Drive with purpose. Own your vehicle in Ghana.
Work & Pay is a life-changing vehicle ownership pathway. Operate high-demand commercial vehicles for Bolt, Uber, or taxi stations, make transparent weekly remittances, and become the full DVLA title owner.
WEEKS DURATION (~2-3 YRS)
DVLA TITLE TRANSFER
SEAMLESS PAYSTACK REMITTANCE
EARLY PAYOFF PENALTY
Work & Pay Financing Calculator
Transparent weekly remittance, security deposit, and payoff timeline. No hidden charges.
Approx. GHS 4,373 / month
Subject to driver screening, license verification, and 2 credible guarantors.
THE JOURNEY TO OWNERSHIP
6 Clear Steps to Vehicle Ownership
We believe in total transparency. Every stage of your application, handover, remittance, and ownership transfer is clearly documented with legal contracts and audit trails.
Apply Online & Screening
Submit your personal information, Ghana Card, driving license (Class B or C), and commercial driving background through our multi-step portal.
In-person Interview & Vetting
Attend our vetting center for a physical driving assessment, background verification, guarantor confirmation, and mechanical interview.
Security Deposit & Contract Signing
Review transparent legal terms, lock in your weekly remittance schedule, pay your refundable security deposit, and execute the official agreement.
Vehicle Handover
Receive a fully serviced, insured, and tracked vehicle with an exhaustive condition report and handover mileage sign-off.
Weekly Remittance
Operate independently on Bolt, Uber, Yango, or commercial stations. Remit your fixed weekly payment seamlessly via Paystack Mobile Money or Card.
Ownership Transfer at DVLA
Upon completing all installments and terms, Mr Truth Agency executes formal DVLA title and registration transfer to your name with a completion certificate.
AVAILABLE MODELS
Sample Vehicle Models & Terms
All vehicles are vetted for high fuel economy, readily available spare parts in Ghana, and high ride-hailing eligibility.
| VEHICLE MODEL | YEAR | CATEGORY | FUEL ECONOMY | TARGET BUYOUT | SECURITY DEPOSIT | WEEKLY REMITTANCE | ACTION |
|---|---|---|---|---|---|---|---|
| Toyota Vitz (Echo / Yaris Hatch) | 2016 - 2019 | Compact Hatchback | 18 - 21 km/L | GHS 110,000 | GHS 5,000 | GHS 1,010 / wk | SELECT → |
| Toyota Yaris Sedan / Belta | 2016 - 2020 | Sedan | 16 - 19 km/L | GHS 125,000 | GHS 6,000 | GHS 1,145 / wk | SELECT → |
| Hyundai i10 Grand | 2017 - 2021 | Compact Hatchback | 17 - 20 km/L | GHS 105,000 | GHS 5,000 | GHS 962 / wk | SELECT → |
| Suzuki Swift Dzire | 2018 - 2022 | Compact Sedan | 19 - 22 km/L | GHS 120,000 | GHS 6,000 | GHS 1,097 / wk | SELECT → |
| Toyota Corolla (Altis / Axio) | 2015 - 2019 | Executive Sedan | 14 - 17 km/L | GHS 145,000 | GHS 8,000 | GHS 1,318 / wk | SELECT → |
REQUIREMENTS
Eligibility & Verification Criteria
To maintain vehicle safety and integrity, all prospective drivers must satisfy the following minimum requirements:
Class B, C, or higher with at least 2 years validity remaining.
Minimum 2 years verifiable commercial driving, taxi, or ride-hailing (Bolt/Uber/Yango).
Valid national identification card required for biometrics and vetting.
Two gainfully employed or property-owning guarantors resident in Ghana.
Zero record of reckless driving, major traffic violations, or criminal background.
Recent utility bill or verified residential address in the operating region.
CHOOSE YOUR PATHWAY
Work & Pay vs. Daily Sales: Which is Right for You?
We offer two flexible commercial driving models to suit your financial goals, capital capacity, and long-term career plans in Ghana.
Work & Pay (Hire Purchase)
Ideal for drivers who want to own the vehicle permanently. Every weekly installment pays down your vehicle purchase balance until complete ownership.
- Ownership: 100% DVLA Title transferred to you at end of term
- Remittance: Fixed weekly payment (typically GHS 800 - GHS 1,100 / wk)
- Duration: 104 to 156 weeks (~2 - 3 years)
- Security Deposit: Higher initial security deposit (e.g. GHS 5,000 - 8,000)
- Early Payoff: 0% penalty — pay faster to own earlier
Daily Sales (Sales Quota)
Ideal for drivers who prefer lower initial capital commitment and maximum daily earnings. Remit an agreed daily quota (6 days a week) and keep all surplus profits.
- Ownership: Vehicle remains with Agency / Fleet Investor
- Remittance: Fixed daily sales rate (typically GHS 140 - GHS 180 / day)
- Schedule: 6 days/week (Monday – Saturday; Sunday is driver’s rest/maintenance day)
- Security Deposit: Lower deposit (typically GHS 1,800 - GHS 2,500)
- Surplus Income: Everything you make above the daily quota is 100% yours
Have a Car in Ghana? Let Mr Truth Agency Manage It for You.
Avoid the stress of rogue drivers, unpaid sales, and neglected repairs. Onboard your vehicle into our managed fleet. We provide 24/7 GPS tracking, thoroughly vetted commercial drivers, automated weekly remittances to your bank/MoMo, and routine maintenance oversight. You choose whether your car goes out as Daily Sales or Work & Pay.
QUESTIONS & ANSWERS
Frequently Asked Questions
What is Work & Pay in Ghana?
Work & Pay is a trusted vehicle financing and ownership model where commercial drivers operate a vehicle (such as a ride-hailing car, taxi, or delivery van), make agreed weekly remittances, and upon completing the contract terms, the vehicle ownership is legally transferred 100% to the driver.
How is Work & Pay different from a normal driver job?
In a regular hired driver job (under our /jobs section), the driver is an employee who receives a salary or percentage, and the vehicle remains agency property forever. In Work & Pay, every payment you make goes toward buying the car for yourself. When the contract ends, the car is legally yours.
What happens if I experience vehicle breakdown?
All handover vehicles undergo an 80-point mechanical inspection before assignment. Handover includes valid insurance, roadworthiness certificate, and tracker. Routine maintenance responsibilities are clearly outlined in the agreement, with agency assistance for major mechanical warranties.
Can I pay off my car early?
Yes! Drivers can make advance payments or settle their balance early at any point with zero early-payoff penalties. Paying off early grants you immediate ownership transfer.
How do I pay my weekly installments?
Drivers can pay directly from their phone using Mobile Money (MTN MoMo, Telecel Cash, AT Money) or debit/credit card via our integrated Paystack driver portal. Receipts and balance updates are generated in real-time.
What happens at the end of the contract?
Once your final installment is verified, Mr Truth Agency signs over all official DVLA vehicle ownership documents, issues your Program Completion Certificate, and coordinates DVLA title transfer to your name.
Ready to take the driver’s seat of your future?
Applications are reviewed on a rolling basis. Complete your online application in less than 5 minutes.