Buy a new car.
Pay monthly.
Drive in 48 hours.

Working out each bank’s price…

Application status

Log in

See your application, your offers and your documents.

We never ask for your PIN, OTP or card number.

My account

What the bank sees.

Each lender runs its own credit policy against the same certified file. This is the underwriting view: the inputs, the rules that fired, and how the price was built.

What financing does to the showroom.

The commercial case for the dealer: cars that were browsed and abandoned become funded sales, and Midas earns on every one.

Fleets, financed in days.

Buying five vehicles or fifty, the same partner banks price your fleet. Banks lend more readily against a bulk order than a single car, because it is one file, one security package and one disbursement.

Pickups

Commercial

Executive

Run your fleet numbers

What we need to start

Where these pictures come from.

Catalogue cards show the manufacturers’ own press images; a car without them shows its dealer’s photographs. Photographs from Wikimedia Commons are used under their licences, with the photographer credited.

Vehicle photography

Catalogue cards show the manufacturers’ own press images. The older catalogue photographs credited below came from Wikimedia Commons under their licences.

Bank offers on your car in 48 hours.

Most Nigerians pay cash for cars because a bank loan takes forty days and a miracle. Midas has a group of banks price every car, so an offer comes back in 48 hours and you collect the keys after your down payment.

We are built with a national dealer network that has showrooms and service centres in Lagos, Abuja, Port Harcourt, Kano, Enugu and Ibadan. Vehicles come first; education loans and mortgages will run on the same platform next.

A small team, backed by a national dealer network.

The network behind the team has distributed vehicles in Nigeria for three decades.

Help finance a million cars.

Lagos-based unless stated. Keep your note short, and tell us what you have done rather than what you would do.

Short guides to car finance.

Know your monthly before you apply.

Pick a bank, a car and a down payment. See the monthly repayment, the interest you will pay over the term and every fee the bank adds, set out month by month.

Indicative only. Access Bank and Stanbic IBTC appear as worked examples at typical rates; the final rate, fees and insurance premium are set by the bank in its own offer letter after a credit assessment. Prices exclude 7.5% VAT.

Cover, built into the loan.

Add insurance to your car loan and pay it monthly inside the same loan, not as a surprise cost on top.

Cover comes from licensed insurers. The insurer sets the price.

Own your car the halal way.

No interest, ever. You pay an agreed rental-profit charge, fixed and written down on day one. The charge never changes and never compounds.

1

The bank buys the car

At the showroom price. It owns it.

2

You drive, pay a fixed rent

Ownership passes to you step by step.

3

It becomes yours

At the end of the term, outright.

Two structures, both with fixed payments

“I do not take interest. Here the bank buys the car and I rent it until it is mine. That is why I applied.”

Ibrahim S. · Kano · 2026 Hyundai Creta · illustrative

Jaiz Bank, Lotus Bank and TAJBank are licensed non-interest banks in Nigeria. Lotus Bank prices Midas applications today.

What stays the same

The same cars, the same application, the same 48-hour target. Your down payment still goes directly to the bank, never to the dealer or Midas. Tick non-interest finance when you apply and only compliant offers reach you.

Non-interest products are provided by licensed non-interest banks and governed by each bank’s own Sharia advisory board. Midas arranges the transaction; it does not issue Sharia certification.

Send a customer their car.

For showroom staff. Pick the car, enter the customer's WhatsApp, and send a link that opens with their car ready to finance and your showroom on the file.

What we do with your information.

Plain language, as the Nigeria Data Protection Act (2023) intends. Questions: lavine@zenith-grp.co.

Our terms in plain words.

Vehicle finance origination for your bank.

Complete files, not leads: a numbered PFI, a certified vehicle at a fixed price, verified income and full KYC, delivered to your credit team over an API.

Hyundai · Nissan · MG · Honda franchises in Nigeria and Ghana, with showrooms in Lagos, Abuja, Port Harcourt, Kano, Enugu, Ibadan and Accra. Two ways to work with us: a white-label platform for your own customers, or a place among our partner banks.

Tucson

Creta

Elantra

How a loan happens

Connected by one API link: customer files go in and decisions come out. The credit engine never leaves your bank.

We look after the car, which protects your collateral

Indicative economics

Average facility of ₦27M at 26% p.a. over 48 months, for illustration. Rates and tenors are set by your institution.

Zero licence fee, zero platform fee and zero commission for banks. Midas is paid by the dealers when a car is sold, never by your institution or the borrower.

Banks we are working with

Banks we have met in Nigeria and Ghana as of November 2026, in onboarding or discussion. These are not signed lending agreements.

Next step

Thirty minutes on credit policy and commercials, then the sandbox. The integration specification is published.

Your stock, financed. Browsers become buyers.

Every car you list carries a monthly price and partner banks behind it. You keep your price; the bank pays you.

Brand new

Certified pre-owned

Commercial

How a sale happens