V-Mobix CRC is a member-funded, interest-free vehicle acquisition, refurbishing and investment pool. Pay a one-time ₦50,000 entry & setup fee, contribute ₦10,000 monthly, save at least 40% of your target vehicle cost, and access loans up to ₦105,000,000 or $50,000 equivalent — while earning as a dealer-investor from car markups, refurbished vehicle sales, and accessories.
A rotating, member-powered vehicle acquisition, refurbishing and upgrade plan built exclusively for V-Mobix members.
Every naira comes from members. No banks, no external lenders, no interest.
Beneficiaries repay only the principal — secured by the vehicle purchased.
Contributors earn from car sale markups, refurbished vehicle sales, and accessory sales.
Every committed member acquires new, refurbishes, converts to CNG/EV, or upgrades.
Loanees must contribute not less than 40% of the vehicle cost before disbursement.
Every vehicle is mortgaged to V-Mobix CRC until the loan is fully repaid.
Transparent, verifiable, and built for scale.
| Item | Detail |
|---|---|
| Entry fee (one-time) | ₦25,000 |
| Setup fee (one-time) | ₦25,000 |
| Total entry & setup | ₦50,000 (payable on application) |
| Monthly contribution per member | ₦10,000 |
| Target contributors | 25,000 members |
| Monthly pool | ₦250,000,000 |
| Annual pool | ₦3,000,000,000 |
| 5-year pool | ₦15,000,000,000 |
| Loanee contribution | Not less than 40% |
| Loan range | ₦25,000,000 (min) – ₦105,000,000 or $50,000 (max) |
| Loan ceiling rule | 60% of vehicle cost, min ₦25M, max ₦105M / $50K |
| Repayment period | 24–48 months, interest-free, 3-month moratorium option |
| Contributor benefit | Dealer-style returns via car markups, refurbished vehicle sales, accessories |
Loan range ₦25M–₦105M at 60% of vehicle cost.
| Vehicle Cost | Loanee 40% | CRC Loan 60% | Within Band? | Funded / Month |
|---|---|---|---|---|
| ₦20,000,000 | ₦8,000,000 | ₦12,000,000 | Below min | — |
| ₦41,666,667 | ₦16,666,667 | ₦25,000,000 | Minimum | ~10 |
| ₦75,000,000 | ₦30,000,000 | ₦45,000,000 | Yes | ~5 |
| ₦125,000,000 | ₦50,000,000 | ₦75,000,000 | Yes | ~3 |
| ₦150,000,000 | ₦60,000,000 | ₦90,000,000 | Yes | ~2 |
| ₦175,000,000 | ₦70,000,000 | ₦105,000,000 | Maximum | ~2 |
Five simple steps from contributor to vehicle owner.
Register and pay ₦50,000 (₦25,000 entry + ₦25,000 setup). Activates your CRC ledger, KYC, and onboarding.
Contribute ₦10,000 monthly. Eligible once you've contributed not less than 40% of the desired vehicle cost.
Submit vehicle choice, dealer quotation, proof of 40% contribution, and KYC.
CRC disburses up to 60% (₦25M–₦105M / $50K cap). Vehicle mortgaged to CRC.
Repay interest-free over 24–48 months. Contributors earn from markups, refurbishing, and accessories.
Brand-new vehicles from dealers, financed within ₦25M–₦105M.
Accidented/used vehicles rebuilt for resale.
CNG-converted and factory CNG models.
Electric sedans, hybrids, and e-bikes.
SUVs, executive sedans, pickups.
High-end vehicles up to ₦105M / $50K loan cap.
1. Eligible members first (40%+).
2. Monthly/quarterly batches.
3. Rotation by join date.
4. CNG/EV priority.
5. Loans ₦25M–₦105M/$50K.
6. Interest-free repayment.
• Vehicle mortgaged to CRC.
• Comprehensive insurance.
• Tracker installed.
• Two guarantors.
• Default: recovery & resale.
No interest. Returns from:
• Car sale markups
• Refurbished sales
• Accessories
• Project trade surplus
• 7-member CRC Committee.
• Monthly pool statements.
• Digital CRC wallet.
• Internal + external arbitration.
Fill the form below. Pay the ₦50,000 entry & setup fee to activate your CRC ledger.
Monthly contribution of ₦10,000 begins after approval. The ₦50,000 fee is non-refundable once onboarding is completed.
Enter the administrator passcode to view the CRC back-office.
Demo passcode: VMOBIX-2026