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How it works

From office visit to your own keke.

Every rider follows the same steps, in the same order. Each one is recorded, and you can see where you are at any time.

  1. 01

    Book an office appointment

    Give your name and phone number and pick a time, Monday to Saturday, 9am to 5pm. You don't need an account. The office calls you to confirm, and you call the office to change or cancel.

    Booking is not an application or an approval, and we don't text you anything yet.

  2. 02

    Office check and application

    Bring your original ID and driver's licence. Our staff check them and fill in your application with you: your details, your address and landmarks, two guarantors, union or reference details, and your consent. You get an application reference.

    You don't choose a keke or a repayment plan when you apply.

  3. 03

    Your account

    At the visit we create your KekeVest account and text you a sign-in code. Signing in confirms your number, and from then on you can follow your application in your rider portal.

  4. 04

    Field verification

    Our operations team assigns a field agent to visit your address. The agent records what they find and submits a report.

    The field agent gathers evidence. They don't make the decision.

  5. 05

    Approval decision

    A reviewer decides using the evidence from your application, the office check and the field visit. If you're not approved, you'll be told the reason.

    Approval lets you see offers for 90 days. It doesn't reserve a keke or start a contract.

  6. 06

    Choose an offer

    Once approved, you see only the kekes and offers you're eligible for that are available now, with their full terms, so you can compare them before you choose.

    Choosing an offer doesn't reserve the keke. Our operations team confirms it before a contract is prepared.

  7. 07

    Contract

    Your contract is explained to you in Igbo, Pidgin or English, and signed in person or through a legally reviewed signing method. We keep the exact version you sign, and its terms are the terms you selected.

  8. 08

    Deposit

    You pay your deposit into your own dedicated account number, created when you sign. The whole deposit counts towards the principal you've paid.

    KekeVest staff never collect cash.

  9. 09

    Onboarding

    Before handover, a tracker is fitted and your rider portal is set up. You get a safety briefing and your weekly repayment schedule, and the keke's condition is recorded.

  10. 10

    Repayments

    You pay into the same account number. Sundays and public holidays are never due dates. Your portal shows your balance, every payment and the principal you've paid so far.

  11. 11

    Ownership transfer

    When you complete your contract, ownership of the keke transfers to you.

KekeVest staff meeting with a rider at the office
At your office appointment, our staff check your original documents in person.
A field agent checking a rider's documents at his address
A field agent visits your address, checks what you told us and records what they find.
A mechanic servicing an engine in a workshop
You pay your mechanic directly; your instalment carries no maintenance charge.

Rules we keep

Built to protect you

  • No cash, ever

    Your deposit and repayments go into your own dedicated account number. KekeVest staff never collect cash.

  • Fair on missed days

    We act on how much is overdue in total, not on a single missed day. Sundays, public holidays and approved hardship days are never due dates.

  • People make the decisions

    Field agents gather evidence and reviewers decide. Nobody approves their own report, and serious steps like recovery need two administrators to approve.

  • You keep your equity

    If a contract ends early, Fair-Exit means you keep the principal you've paid, less arrears and set deductions.

Read more about Fair-Exit.

Start with step one

Signing up takes your phone number and name.

Apply to own a keke Sign in or resume application