Financial infrastructure for how Nigeria moves.
RouteFi builds the rails for Nigerian mobility finance. RouteFi Drive is our car finance product — connecting Nigerian buyers with verified dealers through one transparent, self-service platform. Every naira, every term, every document is visible before you sign.
Owning a car in Nigeria shouldn’t require inheriting mystery.
For most Nigerians, vehicle finance has meant thick paperwork, unclear rates, informal arrangements, and no way to see your agreement after you’ve signed it. Defaults go unresolved. Disputes drag on. Dealers carry servicing work they aren’t set up to do.
We think owning a car — one of the biggest purchases most people make — deserves complete transparency. So we built RouteFi Drive: a self-service portal for customers, a branded sales tool for dealers, and a clear audit trail for everyone.
- Every payment amount, date, and balance is visible in real time
- Every document has a clear status: uploaded, under review, verified, or rejected
- Every application follows the same structured process
- Every conversation between buyer and dealer is logged
Three principles that shape every decision.
Clarity over complexity
Every figure, date, and term must be visible before you sign. If we can’t explain it in plain English — and in naira — we don’t ship it.
Nigeria-first, not Nigeria-later
BVN. NIN. Secure payments. Open banking. We build on the rails that already work in Nigeria, not generic global plumbing bent to fit.
Trust earns itself
We don’t use fake reviews or manufactured urgency. We ship product that works, respect the user’s time, and let the experience speak.
How hire-purchase finance works on RouteFi Drive.
Hire-purchase is the most transparent form of vehicle finance in the market. You make a deposit, pay fixed monthly instalments, and the vehicle becomes yours once the final payment clears. Here’s the exact sequence.
Application & approval
You apply on your dealer’s branded portal. We verify your BVN, NIN, income, and address. Your dealer issues an approval with specific loan terms.
Deposit & delivery
You pay your deposit securely online. The dealer releases the vehicle to you. Ownership stays with the dealer until the loan is fully settled.
Monthly instalments
You pay fixed monthly instalments through your portal. Every payment reduces your outstanding balance and is visible in real time.
Final payment & transfer
Once the final instalment clears — whether on the original schedule or via early settlement — ownership transfers to you automatically.
Part of RouteFi ecosystem.
RouteFi is building financial infrastructure for African mobility — starting with Drive for car finance and Pass for cashless transit. Pass is our transit product, in development. Both products are built under Dignified Labs, a proudly Nigerian-founded technology company with a simple mission: ship software that works for the continent as it is.