Every payment is real before you hand over keys.
You decide the rule: release at full payment, or at a percentage you set. The system holds you to it.
For car dealers
Reserve with real money. Sell with real records.
Listings, deposits, part-payment and financing — for used-car dealers.
No card requiredSet up in minutes
2015 Toyota Corolla LE
Emeka O. · reducing balance
Price
₦11,800,000
Deposit
₦3,500,000
Monthly
₦742,600
Total repayable
₦12,411,200
- 1 · 5 May₦742,600Paid
- 2 · 5 Jun₦742,600Paid
- 3 · 5 Jul₦742,600Paid
- 4 · 5 Aug₦742,600Paid
- 5 · 5 Sep₦742,600Due
Emeka sees the same schedule, the total he will repay, and the real annual rate — 18.4%.
The problems you know
- “I'm coming tomorrow” — and meanwhile a real buyer walks
- A ₦12m alert at handover that you have to decide about on the spot
- Financing tracked in a notebook, and a dispute a year later about what was paid
- “You never gave me the customs papers”
How Smilelink handles it
A deposit takes the car off the market.
Not a phone call. The listing comes down when the money lands, and the inspection is booked in the same step.
Order #4127 · Chidinma A.
WhatsApp · today, 14:31
Transfer to this account only
9903 442 118
Wema Bank
- 2 × Jollof rice & chicken
- ₦9,000
- Delivery — Yaba
- ₦1,500
- Total
- ₦10,500
₦10,500 received. Confirmed by the bank at 14:32. Not by a screenshot.
Financing, tracked properly.
Set the deposit, rate and tenor. Smilelink builds the schedule, collects each repayment, and shows both of you exactly what's paid and what's left. Flat rate or reducing balance — and either way, the customer sees the total they'll actually repay and the real annual rate. That's not optional. It's how the good dealers want to sell.
Ownership and release are two separate things.
The buyer drives it. You hold the papers until the last {unit}. Both recorded, both dated.
Documents, receipted.
Customs papers, keys, roadworthiness, ownership — ticked off and signed for by both sides.
Facebook groups are where you already sell.
Post in the group as yourself, drop your Messenger link, and every serious buyer lands in a real sales system — prices from your actual listings, inspection bookings, deposits that take the car off the market. Not another overwhelmed inbox.
What it costs
One deposit that holds a car through a weekend covers the year.
What you'll use most
PaymentsCard, bank transfer, mobile money. Every payment confirms itself.CounterWhatsApp, Instagram, Facebook — orders taken and payments confirmed in the chats your customers already use.InvoicingProfessional, numbered, and they mark themselves paid.CustomersEvery customer, every order, every naira — built automatically.AccountingProper books that keep themselves. Statements your accountant can actually use.
Questions
Do you lend the money?
No. Your financing is your money, your rate, your customer. We do the schedule, the collection and the records.
Bank-financed buyers?
Recorded as externally financed. The bank pays you, the buyer repays them.
Set up for car dealers from the first screen.
Free to start. No card. Talk to a person any time.