We don't do mystery rules. Here's exactly who we lend to, what you'll need, and what to do if a check doesn't pass — written before you start, not after you're declined.
You need to clear all six. We tell you which one didn't pass — and what to do about it.
You must be at least 21 years old and resident in Nigeria, with a valid Nigerian mobile number registered in your name.
A valid Bank Verification Number and National Identification Number — both verified to match your full name and date of birth.
You own the vehicle being repaired, or hold a notarised authorisation from the registered owner if it belongs to a family member or employer.
A Nigerian bank account in your name with at least 3 months of statement history. We support all 25+ commercial banks.
You are not currently in active default on any regulated credit product. We check the credit bureaux on every application.
A workshop in our verified network — or a workshop willing to be vetted by us within 24 hours.
You can have everything below ready in about ten minutes. We pull bank statements automatically once you authorise — most applicants don't have to upload anything heavier than a photo.
Median application time on our side is 4 minutes 12 seconds. The slowest part is always typing the plate number.
Most "declines" are timing issues. Here's what each one means and how to come back.
You can apply once your BVN is updated with NIMC. Updates typically clear in 24–48 hours.
Open an account at any commercial bank in Nigeria, run it for three statement cycles, and reapply.
Settle the default first, request a credit-report update from CRC or FirstCentral, then reapply after 30 days.
Send their phone number and address to workshops@montaripay.com — we will vet them within 24 hours, free.
The four questions our customer-success team gets most often.
Anywhere from ₦25,000 to ₦5,000,000 — sized to your repayment capacity. Most first-time borrowers are approved between ₦150,000 and ₦600,000.
No. Our pre-qualification is a soft check that does not appear on your credit report. Only a full application after you accept an offer is recorded by the bureaux.
Yes. Ride-hailing income is one of the strongest signals we look at. Make sure your driver-app statements are easy to access — you may be asked to share them.
Only if you are the registered owner of the vehicle, or hold notarised authorisation. Loans are issued in the name of the borrower, not the owner.
Start the application — the soft pre-check tells you in under 90 seconds whether we'll fund you, with no impact on your credit score.