krane products
The house behind the products. Infrastructure for upward mobility.Home
Credit decisioning infrastructure for lenders.Pilot openElectric vehicle finance, with swap, charge and care.You are here
Advertising on moving vehicles.Coming soon
One app for your financial standing.Coming soonkranefinance, by krane
Electric cars, motorcycles, tricycles, scooters and bicycles, financed against what you earn every day. Swap, charge and service on one network. Pay as you earn, then own it outright.
Why kranefinance
The people who keep Nigeria's cities moving earn every day. Most rent the vehicle they drive, buy fuel at the pump each morning, and never get the chance to own anything.
Daily "balance" and work-and-pay deals take the profit from drivers and riders, and the vehicle still belongs to someone else.
Since the end of the petrol subsidy, fuel has become the biggest daily cost of moving people and goods.
Banks ask for payslips and collateral. Transport entrepreneurs have neither, so they get declined.
An electric vehicle is only as good as the next charge, the next battery and the next repair. That network barely exists yet.
kranefinance fixes all four at once: the vehicle, the credit, the energy and the upkeep.
How it works
Three steps. No payslip. No collateral. Your daily earnings are the proof.
Sign up with your phone number, share your bank or wallet statement, and pick the vehicle that fits your work.
kranekredit reads how you actually earn, across bank, OPay and Moniepoint statements, and sets a weekly plan you can keep.
We buy the vehicle. You ride it with insurance, battery swaps and servicing included, and own it on your final payment.
One plan, everything included
Financing is the start. Swap, Charge, Care and Cover keep the vehicle earning every day of the plan.
| Vehicle | Built for | Weekly from | Tenure |
|---|---|---|---|
| E-bicycle | Couriers, students | ₦6,500 | 12 mo |
| Electric scooter | Short-trip delivery | ₦11,000 | 12 mo |
| Electric motorcycle | Dispatch riders | ₦32,500 | 18 mo |
| Electric tricycle | Keke operators | ₦48,000 | 24 mo |
| Electric car | Ride-hailing drivers | ₦115,000 | 36 mo |
Deposits are optional on some plans. Every payment moves you closer to owning the vehicle, never just renting it.
Cars charge at hubs and depots. Two- and three-wheelers swap, so a dead battery never costs you a shift.
Protecting the vehicle protects your income. Cover is built into the weekly payment, so there is nothing extra to arrange.
Energy network
We bring the riders, the vehicles and the demand data. Energy partners bring power and sites. Together we build the swap and charge network Nigeria's logistics economy needs.
Forecourts, parks and depots on high-traffic routes.
Grid, solar and gas-to-power, matched to each site.
kranefinance riders become guaranteed daily demand.
Usage data shows where the next hub should go.
Impact
Every vehicle we finance replaces a fuel engine and puts an asset in the hands of the person who earns with it. We report these four numbers from our fleet, starting with the pilot.
What a driver keeps each week once fuel, rent and repairs stop eating the margin.
krane₦ / weekVehicles fully paid off and handed over to the people who drove them.
vehiclesPetrol never bought because the kilometres ran on electricity instead.
litresTailpipe CO₂ that never entered the air of Lagos, Abuja and beyond.
tonnes CO₂Built for
Built with a global perspective. Built from Africa, starting from Nigeria.
Drivers on Uber, Bolt, inDrive and other platforms who want to own their car.
Riders moving parcels, food and passengers across the city every day.
Associations that want to move their members into ownership, together.
Operators replacing fuel fleets with electric vehicles at scale.
Powered by kranekredit
Every kranefinance application runs on kranekredit, krane's credit decisioning infrastructure. It reads bank statements, bureau data and daily earnings together, so a driver with no payslip still gets a fair answer.
See kranekreditFAQs
Electric cars, motorcycles, tricycles, scooters, cargo vans and e-bicycles. We also still finance trusted fuel sedans such as the Toyota Corolla for drivers not yet on a charging route, and we are open to other vehicle requests.
No. We finance them. You choose from our list of trusted manufacturers and dealers, we buy the vehicle, and you own it on your final payment.
It depends on the vehicle and the amount, up to a maximum of 36 months. Two-wheelers usually run 12 to 18 months.
Our target is 24 hours from application to decision, inspection and papers, once your documents are complete.
For some plans, yes. Many plans start with no deposit. A deposit lowers your weekly payment.
Two- and three-wheelers swap a flat pack for a charged one at any swap station in a few minutes. Cars charge at partner hubs and depots. Worn packs are replaced under your plan.
Scheduled maintenance is part of your plan, done by EV-trained technicians at partner workshops. We remind you before each service is due.
Yes. Every vehicle we finance comes with comprehensive insurance, built into the weekly payment.
Drivers, riders, cooperatives, fleets and energy partners: there's a place for you on the network.
Our team will call you within one working day. You can also reach us on 01-700-2000.
Our credit team will reach out within two working days to book your discovery call.
Visible only to people who can edit this page. Newest first.
Loading requests.