For banks
Join the panel. Price every loan.
See pre-qualified buyers, bid your rate in real time and fund only the deals that fit your policy.
7 banks price your loan. You take the lowest rate. Keys in 48 hours.
Stanbic IBTC
Zenith Bank
Wema Bank
Globus Bank
Stanbic IBTCZenith BankWema BankGlobus Bank
1From our showroom. Full warranty.
2
7 banks price it ↓You take the lowest rate.
348 hours. Not 40 days.
Inspected & gradedFrom ₦11.5M full price. 6-month engine & gearbox warranty.
See pre-owned →The bank buys the car. You pay a fixed monthly rent until it is yours.
How it works →Showroom prices, synced from Auto OS. Monthly amounts are the best current bank offer at 30% down over 60 months — your own offer depends on your income.
What you need: your ID · your phone · your salary details. That's all.
5 minutes on your phone. The banks do the rest.
🔒 We never ask for your BVN, card number, PIN or OTP.
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.
The commercial case for the dealer: cars that were browsed and abandoned become funded sales, and Midas earns on every one.
Most Nigerians pay cash for cars because a loan takes forty days and a miracle. Midas puts a panel of banks behind every car, so an offer comes back in 48 hours and the keys follow your down payment.
We are built with the Stallion Group’s national dealer network — showrooms and service centres in Lagos, Abuja, Port Harcourt, Kano, Enugu and Ibadan. Vehicles first; education loans and mortgages ride the same rail next.
Behind the team sits the Stallion Group’s automotive network — three decades of vehicle distribution in Nigeria.
Lagos-based unless stated. Write briefly — what you have done beats what you would do.
No interest, ever. You pay an agreed rental-profit charge, fixed and written down on day one. Nothing floats, nothing compounds.
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.
For showroom staff. Pick the car, enter the customer's WhatsApp, and send a link that opens with their car ready to finance — your showroom on the file.
Plain language, as the Nigeria Data Protection Act (2023) intends. Questions: lavine@zenith-grp.co.
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.
The dealer network behind the flow — showrooms and service centres in Lagos, Abuja, Port Harcourt, Kano, Enugu and Ibadan.
Proven in this market: Stanbic IBTC disbursed over ₦4bn of vehicle loans in its first six months on a comparable platform.
Average facility of ₦27M at 26% p.a. over 48 months, for illustration. Rates and tenors are set by your institution.
| Facilities funded monthly | Principal originated p.a. | Gross interest, life of book |
|---|
There is no fee to join the panel. Midas is remunerated by its commercial partners, not by your institution or the borrower.
A non-interest window is reserved on the panel for licensed Islamic banks — Murabaha and Ijara wa Iqtina structures, serving the roughly half of Nigeria that will not take an interest-bearing loan. We would particularly welcome that conversation.
Positions as of September 2026, reflecting live onboarding or discussions — not signed lending agreements. One founding position remains open.
Thirty minutes on credit policy and commercials, then the sandbox — the integration specification is published.
List your certified vehicles on Midas and every card carries a monthly price and a bank panel behind it. You keep selling the car; the banks fund it; you get paid on disbursement — and the customer never pays a deposit to anyone but the bank.
Send stock as a simple sheet (make, model, year, price, mileage, photos) or connect your inventory system — the inventory.json feed format is published in the codebase.
Illustrative — portraits are generated, not real customers. Real buyers replace these after our first deliveries.
Banks compete for every loan. Dealers sell more cars. Buyers get the lowest rate.
See pre-qualified buyers, bid your rate in real time and fund only the deals that fit your policy.
Every car carries a monthly price and a bank panel behind it. Free to list, and you're paid on disbursement.
