Vehicle financing
Lease-to-own motorcycles, tricycles, electric bikes and delivery vans with daily or weekly repayments.
Vehicle financing for the gig economy
Own your vehicle.
Grow your income.
OkinPay gives riders, drivers and fleet operators affordable ride-to-own financing, insurance and support — with repayments that follow how you actually earn.
Insurance includedGPS trackedOwn it in up to 24 months
Ride-to-own plan
Motorcycle · Lagos
Ownership progress
18%
- 1Vehicle assigned
- 2Insurance & tracker active
- 3Weekly repayment
- 4Ownership transferred
10%
Deposit from
₦21,500
Weekly
24 mo
Up to
What we do
More than financing. We power everyday mobility.
Insurance & aftersales
Maintenance, genuine parts, telematics and cover that keep you on the road and earning.
Financial services
Savings towards ownership, microcredit and payment tools that grow with your trip history.
How it works
From first ride to full ownership.
01
Apply
Share your details and the vehicle you want. Light paperwork, fast verification.
02
Get your vehicle
Collect an inspected vehicle, insured and tracked, ready to earn from day one.
03
Earn and repay
Small daily or weekly repayments sized to what you realistically earn.
04
Own it
Finish your plan and the papers transfer to your name. It's yours.
Who we serve
Built for everyone who keeps the city moving.
Riders & drivers
Stop paying daily rent. Build real ownership of the asset you work with.
Fleet operators
Scale your fleet without tying up capital. Tracking and upkeep handled.
Platforms
Put more verified, well-maintained vehicles and drivers onto your platform.
Suppliers & financiers
Reach income-generating drivers through one distribution partner.
Support
We stay with you for the whole ride.
Every plan comes with the protection and care that keeps your vehicle earning.
Telematics on every vehicle
GPS tracking protects rider and asset, and speeds up recovery.
Insurance built in
Cover is bundled into the plan, so one bad day doesn't end your business.
Maintenance network
Scheduled servicing and vetted mechanics keep downtime low.
Real rider support
A team you can actually reach when something goes wrong.
Our mission
Millions of people earn a living on two and three wheels. We believe they should own the vehicles they work on.
Partners
Grow with OkinPay.
Fleet operators, platforms, vehicle suppliers and capital partners — let's put more vehicles in the hands of people who earn with them.
Apply
Start your ride to ownership.
Takes two minutes. Our team will call you to confirm the details.