Shock Memo: Police Officers to Pay Millions for Motorcycles and Tricycles Through Long-Term Salary Deductions
By Passman Akpos
A newly uncovered internal document from the Nigeria Police Force has revealed yet another “welfare” loan scheme under which officers can acquire motorcycles, tricycles and mini buses through long-term salary deductions — some stretching for nearly seven years.
The arrangement was brokered between the Nigeria Police Cooperative Multi-Purpose Society Ltd and Winview Microfinance Bank Ltd, according to a wireless message dated November 11, 2025, and circulated to top police commands, formations, colleges and specialised units nationwide. The message was also copied to the Inspector-General of Police Secretariat in Abuja.
The memo introduces Winview Microfinance Bank as the partner supplying the vehicles and lists the repayment plans already approved for officers. The offer includes:
NPF Bajaj Boxer Motorcycles at ₦2,090,207.92, with officers paying ₦49,768.05 monthly for 42 months.
TVS Tricycles priced at ₦4,717,103.63, to be repaid over 80 months at ₦58,963.80 per month.
Suzuki Mini Buses costing ₦5,877,323.67, payable over 80 months at ₦73,466.55 monthly.
Each item comes with a one-year warranty, and all payments will be deducted directly from officers’ salaries via the federal government’s IPPIS platform. Forms for enrolment are to be made available free of charge at cooperative shops across the country.
The signal, marked CB:4780/COOP/VOL.2/60, urged commands to treat the information as “very important,” noting that the products are part of the ongoing welfare programme initiated by the Inspector General of Police.
A Growing Pattern of Salary-Deduction Welfare Schemes
This newly uncovered deal follows a series of similar initiatives reported throughout 2025, raising concerns among officers about rising financial obligations tied directly to their pay.
In July, SaharaReporters revealed that the police cooperative had introduced high-end Spiro Electric Motorcycles to personnel on loan. In that scheme — also part of the IGP’s welfare programme — officers were offered electric bikes costing ₦1.9 million, with ₦45,000 deducted monthly for 43 months through IPPIS. The supplier in that arrangement was Joafol Communications.
Earlier in March, another wireless message introduced Bulk Stalker Engineering Limited as the supplier of tricycle trucks, taxi trikes, ambulances and other utility vehicles at ₦5.5 million, with officers required to pay ₦90,000 monthly for 60 months.
Like the latest deal, all payments were to be deducted directly from police salaries.
Rising Concerns Among Officers
While the Nigeria Police Cooperative describes these initiatives as welfare interventions intended to empower officers with mobility and income-generating assets, internal reactions suggest growing unease. Officers have raised concerns about:
High unit prices,
Lengthy repayment durations,
Multiple overlapping welfare schemes, and
Heavy salary deductions that could erode take-home pay.
The police authorities have not yet issued a public statement on the latest revelations.
However, observers note that the increasing number of salary-backed “welfare loans” — spanning motorcycles, tricycles, mini buses, electric bikes and tricycle trucks — signals a coordinated but controversial shift in how the force implements welfare support for its personnel.
