Buying a Used Car in Nigeria — The Complete Guide
Buying a used car in Nigeria can be one of the smartest financial decisions you make — or one of the biggest mistakes. This guide walks you through every step safely.
1. Set a Realistic Budget
Beyond the car price, factor in:
- Change of ownership papers — ₦50,000 – ₦100,000
- Insurance — ₦30,000 – ₦80,000/year
- Immediate servicing — ₦30,000 – ₦100,000
- Registration and plate numbers — ₦20,000 – ₦50,000
- Emergency repairs — keep ₦100,000 aside
2. Verify Documents
Never pay a naira until you have seen:
- Original vehicle licence
- Customs papers (for tokunbo cars)
- Proof of ownership (registered in seller's name)
- Road worthiness certificate
Check that the chassis number (VIN) matches all papers.
3. Inspect Physically
Meet the seller in daylight at a mechanic's shop you trust. Have the mechanic check:
- Engine sound and oil
- Transmission (test drive at least 10 minutes)
- Suspension — listen for knocks over bumps
- AC, dashboard warning lights
- Body — look for signs of accident repair
- Tyre tread and spare tyre condition
4. Confirm Ownership at FRSC / VIO
Take the licence number to the nearest FRSC office to confirm the car isn't stolen.
5. Negotiate and Pay Safely
Never pay full amount before papers are signed. Use these payment options:
- Pay on inspection — meet at a bank
- Bank transfer inside the bank (avoid cash)
- Split payment: 70% now, 30% after change of ownership
6. Complete Change of Ownership
Visit VIO or FRSC to transfer the papers into your name within 30 days.
Where to Find Used Cars on SellersDotNG
Browse our Automobile category for thousands of verified listings across Lagos, Abuja, Port Harcourt, and every state in Nigeria.
Stay safe, buy smart.