Need a loan in Abuja? Use your car and get approved within 24 hours.
Your car serves as collateral and stays safe with us while you repay over 3 months. Once you’ve repaid, it’s returned to you.
Cars we accept as collateral
Sedans
Toyota Corolla, Camry, Honda Accord and other saloon cars.
SUVs
Toyota Highlander, RAV4, Lexus RX and other SUVs.
Crossovers
Toyota Venza, Hyundai Tucson and similar crossovers.
Pickups
Toyota Hilux and other pickups and light trucks.
Luxury cars
Mercedes-Benz, Lexus, BMW and other premium vehicles.
Four steps from car to cash
Start online, finish at our Gudu office. Most clients complete the process in a single visit.
Apply online
Tell us about yourself, your car and how much you need.
Visit our office
Bring your original documents to Iyemi Plaza, Gudu, for verification.
Required for every loanHand over your car
We inspect it, confirm its value and keep it secure for the length of your loan.
Receive your loan
Repay within 3 months and collect your car when you’re done.
What to bring to your appointment
Bring one document from each group. Having everything ready means we can finish your loan in one visit.
An office visit is required
Every loan is completed in person so we can verify your identity, your documents and your car.
- Original documents
- Physical verification
- Biometric capture
Identification
Any one valid photo ID
- National ID card or voter’s card
- International passport
- Driver’s licence
Proof of address
Showing where you currently live
- Utility bill (electricity or water)
- Bank statement showing your address
- Tenancy agreement
Proof of income
Salaried or self-employed
- Salary slips for the last 3 months
- Bank statement for the last 6 months
- Business registration, if self-employed
Car documents
For the car you’re using as collateral
- Original car papers (proof of ownership)
- Customs duty papers
- The car itself, for inspection
Loans built around the car you already own
Fast because your car does the talking
No long credit checks or guarantors. Your car secures the loan, so we can decide quickly.
Your car, kept safe
Your car is stored in a secure, insured facility until you repay.
Clear, fair terms
Competitive rates and no hidden fees. You’ll know exactly what you owe before you sign.
Three months to repay
A repayment plan that gives you room to breathe, with your car returned at the end.
Verified in person
Original documents are checked on the spot by our team in Gudu.
Trusted by clients across Abuja
“Whelms gave me a loan against my car within 4 hours. The process was smooth, the staff were professional, and I got my car back after repayment.”
“The 3-month repayment plan saved my business. Their customer service is top-notch. I’ll definitely come back.”
Questions before you apply
Can’t find your answer? Call us on 0903 755 1501 or 0803 622 7017, or send a WhatsApp message.
Do I really need to visit the office?
Yes. Every loan is completed in person at our office in Iyemi Plaza, Gudu, Abuja. We verify your original documents, capture your biometrics and inspect your car.
What can I use as collateral?
At the moment we only accept cars. Sedans, SUVs, crossovers, pickups and luxury cars can all be used, as long as you bring the original car papers and customs duty documents.
How much can I borrow with my car?
It depends on your car’s value, which we confirm when we inspect it at our office. Tell us the amount you need in your application and we’ll discuss it with you.
How quickly will I get a decision?
Our team reviews applications within 24 hours and will contact you by phone or email to arrange your office visit.
How long do I have to repay?
Loans run for 3 months. When you’ve repaid in full, you collect your car.
Where is my car kept while I repay?
Your car is stored in a secure, insured facility for the full length of your loan.
Can I bring photocopies of my documents?
No. We can only accept original documents. See the list of what to bring above.
Visit our office in Gudu, Abuja
Whelms Smart Lending Limited
Suite C29 and C30, second floor, Iyemi Plaza,
Ebeano Road (behind Gudu Market), Gudu,
Abuja 900104, FCT
Ready to turn your car into cash?
Apply online in about 2 minutes, then visit us with your documents.