The heart of the program
Drive towards ownership
Our transparent rent-to-own model means every payment moves you closer to owning your vehicle, with no hidden fees and no balloon payments. You're not just renting a ride, you're building an asset.
Riding across LagosIkejaAlausaYabaSurulereVictoria IslandLekkiAjahIkoroduOshodiGbagada
Why 10th Gear
Drive more than a vehicle. Build your future.
At 10th Gear, we make it easier for drivers and fleet operators to succeed. Whether you're starting as a courier, expanding your fleet, or working towards owning your own vehicle, we provide the financing, support, and opportunities you need to grow.
Our flexible rent-to-own model lets you start earning immediately while paying for your vehicle over time. Transparent pricing, no hidden charges, and dedicated operational support mean every payment brings you closer to ownership.
Start driving. Start earning. Start building your future with 10th Gear.
- Insured from day one
- GPS-protected
- Maintenance support
Every vehicleInsured, tracked and serviced
How it works
Four steps from application to full ownership.
No confusing paperwork. Just a clear path, the same one every rider on the program follows.
- 01
Apply & get verified
Share your ID and a guarantor. We confirm your details within a couple of days.
- 02
Get matched with a vehicle
We match you to a vehicle suited to your route: motorcycle, tricycle, or van.
- 03
Ride & pay weekly
Take the vehicle out and start earning. A simple weekly payment keeps you on track.
- 04
Own it outright
Finish your plan and the vehicle's title transfers fully into your name.
What's included
More than a vehicle. A partner for growth.
We equip drivers and businesses with the tools, opportunities, and support they need to earn consistently, grow sustainably, and build long-term wealth.
Earn from day one
Access a commercial vehicle and start generating income immediately through our network of mobility and logistics partners.
HMO health cover
Every rider is enrolled on an HMO health plan, so a medical emergency doesn't have to mean lost income too.
Mobile phone provided
We equip you with a mobile phone as part of onboarding, so you're ready to receive jobs and stay connected from day one.
Grow your income
We don't just put you on the road. We help you maximise your earning potential through continuous support and operational guidance.
Access more opportunities
Our partnerships with leading mobility and logistics companies open up more earning opportunities as the network grows.
Drive with confidence
Every vehicle is fully insured, GPS-protected, and backed by maintenance support, so you can focus on the road.
End-to-end fleet support
From onboarding and documentation to vehicle management and compliance, we handle the operational details.
Training & development
Onboarding, safety training, and ongoing support designed to help you become a more successful, professional driver.
Track your journey
Every payment moves the needle. Literally.
Drag the slider to see what your dashboard looks like at any point in the plan, from your first week riding to the day the vehicle is fully yours.
- 01Sign up & start ridingYou take the vehicle out and start earning the same day your agreement is signed.
- 02Pay weekly, watch it buildEvery payment is logged against your balance. Check it any time, no waiting for a statement.
- 03Own it outrightComplete your plan and the vehicle's title transfers fully into your name. No final lump sum.
Good evening
Olugbenga
10G-0101
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Ownership
Just getting started
RENTEDOWNED
Every payment logged against your balance
Week oneFully yours
Vehicles
Matched to your route.
The courier's workhorse. Quick through Lagos traffic, light on fuel, and ready for dispatch and ride-hailing work from day one.
Built into your weekly payment
- Insurance
- GPS tracking
- Maintenance
Running logistics? Delivery vans are available too. Ask us when you apply.
Eligibility
What you'll need to apply.
- Valid means of ID: national ID, driver's licence, or voter's card
- A guarantor who can vouch for you
- Minimum age of 21, and a valid rider's licence
- Willingness to complete a short onboarding and safety orientation
Built for the road
The streets you already know, the vehicle now yours to keep.
“I didn't have to save up for years before I could start working. I rode the bike from week one, and every payment felt like it was actually going somewhere.”
For fleet operators and investors
Run 1,000 vehicles like you run 100.
Every rider, vehicle and naira in one place, backed by 10th Gear's professional fleet operations, with the chasing done for you.
Collections that run themselves
Every payment matched to the right rider and logged against their balance in seconds.
Missed payments caught early
Reminders and warnings go out on their own, so nothing slips through the cracks.
Every vehicle on the map
Live GPS turns a recovery into a pickup, not a search.
Numbers lenders trust
Collection rate, PAR 1, 7 and 30, exportable any day.
Fleet live, Lagos
- Paid
- Due
- Overdue
FAQs
Questions riders ask us most.
Can't find what you're looking for? Reach out to our team and we'll walk you through it.
riders@10thgear.africaApply and get verified, and we'll set you up with the vehicle you requested for your Rent-to-Own plan. Most riders are on the road within a few days of approval.
Motorcycles and tricycles (keke), depending on what best suits your route and the work you do.
Insurance, GPS tracking, and maintenance support are all built into your plan. You won't pay separately for these on top of your weekly payment.
A government-issued ID (national ID, voter's card, driver's licence, or international passport), one passport photograph, your BVN, and a photocopy plus passport photograph of your guarantor.
Someone who can vouch for your character: a family member, employer, or long-standing community or business contact works well.
Yes, a small activation fee applies to start your Rent-to-Own plan. Our team discusses the exact amount with you during onboarding, based on your vehicle and plan.
Apart from the activation fee and your regular weekly payments, there are no hidden charges: no surprise fees and no final balloon payment at the end of your plan.
Once your plan is complete, the vehicle's title transfers fully into your name. No final lump sum, no extra step.
Apply now
Your next vehicle is one form away.
Tell us a bit about yourself and the kind of work you do. Our team will walk you through eligibility, available vehicles, and your weekly plan.
We typically respond within two business days.
