Colatr
Colatr
Bring a valid ID and an item of value — a phone, an accessory, or a vehicle — and walk away with a fair loan. Chat with our valuation assistant first, so you know roughly what to expect before you visit.
See the full process, including where your collateral is stored →
Smartphones in working condition — iPhone, Samsung, Tecno, Infinix and more.
Laptops, tablets, watches, headphones, gaming consoles and similar valuables.
Cars and motorbikes with valid registration — logbook required at appraisal.
These ranges are indicative only. Your final loan amount is confirmed after physical inspection and ID verification.
Secure storage, tagged and photographed at intake, released the moment your loan is repaid — and any surplus from a sale is always returned to you.
See the full custody process →Any storage, working condition — we're actively looking for more of these.
Ultra and standard models both wanted, especially in Excellent/Good condition.
MacBook Air/Pro (M1 or newer), PS5, and Xbox Series X/S — sell or trade in for top value.
Have one of these? Use the tool above to see what we'd offer for it — or bring it in for a same-day quote.
Phones, electronics & valuables (laptops, tablets, watches, consoles), and vehicles — see "What we accept" above for indicative ranges by category.
A percentage of your item's collateral value, which factors in its market value, condition, and how easily it could be resold. Use the calculator above for an indicative figure.
We start from an estimated market value, then apply a loan-to-value percentage based on category and condition. Final valuation happens in person after physical inspection.
Yes. You must be the legal owner, free of any other claim on it. We may decline items where ownership can't be reasonably confirmed.
You choose: 14, 30, or 90 days at intake.
A flat finance charge for your chosen term, plus a valuation fee and a redemption fee — all disclosed in writing before you sign, nothing added afterward.
Phones and accessories in locked, access-limited storage on our premises; vehicles in secure parking with the logbook held for the loan's duration. See the full custody process.
A short grace period applies, then a daily penalty on the amount you owe. If you don't respond to our notices, we may sell the collateral — any surplus after your debt and costs is returned to you.
Yes, any time — request early settlement from your account or by contacting us directly.
Once your loan is fully repaid and payment is confirmed, your collateral is released according to your agreement.
See our Privacy Policy for full detail on what we collect and how it's used.
This chat gives a rough estimate only, based on general pricing guidelines. Final loan value is always confirmed in person after physical inspection of the item and ID verification.
Payments are processed securely by Paystack. Your loan is marked paid automatically once payment is confirmed — this can take a minute to reflect.