Empowering Nigerians through accessible vehicle ownership
To democratize vehicle ownership in Nigeria by creating a trustworthy marketplace that connects vehicle owners with hardworking drivers seeking to own their vehicles through manageable weekly payments.
We believe that every Nigerian who wants to own a vehicle should have the opportunity to do so, regardless of their current financial situation. Through our hire-purchase model, we're turning this dream into reality for thousands of drivers across the country.
To become Nigeria's most trusted vehicle hire-purchase platform, facilitating over 100,000 successful vehicle ownership transfers by 2030.
We envision a Nigeria where transportation entrepreneurs can easily access the vehicles they need to build their businesses, create employment, and contribute to economic growth.
Balance and Carry was born from a simple observation: thousands of skilled Nigerian drivers wanted to own their own vehicles but couldn't access traditional financing options. Banks required collateral they didn't have, and informal arrangements often led to disputes and unfair terms.
Our founders, having witnessed these challenges firsthand in Lagos, Abuja, and Port Harcourt, decided to create a platform that would benefit both vehicle owners looking for reliable income and drivers seeking a path to ownership.
Today, Balance and Carry operates across major Nigerian cities, with a growing community of satisfied vehicle owners and proud new vehicle owners who completed their hire-purchase journey with us.
The principles that guide everything we do
Building lasting relationships through transparency and honesty
Creating agreements that benefit both drivers and vehicle owners
Supporting our members throughout their ownership journey
Enabling economic independence through vehicle ownership
You'll receive reminders before payments are due. If you miss a payment, you should contact us immediately to arrange a solution. Multiple missed payments may affect your agreement status.
Once you submit all required documents, approval typically takes 2-5 business days. Complete documentation speeds up the process.
Yes! You can make additional payments or pay off your remaining balance at any time without penalties.
Drivers need: NIN, guarantor information, and police report. Vehicle owners need: proof of ownership, insurance, and vehicle registration.
GPS tracking is recommended but not always mandatory. It depends on the vehicle owner's preference and the specific agreement terms.
Start your journey towards vehicle ownership or list your vehicle to earn passive income.