We will tell you exactly what your car is worth to us, no obligation, no pressure.

Chat With Us Now