It always picks the worst time. The mechanic says it'll be ₦300,000.
Email, BVN, NIN and your vehicle plate. That's it. No paper, no queue.
Choose your amount, pick a verified shop nearby, and link your bank.
Approved in hours, not days. Money lands in your own account — no middleman.
Repaired at a verified workshop. Repaid on your schedule. Drive on.
MontariPay funds your vehicle repair in hours, not weeks. Borrow, fix, drive — and repay on a schedule that fits your life.
No collateral. No queues at the bank. No middlemen between you and your mechanic.
Sign up with your email, then complete KYC with your BVN, NIN and vehicle plate. Verified in minutes.
Browse verified shops near you, or recommend your trusted mechanic — we'll add them after inspection.
Link your bank account and let our credit engine review in hours, not days.
Easy and convenient repayment options — auto-debit, scheduled installments, or pay early. Receipts in real time.
Approved loans land in your own bank account — no middleman, no detours. When it’s time to repay, choose the rhythm that works: scheduled installments, auto-debit, or pay early. Every cent, accounted for.
Have something else on your mind? Reach out to our support team — we reply within an hour during business days.
Contact supportWe're purpose-built for vehicle repairs. That means a faster decision (hours, not days), no collateral, and a workshop-aware application flow. Funds land in your own bank account — you choose where to spend them.
No. We lend to you, the car owner. Money moves between MontariPay and your verified bank account only. The workshop directory is a value-add — we never transact with workshops.
Your BVN and NIN for identity, your vehicle plate number, your last 6 months of bank statements, and a quote from your chosen workshop. Everything is uploaded inside the dashboard.
You repay on a schedule we agree at approval — weekly or monthly installments. You can opt in to auto-debit so each installment is collected automatically on the due date, or pay manually whenever you like. Every payment fires a real-time receipt.
You can edit it freely during profile setup, as long as the account name matches your BVN/NIN. Once you submit a loan application, the receiving account is locked for security.
You'll receive reminders 7 days, 3 days, and on the due date. There's a configurable grace period; after that, daily penalties accrue (capped at 25% of principal). We'd rather restructure than write off — get in touch early.
Join 18,400+ Nigerian drivers who chose MontariPay to keep moving.