Lagos Life Cars: Buy, Sell, Respray and Drive Guide

Why Lagos Life Cars Matter for Every Player

In Lagos Life, a car changes how you move, how you look, and how you spend. You can cross a city by danfo, keke, okada, cab, on foot, or in your own vehicle, and each option has its own cost and feel. Lagos Life cars sit at the center of that choice, because they blend daily transport with long-term money decisions. Compare the purchase cost with the costs of the trips you actually make.

Here is what ownership involves at a glance:

• Cars come from showrooms, not a general Buy mode menu.
• Your garage holds up to 10 vehicles, drawn from 28 models.
• Resprays change appearance and are charged in in-game naira.
• Cars sell back for 60% of list price and carry no weekly upkeep.

This guide covers buying, trading, respraying, selling and driving, so you can plan Lagos Life cars around your budget. The official wiki pages on cars, jets, yachts and helicopters and moving inside a city were last updated 4 November 2026 and apply to the game as of 11 November 2026 (build 1794363814). Treat those numbers as a dated snapshot, not a permanent price list.

How to Buy a Car in Lagos Life

Buying a car in Lagos Life starts on your phone, not on a forecourt. Open Phone → 🚗 Cars, then head to Polanco Motors on Victoria Island to browse the stock. That two-step route is the standard purchase path for Lagos Life cars, and it keeps the showroom separate from the general Buy mode catalog used for luxury items.

City availability changes the plan, though. Abuja has its own showrooms, but Port Harcourt has none at all. If your Sim lives in Port Harcourt, you cannot walk into a local dealer — plan around that before you budget for a purchase.

Trade-In at the Point of Purchase

You do not have to sell your current car first and buy separately. The purchase screen lets you choose a vehicle to trade in, then complete the deal with a single confirmation. The button you tap depends on whether you are trading something in:

• Buy · ₦… — a straight purchase with no trade-in.
• Trade up · ₦… — hand over an existing car and pay the difference.

That flexibility matters for Lagos Life cars because it lets you upgrade without a gap in your garage. One caution: trading in a car removes its paint, so any respray money you spent disappears with the vehicle. If you have paid for a custom finish, factor that loss into the trade-up decision rather than treating the dealer's offer as pure profit.

Once the deal is confirmed, the car lands in your garage — which holds up to 10 vehicles drawn from 28 models — and you can switch to it from Phone → 🚗 Cars or 🅿️ My garage.

Garage Limits, Models and Dealer Prices

Your garage is a hard constraint, not a soft suggestion. The game caps you at 10 cars, so every purchase is really a slot decision. With 28 models in the lineup, the practical question is not "which car is best" but "which 10 deserve a place." Players who treat the garage as a collection tend to run out of room before they run out of ambition, and Lagos Life cars at the top end are exactly where that pressure bites.

The Price Spread Across 28 Models

The catalog runs from a low-cost option to a multibillion-naira model, and the anchors below show how wide that gulf is. Prices are listed in naira as of the 4 November 2026 wiki update.

The gap between the Bajaj Boxer and the Seoul Crossover is roughly ₦1.85m, and the jump from the Motown Muscle to the Bugatti is enormous. The Seoul Crossover and Motown Muscle are two further published examples, not a complete catalog. This source page does not list a price for every model, so use the showroom to inspect the vehicle you want.

Dealer Multipliers Above ₦20m

Expensive cars do not simply cost their list price. Two thresholds change what the dealer charges:

• ₦20m or more: a ×4 dealer price applies.
• ₦100m or more: a ×10 dealer price applies.
• Big Man prices: added on top of either multiplier.

Read those thresholds carefully. A car listed at exactly ₦20m qualifies, because the rule says "₦20m or more," not "above ₦20m." The same inclusive wording applies at ₦100m. That means a vehicle listed at ₦100m is not merely four times dearer at the till — it crosses into the ×10 band, so the multiplier is ten, not four. Stacking Big Man pricing on top pushes the real outlay higher again.

Use the price shown by the dealer when planning a purchase. The cars guide gives 60% of list price as the ordinary sell-back rule, but its related Big Man prices excerpt refers to a share of the amount paid. Those statements do not establish the same basis for every transaction. For a Big Man purchase, inspect the actual sale offer instead of projecting a guaranteed loss from the ordinary rate.

Respraying Your Ride: Costs and Finishes

A respray changes the appearance of a car you already own, but the paint expense does not raise its resale value. The official wiki states plainly that paint does not increase resale value or net worth, so treat every naira here as cosmetic, not investment. For players building a personal fleet of Lagos Life cars, that distinction keeps the paint budget separate from the upgrade budget.

How to Respray a Car

The paint option lives in three places, so you do not need to drive anywhere special:

• Open Phone → 🚗 Cars.
• Or visit your home garage.
• Or use Polanco's My garage.

Tap the 🎨 icon beside a car you own, then choose a colour, a finish and a look. If you change your mind, tap Factory to restore the original colour and finish. When you are happy, tap Respray to pay and apply the paint.

What a Respray Costs

The base charge is 2% of Polanco's price for that car, with a minimum of ₦25,000. Finish choice then multiplies the cost.

Two consequences follow. First, the ₦25,000 floor means cheap cars never respray for less than that figure, even when 2% of a lower dealer price would fall below it. Second, the finish multiplier applies to the respray charge, not to the car's value — a matte finish doubles your paint bill while adding nothing to resale or net worth.

Paint also stays with that specific car. Selling or trading it in removes the respray entirely, so a custom finish is money you will not recover. Save the matte and pearl treatments for cars you intend to keep, and check the official cars, jets, yachts and helicopters guide before committing.

Selling Cars and Upgrading to Luxury

Selling is where Lagos Life cars turn back into cash — but only part of it. The official wiki states that cars sell back for 60% of list price, so a ₦2.6m Motown Muscle returns ₦1.56m, and a ₦350,000 Bajaj Boxer returns ₦210,000. Cars also carry no weekly upkeep, which makes holding one cheap; the cost sits in the purchase and the depreciation, not in a recurring bill.

How the Sale Works

Open Phone → 🚗 Cars or 🅿️ My garage, tap Sell beside the car, then check the dealer's offer. You confirm with Sell for ₦… or back out with Keep it. Selling an asset takes two taps to confirm, so a stray tap will not cost you a vehicle.

Two limits matter. The guide excludes earned cars from both selling and respraying. It does not describe whether any separate removal option exists. And a sale removes any respray, which means paint money is gone for good.

The Luxury Lineup: Prices and Upkeep

Jets, the superyacht and the private helicopter live in Buy mode → 💎 Luxury. All sell back at 60% of list price, and the running costs differ sharply.

Jet upkeep covers hangar, tax and maintenance, and the game bills it on Saturdays at 9 am for every jet you own — so two jets mean two charges. Using them costs extra: flying your own jet runs ₦3m, ₦5m or ₦9m in fuel and fees by size, sailing the superyacht costs ₦5m for crew and fuel, and a helicopter ride anywhere costs ₦20 trillion. Compare that with economy fares of ₦150,000 (Lagos–Abuja), ₦120,000 (Lagos–Port Harcourt) and ₦140,000 (Abuja–Port Harcourt).

To sail, head down to the marina at Five Cowries Creek, or pick the Sail Your Yacht option while at home, then choose a berth row and set off — friends can be invited from the boat card. The official luxury guide has the full detail.

Frequently Asked Questions

These answers cover the questions players ask most about Lagos Life cars, from showroom locations to whether owning a vehicle actually saves money. All figures come from the official wiki pages last updated 4 November 2026 and applying to the game as of 11 November 2026 (build 1794363814).

Where can I buy Lagos Life cars?

Open Phone → 🚗 Cars and travel to Polanco Motors on Victoria Island. Abuja uses its own city showrooms. Port Harcourt has no car showrooms at all, so a Sim based there cannot buy locally. See the cars, jets, yachts and helicopters guide for the full purchase walkthrough.

How many cars can I keep in my garage?

The guide lists a garage capacity of 10 cars and 28 available models. Earned cars cannot be sold or repainted; the supplied instructions do not establish a separate way to remove them.

How much does a respray cost?

The paint charge is 2% of Polanco's price for the car, with a ₦25,000 minimum. Gloss uses the base paint charge (×1). Metallic is priced at ×1.25; pearl at ×1.6; matte at ×2. None of these finishes adds to resale value or net worth.

Is driving cheaper than taking a cab?

Your own car costs fuel only, per the moving inside a city guide. The guide also notes that a driver you employ makes car trips quicker and removes the fuel cost. It does not give a fuel price per trip. The normal cab calculation starts at ₦300 plus ₦15/km, with fares rounded to the nearest ₦50. The guide therefore does not establish that buying a car is always cheaper, or how many journeys would recover the purchase cost.