Lend against cars — with the data and collateral to back it.
Reach borrowers, underwrite on data no bank can see, hold collateral you can actually enforce, and service the whole loan. For banks, MFIs, SACCOs, asset-finance houses — and private lenders.
Underwrite with confidence
Price risk on the Vehicle Health Record plus on-platform repayment and transaction history — signals a traditional lender simply doesn't have.
Collateral you can enforce
A registered security interest, plus optional telematics pay-go immobilisation, turns an unlendable borrower into a lendable one.
Servicing, built in
Schedules, allocations, arrears, restructures, repossession and the ledger — the full loan lifecycle, end to end.
A complete lending stack on rails
Everything runs on one record and one ledger — so nothing falls through the cracks, and you get paid for every job.
Partner with us- Reach borrowers via BNPL, asset finance and installments
- Underwrite on vehicle + repayment + transaction data
- Pull credit-reference-bureau reports
- Secure collateral (lien / chattel mortgage / title retention)
- Pay-go immobiliser on default — especially for bodas
- Versioned schedules, allocations and early-settlement rebates
- Arrears, collections, restructures and write-offs
- Repossession → resale through the used-car marketplace
- Bring your own capital — or let Carmie service your book
How it works
List your products
Set your structures, rates, terms and eligibility — flat or reducing balance, with Islamic windows supported.
Underwrite & disburse
Make data-driven decisions and disburse to the borrower or dealer through the ledger.
Service & recover
Collect by mobile money, restructure when needed, and recover with enforceable collateral.
Grow your book, safely.
Carmie is the marketplace, the data and the servicing layer — you bring the capital, or we run it for you.
Partner with us