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📋 How It Works ⭐ Why Car4Loan 📜 Terms & Conditions ✅ Eligibility 📄 Bill of Sale
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🚗
◆ Vehicle-Backed Loans · Licensed Money Lender

Turn Your Keys
Into Capital

Car4Loan gives you fast, reliable loans secured by your car or bus — held safely in our facility while you access the funds you need to move your life forward.

24h
Fast Approval
10–15%
Monthly Rate
3+3
Month Terms

Car4Loan is Powered by Cyrank Global Services — a fully Licensed Money Lender operating under Nigerian financial regulations.

✔ Licensed & Regulated
About Car4Loan

Car4Loan was founded with a simple but powerful idea: Nigerians who own vehicles should be able to access real liquidity quickly — without selling their asset permanently and without the bureaucratic delays of traditional banking.

We are powered by Cyrank Global Services, a licensed money lender operating under Nigerian financial law. Our model is straightforward: you surrender your vehicle as physical collateral, we disburse your loan within 24 hours, and you redeem your vehicle the moment you repay in full.

We currently operate from six offices across Nigeria — Abuja (FCT), Lagos, Anambra, Enugu, Asaba, and Port Harcourt — and are expanding rapidly to serve more Nigerians who deserve fast, transparent, and accountable lending.

🔒 Security

Your vehicle is professionally secured in our own garage — not a third party.

⚡ Speed

Approval and disbursement within 24 hours of vehicle assessment.

📋 Transparency

All rates, fees, and terms are disclosed before you sign anything.

⚖️ Accountability

Licensed, regulated, and fully compliant with Nigerian financial law.

Our Mission

To democratise access to quick, asset-backed liquidity for everyday Nigerians — enabling them to solve urgent financial needs without the permanent loss of their most valuable asset.

Our Vision

To become Nigeria's most trusted vehicle-backed lending institution — expanding to every state and empowering millions of Nigerians to turn idle assets into working capital.

Legal & Licensing

Car4Loan is operated by Cyrank Global Services, promoted by Okafor Frank Chukwudi, a duly licensed money lender under applicable Nigerian statutes. We are committed to full compliance with all financial regulations including CBN guidelines and the Money Laundering (Prevention & Prohibition) Act 2022.

6
Office Locations
24h
Loan Disbursement
₦100K
Minimum Loan
100%
Secured & Licensed
Leadership
👔
Management
Founder & Promoter
Cyrank Global Services
📊
Operations Team
Loan Processing &
Vehicle Management
⚖️
Compliance & KYC
AML · Due Diligence
Investor Relations
4 Simple Steps to Get Your Loan

From application to cash in hand — our straightforward process gets you funded fast with no unnecessary delays.

01
📋

Apply Online

Fill our simple application form with your personal details, vehicle information, and the loan amount you need — takes less than 10 minutes.

02
🔍

Vehicle Assessment

Our team evaluates your vehicle's condition, value, and documentation to determine your eligible loan limit and applicable interest rate.

03
🏢

Vehicle Secured & Held

Your vehicle is physically collected and professionally secured in Car4Loan's own garage facility for the full duration of the loan agreement.

04
💰

Funds Disbursed

Your money is transferred to your account. Repay as agreed and your vehicle is returned to you promptly upon full and complete settlement.

Built for People Who
Need Real Solutions

We combine speed, security, and full transparency — backed by a licensed institution you can trust.

Fast Approval Process

No endless paperwork or weeks of waiting. Our review process gets you an offer quickly after submitting your application and vehicle assessment.

🏢

Secure Vehicle Storage

Your car or bus is professionally stored in Car4Loan's secured, insured garage facility for the entire loan duration — safe, monitored, and well-maintained.

📊

Transparent Rates: 10–15%

Our monthly interest rates range from 10% to 15% — determined by your profile and clearly stated upfront before you sign any agreement.

🔄

Flexible Repayment Plans

Choose monthly interest + capital repayments, or interest-only monthly with capital at the end of term — whichever works best for both parties.

📅

Up to 6 Months Total

Loans run for a maximum of 3 months, with a possible further 3-month extension granted at the sole discretion of Car4Loan management.

🏛️

Licensed & Accountable

Car4Loan is powered by Cyrank Global Services — a fully licensed and regulated Nigerian money lender. Your assets are handled with complete legal accountability.

Our Loan Terms,
Plain and Simple

We believe in complete transparency. Below are the key terms governing all Car4Loan transactions — powered by Cyrank Global Services, a Licensed Money Lender.

💰 Loan Parameters

  • Minimum loan amount: ₦100,000
  • Maximum loan amount: up to 30% of vehicle's assessed market value
  • Maximum loan duration: 3 months
  • Extension: additional 3 months at the sole discretion of Car4Loan management
  • Interest rate: 10% – 15% per month based on borrower's profile

💳 Repayment Structure

  • All repayments are made on a monthly basis
  • Option A: Monthly repayment of both interest AND capital as agreed
  • Option B: Monthly interest-only payments, with full capital repaid at maturity
  • Repayment structure is mutually agreed and documented at point of signing
  • Early full settlement is permitted with no penalty charges

🏢 Collateral & Storage

  • The vehicle is physically surrendered to Car4Loan at the point of loan disbursement
  • Car4Loan retains the collateral in its secured garage for the full loan duration
  • Vehicle must have a clear, unencumbered ownership title
  • Cars must be no older than 15 years; buses no older than 20 years
  • Vehicle is returned only upon full repayment of all amounts owed

📑 Required Documents

  • Valid government-issued ID (National ID, Passport, Voter's Card, or Driver's License)
  • Original vehicle documents (registration certificate and proof of ownership)
  • Recent utility bill (within 3 months) for address verification
  • Passport photographs — 2 copies
  • Completed and signed Car4Loan application form
  • 2% processing & management fee (of principal) paid upfront prior to loan disbursement

⚠️ Late Payment & Default Policy

  • A 2% delay charge applies on any interest payment made after its due date
  • Upon loan expiry, a 7-day grace period may be granted — solely at Car4Loan management's discretion, not a guaranteed right
  • If unpaid after the 7-day grace period, immediate forfeiture of the collateral vehicle applies
  • Car4Loan reserves the right to sell the forfeited vehicle to recover all outstanding amounts
  • Borrower remains liable for any shortfall if auction proceeds do not cover the debt

🔏 General & Privacy Terms

  • All information provided must be truthful, complete, and verifiable
  • Loan approval is entirely at the discretion of Car4Loan / Cyrank Global Services
  • Car4Loan is powered by Cyrank Global Services — a Licensed Money Lender in Nigeria, promoted by Okafor Frank Chukwudi
  • Borrower data is used solely for loan processing and never sold to third parties
  • All disputes are governed by Nigerian law and subject to Nigerian jurisdiction
Check Your Eligibility

Car4Loan is open to Nigerian residents who meet the following requirements. All applicants must be willing to surrender their vehicle for the full loan duration.

  • Must be 21 years or older
  • Nigerian citizen or legal resident
  • Own a car or bus with clear, unencumbered title
  • Valid government-issued ID
  • Verifiable address (utility bill within 3 months)
  • Vehicle must be insured
  • Prepared to surrender vehicle to Car4Loan's garage
Vehicles We Accept

We accept private cars, commercial vehicles, buses, and minivans as collateral — as long as the vehicle title is clear and the condition meets our assessment criteria.

🚗 🚕 🚌 🚐
Please Note: From the moment your loan is disbursed, your vehicle will be held securely in Car4Loan's own garage. It will be returned in the same condition upon full repayment of all outstanding amounts.
Find Us Across Nigeria

Walk into any of our four offices nationwide for in-person consultations, vehicle assessments, and loan processing assistance.

Abuja (FCT)
Head Office
🏛️ HQ & Main Operations
📍
Abuja, FCT
📞
+234 812 611 3868
+234 811 309 8116
🕘
Monday – Saturday: 8:00 AM – 6:00 PM
Lagos State
South-West Hub
📍
Lagos State
📞
+234 812 611 3868
+234 811 309 8116
🕘
Monday – Saturday: 8:00 AM – 6:00 PM
Anambra State
South-East Hub
📍
Anambra State
📞
+234 812 611 3868
+234 811 309 8116
🕘
Monday – Saturday: 8:00 AM – 6:00 PM
Enugu State
Coal City Branch
📍
Enugu State
📞
+234 812 611 3868
+234 811 309 8116
🕘
Monday – Saturday: 8:00 AM – 6:00 PM
Asaba, Delta State
Niger Delta Branch
📍
Asaba, Delta State
📞
+234 812 611 3868
+234 811 309 8116
🕘
Monday – Saturday: 8:00 AM – 6:00 PM
Port Harcourt, Rivers State
South-South Hub
📍
Port Harcourt, Rivers State
📞
+234 812 611 3868
+234 811 309 8116
🕘
Monday – Saturday: 8:00 AM – 6:00 PM

Ready to Unlock the Value in Your Vehicle?

Complete your application in under 10 minutes. No obligation until you accept the offer.

Start My Application →
Official Forms

Download, Complete & Submit

Download the appropriate form below, print it, complete all fields and declarations, sign where indicated, then scan and email to cyrankglobalservices@gmail.com

🚗

Loan Application Form

Vehicle-Backed Loan Application & Bill of Sale Agreement

  • Personal & employment details
  • Vehicle collateral information
  • Bill of Sale Agreement & terms
  • 10 legal declarations & consents
  • Signature & thumb print blocks

3 pages · Print · Sign · Scan & email back

💰

Investor Application Form

Investor Application, KYC & AML Compliance Form

  • Personal & employment details
  • Source of funds & AML declarations
  • Investment terms & KYC checklist
  • 10 investor consents & rights
  • Banking info & office use section

3 pages · Print · Sign · Scan & email back

📋 How to Submit Your Completed Form

1 Download and print the relevant form
2 Complete all fields in block capitals
3 Sign & tick all declaration boxes
4 Scan clearly & email to cyrankglobalservices@gmail.com
Apply for Your Car4Loan

Fill in the form below honestly and completely. Our team reviews every application personally and will contact you within 24 hours. Powered by Cyrank Global Services — a Licensed Money Lender.

Car4Loan — Loan Application Form

Fields marked ✦ are required · Powered by Cyrank Global Services · All data is encrypted and secure.

🤖

Human Verification Required

Before filling this application, please confirm you are a real person. This protects our platform from automated submissions and ensures every application receives proper attention from our team.

Complete the CAPTCHA above to unlock the application form

👤 Personal Information
Progress auto-saved
💼 Employment & Income
Progress auto-saved
🚗 Vehicle (Collateral) Information
⚠️Important Notice: By submitting this application, you acknowledge that your vehicle will be physically surrendered to and retained in Car4Loan's secured facility for the entire loan duration.

Select your vehicle type:

🚗
Private Car
🚕
Commercial / Taxi
🚌
Bus
🚐
Minivan / Pickup
Progress auto-saved
💸 Loan Request Details
⚠️ MANDATORY PROCESSING FEE — READ CAREFULLY A non-refundable 2% of the Principal Loan Amount is payable upfront as a Fast Processing & Management Fee before any loan can be disbursed.
Example: For ₦500,000 → fee = ₦10,000 upfront  |  For ₦1,000,000 → fee = ₦20,000
Progress auto-saved
👨‍👩‍👦 Next of Kin / Emergency Contact
Progress auto-saved
📋 Application Summary
Please review your details before submitting.
📋
Bill of Sale Agreement Required

Your application cannot be submitted until you have completed, signed, and confirmed the Bill of Sale Agreement below. This is a mandatory legal requirement before any loan can be processed.

✍️ Go to Bill of Sale Form ↓
⚠️ Complete and sign the Bill of Sale Agreement below before submitting.
🔒 Encrypted & Secure · Powered by Cyrank Global Services
🎉

Application Submitted Successfully!

Thank you for applying with Car4Loan. Our team will contact you within 24 hours to arrange a vehicle assessment and discuss next steps.

Powered by Cyrank Global Services — a Licensed Money Lender.

Reference ID:

📞 +234 812 611 3868 | +234 811 309 8116

Bill of Sale Agreement

This document is auto-populated from your application form above. It must be signed prior to loan disbursement. It becomes legally active only in the event of loan default and forfeiture.

CAR 4 LOAN TURN KEYS INTO CAPITAL
BILL OF SALE AGREEMENT
Motor Vehicle Collateral · Conditional on Loan Default
REF: C4L-BOS-──────
Date: ____ / ____ / ________
⚠️ IMPORTANT — CONDITIONAL ACTIVATION NOTICE This Bill of Sale Agreement is executed and signed voluntarily by the Seller (Borrower) as a condition precedent to loan disbursement by Car4Loan powered by Cyrank Global Services. This agreement shall become legally valid, binding, and fully operative ONLY upon the occurrence of a loan default by the Borrower — specifically, failure to repay the outstanding loan amount, accrued interest, and applicable charges within the 7-day grace period (granted solely at management's discretion) following loan expiry. Upon activation, title and ownership of the described vehicle shall transfer absolutely and irrevocably to the Buyer named herein, without further notice or legal proceedings.
📋 SECTION 1 — THE PARTIES TO THIS AGREEMENT
THE SELLER (BORROWER)
Full Legal Name
 
Phone Number
 
Email Address
 
Means of Identification
 
Residential Address
 
State of Residence
 
Marital Status
 
THE BUYER (LENDER)
Cyrank Global Services
Trading and doing business under the name and style of:
CYRANK GLOBAL SERVICES
🏷️ Business Name: Cyrank Global Services · Promoters of Car4Loan
📋 Status: Licensed Money Lender operating under Nigerian law
📞 Contact: +234 812 611 3868  |  +234 811 309 8116
📍 Offices: Abuja (FCT) · Lagos · Anambra · Enugu · Asaba · Port Harcourt
🌐 Brand: Car4Loan — "Turn Your Keys Into Capital"
🚗 SECTION 2 — DESCRIPTION OF COLLATERAL VEHICLE
Vehicle Make
 
Vehicle Model
 
Year of Manufacture
 
Colour
 
Registration / Plate No.
 
Vehicle Condition
 
Engine Number
 
Chassis / VIN Number
 
Insurance Status
 
💰 SECTION 3 — CONSIDERATION (SALE PRICE)
Default Sale Price of Collateral (Equal to Loan Principal)
₦ 0.00
Amount in words: ─────────────────────────────
The above consideration equals the principal loan amount requested by the Borrower. This amount is the agreed sale price of the vehicle described herein, payable notionally by the Buyer to the Seller as offset against the outstanding loan obligation, in the event this agreement is activated by default.
Loan Principal Amount
 
Loan Duration
 
Upfront Processing Fee (2% of Principal)
 
Estimated Vehicle Market Value
 
📜 SECTION 4 — TERMS, CONDITIONS & WARRANTIES
  1. Conditional Nature: This Bill of Sale is executed as a condition precedent to loan disbursement. It shall remain dormant and shall confer no rights upon the Buyer until and unless a loan default occurs as defined in the Loan Agreement. Default shall mean failure to repay all outstanding principal, interest, and charges within any discretionary grace period granted by management.
  2. Title & Ownership: The Seller hereby declares and warrants that they are the sole and absolute owner of the vehicle described in Section 2, that the vehicle is free from all encumbrances, liens, third-party claims, and legal disputes, and that they have full legal authority to sell and transfer same.
  3. Transfer of Title on Default: Upon activation of this agreement due to loan default, all right, title, interest, and ownership in the described vehicle shall pass absolutely to the Buyer (Cyrank Global Services) without further payment, notice, demand, legal proceedings, or any other condition whatsoever.
  4. Physical Possession: The vehicle described herein shall be surrendered by the Seller into the physical custody of Car4Loan (Cyrank Global Services) immediately upon loan approval and before disbursement of funds. The vehicle shall remain in the Buyer's secured facility for the entire loan duration.
  5. Right of Sale: Upon activation by default, the Buyer shall have the right and authority to sell, transfer, assign, auction, or otherwise dispose of the vehicle to any third party at the Buyer's sole discretion, without requiring further consent or notice to the Seller.
  6. Deficiency Liability: If proceeds from the disposal of the vehicle are insufficient to cover all amounts owed by the Seller (principal, interest at 10–15% per month, late payment charges of 2% on overdue interest, processing fees, and any associated costs), the Seller shall remain personally liable for and shall promptly pay the shortfall to the Buyer. The enforcement or waiver of this deficiency right shall be at the sole discretion of the Buyer, Cyrank Global Services, who reserves the absolute right to pursue, negotiate, or waive the shortfall as they deem fit without prejudice to any other right or remedy available under Nigerian law.
  7. Representations & Warranties: The Seller warrants that: (a) all information provided in the loan application and this agreement is true, accurate, and complete; (b) the vehicle has no hidden defects not disclosed herein; (c) no third party has any claim, interest, or right over the vehicle; (d) the vehicle is not subject to any hire-purchase, finance agreement, or outstanding debt.
  8. Governing Law: This agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any dispute arising herefrom shall be subject to the jurisdiction of the competent courts of Nigeria.
  9. Entire Agreement: This document, together with the Loan Application Form and Loan Agreement, constitutes the entire agreement between the parties regarding the subject matter herein and supersedes all prior oral or written representations, negotiations, or understandings.
  10. Voluntary Execution: The Seller confirms that they have read, understood, and voluntarily executed this agreement without duress, undue influence, or misrepresentation, and has had the opportunity to seek independent legal advice prior to signing.
✍️ SECTION 5 — EXECUTION & SIGNATURES
📌 By signing below, both parties confirm they have read, understood, and agree to all terms of this Bill of Sale Agreement. The Seller acknowledges this document is signed freely and voluntarily as a prerequisite to receiving the loan from Car4Loan powered by Cyrank Global Services.
✍️ Seller's Digital Signature *Required
Sign above using mouse or touch ✗ Not yet signed
Seller's Printed Name
________________________________
Borrower / Seller  ·  Owner of Vehicle
Date Signed
Seller's Thumbprint
Right
Thumb
ID Number Confirmation
As stated in Section 1
Buyer's Signature / Company Seal 📄 Signed After Printing
Buyer Signature Space
Cyrank Global Services
Promoter: Okafor Frank Chukwudi · Trading as: Cyrank Global Services · Promoter of Car4Loan
Date Signed by Buyer
Official Company Stamp / Seal
CYRANK
GLOBAL
SERVICES
SEAL
👥 Witnessed By 📄 Completed After Printing

This agreement must be witnessed by an independent adult who is not a party to this transaction. The witness confirms they observed the Seller sign this document voluntarily.

Witness Full Name
Witness Signature
Witness Phone Number
Witness Address
Witness Occupation
Date Witnessed
⚠️ Mandatory — Sign Below to Enable Application Submission
Bill of Sale not yet signed — please sign the canvas above and tick the confirmation box
⚖️
Car4Loan · Powered by Cyrank Global Services · Licensed Money Lender · Nigeria
This is a legally binding document. Executed as a condition precedent to loan disbursement. Activated only upon loan default.
Invest in Car4Loan & Earn 4% Monthly

Have idle funds sitting in the bank earning little or nothing? Put your money to work. As a Car4Loan investor, your capital is deployed into vehicle-backed loans — secured by real physical assets — and you earn a guaranteed 4% interest every month.

4%
Monthly Interest Rate
₦500K
Minimum Investment
48%
Effective Annual Return
📊 Example Returns
₦20,000
per month on ₦500K
₦40,000
per month on ₦1M
₦100,000
per month on ₦2.5M
₦200,000
per month on ₦5M

Why Invest with Car4Loan?

  • Your investment is backed by real physical vehicle collateral held in our secured facility — not paper promises
  • Earn a flat 4% per month — paid consistently, clearly agreed upfront in your investment agreement
  • Every loan we disburse is secured by a vehicle worth more than the loan amount, giving your investment a physical buffer
  • Car4Loan is operated by Cyrank Global Services — a Licensed Money Lender in Nigeria, operating within the framework of Nigerian financial law
  • Transparent reporting — you can track how your funds are deployed across our loan portfolio
  • Fully documented investment agreement between you and Cyrank Global Services, signed by both parties
  • Strict KYC, AML checks and due diligence applied on all investors before any funds are accepted — protecting you, us, and the integrity of the business
How the Investor Approval Process Works
1

Submit Application

Fill the investor form below with full personal, financial and identification details

2

KYC Verification

We verify your identity, ID documents, utility bill and contact information

3

Due Diligence

Source of funds review, AML screening, PEP checks and background assessment

4

Approval & Agreement

Approved investors receive a signed Investment Agreement from Cyrank Global Services

5

Start Earning

Transfer funds, activate your investment and receive 4% monthly returns

⚠️ MANDATORY COMPLIANCE NOTICE — ANTI-MONEY LAUNDERING (AML) & KYC POLICY

Car4Loan powered by Cyrank Global Services operates in strict compliance with Nigerian anti-money laundering laws, the Money Laundering (Prevention and Prohibition) Act 2022, and guidelines from the Central Bank of Nigeria (CBN). All investor applications are subject to thorough KYC (Know Your Customer) verification and AML due diligence before approval. We reserve the absolute right to decline, suspend, or terminate any investment relationship where we have reasonable grounds to suspect the source of funds or the identity of the investor. Providing false information is a criminal offence. Approval is NOT automatic and may take 3–7 business days. We will contact you directly upon review.

💼

Investor Application & KYC Form

Fields marked ✦ are required · All information is treated with utmost confidentiality · Powered by Cyrank Global Services

🔐

Investor Identity Verification

As part of our AML compliance and KYC obligations, we require all prospective investors to pass a human verification check before accessing this application form. This protects the integrity of our investment programme.

Complete the CAPTCHA above to access the investor application

👤 Personal Information
📞 Contact Details
💾 Progress auto-saved
💼 Employment, Income & Source of Funds
⚖️ Source of Funds Declaration (Required by AML Law)

Under the Money Laundering (Prevention and Prohibition) Act 2022 and CBN guidelines, you are required by law to truthfully disclose the source of funds you intend to invest. Failure to disclose accurately constitutes a criminal offence. All declarations are verified through independent checks.

💾 Progress auto-saved
💰 Investment Details
📌 Investment Terms: Minimum investment = ₦500,000  |  Monthly interest = 4% of principal  |  Interest paid directly to your bank account monthly  |  Investment tenure and exit terms stated in your signed agreement
💾 Progress auto-saved
🪪 Identity Verification (KYC)
📌 Valid ID Requirement

One or more government-issued identification documents are required. All IDs must be current and valid. Expired IDs will not be accepted. Details provided here must match exactly with the supporting documents you will be asked to submit.

📁 KYC Document Submission Declaration

Please confirm which documents you have available and are ready to provide upon request. Approved investors will be contacted with instructions for secure document submission. All four categories must be satisfied before approval is granted.

National ID / Passport / Voter's Card / Driver's License
2 recent clear passport-sized photographs (white background)
PHCN, water bill, or bank statement — issued within 3 months
Most recent 6-month statement from your primary bank account
Payslip, employment letter, business registration, or tax return
Property sale agreement, inheritance letter, contract payment proof, etc.
💾 Progress auto-saved
🏦 Bank Account Details (For Returns Payment)
💡 Important

Monthly investment returns (4% per month) will be paid directly to the bank account you provide below. This account must be in your own name and must match the BVN and identity information provided. Third-party accounts will not be accepted.

👨‍👩‍👦 Next of Kin / Emergency Contact
💾 Progress auto-saved
⚖️ Compliance, AML & KYC Declarations
🏛️ Politically Exposed Person (PEP) Declaration

A "Politically Exposed Person" means a current or former senior government official, military officer, judicial official, political party executive, senior executive of a state-owned enterprise, or an immediate family member or close associate of any such person. PEP status does not disqualify you from investing but requires enhanced due diligence.

🌍 Sanctions & Criminal History Check

By submitting this form, you consent to Car4Loan / Cyrank Global Services conducting screening against Nigerian and international sanctions lists, including NFIU, ONSA, UN, OFAC, and EU sanctions lists. You also consent to background and identity verification checks through authorised channels.

Declarations & Consent

🔒 Encrypted & Secure · KYC process takes 3–7 business days · Powered by Cyrank Global Services

🎉

Application Received — Pending Review

Thank you for your interest in investing with Car4Loan. Your application has been received and is now under review by our compliance and KYC team.

Please note: this is not an approval. Our team will conduct KYC verification, source of funds review, AML screening, and due diligence before a decision is made.

INV-REF: ──────
⏳ Status: Pending KYC Review & Approval — 3 to 7 Business Days
  • 📧 Watch your email inbox for our KYC document request within 24 hours
  • 📞 Our compliance officer may call +234 812 611 3868 to verify your details
  • 📁 Prepare your ID, utility bill, bank statement and source of funds proof
  • ✍️ Upon approval, you will receive a formal Investment Agreement to sign
  • 💰 Transfer your investment only after signing the agreement — never before

Reference ID: — Keep this for your records.