diff --git a/app/dashboard/driver/repayment/page.tsx b/app/dashboard/driver/repayment/page.tsx
index 90eaca6..f427e1a 100644
--- a/app/dashboard/driver/repayment/page.tsx
+++ b/app/dashboard/driver/repayment/page.tsx
@@ -1,6 +1,6 @@
 import Link from "next/link"
 import { redirect } from "next/navigation"
-import { ArrowRight, Wallet } from "lucide-react"
+import { AlertTriangle, ArrowRight, CheckCircle2, Wallet } from "lucide-react"
 
 import { DashboardShell } from "@/components/dashboard/dashboard-shell"
 import { DashboardHeader } from "@/components/dashboard/investor-overview/dashboard-header"
@@ -8,9 +8,12 @@ import { ContractSummaryCard } from "@/components/dashboard/driver-hire-purchase
 import { DriverPaymentForm } from "@/components/dashboard/driver-hire-purchase/driver-payment-form"
 import { DriverPaymentsTable } from "@/components/dashboard/driver-hire-purchase/driver-payments-table"
 import { DriverVirtualAccountCard } from "@/components/dashboard/driver-hire-purchase/driver-virtual-account-card"
+import { RepaymentScheduleTable } from "@/components/dashboard/driver-hire-purchase/repayment-schedule-table"
+import { Alert, AlertDescription, AlertTitle } from "@/components/ui/alert"
 import { Button } from "@/components/ui/button"
 import { Card, CardContent, CardDescription, CardHeader, CardTitle } from "@/components/ui/card"
 import dbConnect from "@/lib/dbConnect"
+import { formatNaira } from "@/lib/currency"
 import { getSessionFromCookies } from "@/lib/auth/session"
 import { getDriverContract, getDriverPayments } from "@/lib/services/driver-contracts.service"
 import { getOrProvisionDriverVirtualAccount } from "@/lib/services/paystack-dva.service"
@@ -61,7 +64,7 @@ export default async function DriverRepaymentPage() {
             <CardHeader>
               <CardTitle>No Active Contract</CardTitle>
               <CardDescription>
-                A repayment contract must be assigned before you can make payments.
+                No active hire-purchase contract is assigned to your driver account yet. Once a contract is assigned, this repayment center will show your vehicle, schedule, arrears, and ownership progress.
               </CardDescription>
             </CardHeader>
             <CardContent>
@@ -132,7 +135,7 @@ export default async function DriverRepaymentPage() {
             <div>
               <h2 className="text-xl font-semibold leading-tight text-foreground md:text-2xl">Repayment Center</h2>
               <p className="mt-2 text-sm text-muted-foreground">
-                Make weekly fiat NGN repayments for your hire-purchase contract.
+                Track your active contract, repayment schedule, arrears, overpayments, and ownership progress.
               </p>
             </div>
             <Button asChild variant="outline" className="h-10 w-full sm:w-auto">
@@ -144,6 +147,37 @@ export default async function DriverRepaymentPage() {
           </div>
         </section>
 
+
+        {contract.arrears.status === "LATE" ? (
+          <Alert variant="destructive">
+            <AlertTriangle className="h-4 w-4" />
+            <AlertTitle>Late repayment status</AlertTitle>
+            <AlertDescription>
+              {contract.arrears.overdueInstallments} installment(s) are overdue with {formatNaira(contract.arrears.arrearsAmountNgn)} in arrears.
+            </AlertDescription>
+          </Alert>
+        ) : (
+          <Alert className="border-emerald-200 bg-emerald-50 text-emerald-900 dark:border-emerald-900/50 dark:bg-emerald-950/20 dark:text-emerald-200">
+            <CheckCircle2 className="h-4 w-4" />
+            <AlertTitle>{contract.arrears.status === "COMPLETED" ? "Ownership completed" : "Repayments current"}</AlertTitle>
+            <AlertDescription>
+              {contract.arrears.status === "COMPLETED"
+                ? "Your contract has been fully repaid."
+                : "No missed or late installments are currently due for this contract."}
+            </AlertDescription>
+          </Alert>
+        )}
+
+        {contract.overpaymentNgn > 0 ? (
+          <Alert>
+            <Wallet className="h-4 w-4" />
+            <AlertTitle>Overpayment recorded</AlertTitle>
+            <AlertDescription>
+              {formatNaira(contract.overpaymentNgn)} has been received above the contract amount and is displayed safely as unapplied value.
+            </AlertDescription>
+          </Alert>
+        ) : null}
+
         <section className="grid grid-cols-1 gap-4 xl:grid-cols-[1.1fr_0.9fr]">
           <ContractSummaryCard contract={contract} />
           <DriverVirtualAccountCard
@@ -154,6 +188,14 @@ export default async function DriverRepaymentPage() {
           />
         </section>
 
+        <section className="rounded-[10px] border border-border/70 bg-card p-4 md:p-5">
+          <div className="mb-4">
+            <h3 className="text-lg font-semibold text-foreground">Repayment Schedule</h3>
+            <p className="mt-1 text-sm text-muted-foreground">Expected weekly installments, applied payments, remaining amounts, and late status.</p>
+          </div>
+          <RepaymentScheduleTable schedule={contract.schedule} />
+        </section>
+
         <section className="rounded-[10px] border border-dashed border-border/70 bg-card/70 p-4 md:p-5">
           <div className="mb-4">
             <h3 className="text-lg font-semibold text-foreground">Paystack Checkout Fallback</h3>
diff --git a/components/dashboard/driver-hire-purchase/contract-summary-card.tsx b/components/dashboard/driver-hire-purchase/contract-summary-card.tsx
index 88e76cf..24c3435 100644
--- a/components/dashboard/driver-hire-purchase/contract-summary-card.tsx
+++ b/components/dashboard/driver-hire-purchase/contract-summary-card.tsx
@@ -1,6 +1,7 @@
-import { AlertTriangle, Calendar, CheckCircle, Receipt } from "lucide-react"
+import { AlertTriangle, Calendar, CheckCircle, Receipt, TrendingUp } from "lucide-react"
 
 import { formatNaira } from "@/lib/currency"
+import { Progress } from "@/components/ui/progress"
 import { cn } from "@/lib/utils"
 import type { DriverContractSnapshot } from "@/lib/services/driver-contracts.service"
 
@@ -69,9 +70,7 @@ export function ContractSummaryCard({ contract, className }: ContractSummaryCard
           <p className="text-xs text-muted-foreground">Repayment Progress</p>
           <p className="text-xs font-semibold text-foreground">{progressPercent}%</p>
         </div>
-        <div className="h-2 rounded-full bg-muted">
-          <div className="h-2 rounded-full bg-emerald-600 dark:bg-emerald-500" style={{ width: `${progressPercent}%` }} />
-        </div>
+        <Progress value={progressPercent} className="h-2" />
         <div className="mt-2 grid grid-cols-1 gap-1 text-xs text-muted-foreground sm:grid-cols-2">
           <p className="inline-flex items-center">
             <Receipt className="mr-1.5 h-3.5 w-3.5" />
@@ -83,6 +82,24 @@ export function ContractSummaryCard({ contract, className }: ContractSummaryCard
           </p>
         </div>
       </div>
+
+      <div className="mt-3 grid grid-cols-1 gap-3 sm:grid-cols-3">
+        <article className="rounded-[10px] border border-border/70 px-3 py-3">
+          <p className="text-xs text-muted-foreground">Total contract</p>
+          <p className="mt-1 text-sm font-semibold text-foreground">{formatNaira(contract.totalPayableNgn)}</p>
+        </article>
+        <article className="rounded-[10px] border border-border/70 px-3 py-3">
+          <p className="text-xs text-muted-foreground">Outstanding</p>
+          <p className="mt-1 text-sm font-semibold text-foreground">{formatNaira(contract.remainingBalanceNgn)}</p>
+        </article>
+        <article className="rounded-[10px] border border-border/70 px-3 py-3">
+          <p className="inline-flex items-center text-xs text-muted-foreground">
+            <TrendingUp className="mr-1 h-3.5 w-3.5" />
+            Ownership
+          </p>
+          <p className="mt-1 text-sm font-semibold text-foreground">{progressPercent}% complete</p>
+        </article>
+      </div>
     </section>
   )
 }
diff --git a/components/dashboard/driver-hire-purchase/driver-payments-table.tsx b/components/dashboard/driver-hire-purchase/driver-payments-table.tsx
index 7dac108..f9d242f 100644
--- a/components/dashboard/driver-hire-purchase/driver-payments-table.tsx
+++ b/components/dashboard/driver-hire-purchase/driver-payments-table.tsx
@@ -74,11 +74,13 @@ export function DriverPaymentsTable({ payments, emptyLabel = "No payment records
               <div>
                 <p className="text-xs text-muted-foreground">{formatDateLabel(payment.createdAt)}</p>
                 <p className="mt-1 text-sm font-semibold">{formatNaira(payment.amountNgn)}</p>
+                <p className="mt-1 text-xs text-muted-foreground">Applied: {formatNaira(payment.appliedAmountNgn)}</p>
               </div>
               {renderStatusBadge(payment.status)}
             </div>
             <div className="mt-2 grid gap-1 text-xs text-muted-foreground">
               <p>Method: {payment.method}</p>
+              {payment.overpaymentNgn > 0 ? <p>Overpayment credited: {formatNaira(payment.overpaymentNgn)}</p> : null}
               <p className="truncate">Reference: {payment.paystackRef}</p>
             </div>
           </article>
@@ -91,6 +93,8 @@ export function DriverPaymentsTable({ payments, emptyLabel = "No payment records
             <TableRow>
               <TableHead>Date</TableHead>
               <TableHead>Amount</TableHead>
+              <TableHead>Applied</TableHead>
+              <TableHead>Overpayment</TableHead>
               <TableHead>Status</TableHead>
               <TableHead>Method</TableHead>
               <TableHead>Reference</TableHead>
@@ -101,6 +105,8 @@ export function DriverPaymentsTable({ payments, emptyLabel = "No payment records
               <TableRow key={payment.id}>
                 <TableCell className="text-xs">{formatDateLabel(payment.createdAt)}</TableCell>
                 <TableCell className="font-medium">{formatNaira(payment.amountNgn)}</TableCell>
+                <TableCell>{formatNaira(payment.appliedAmountNgn)}</TableCell>
+                <TableCell>{payment.overpaymentNgn > 0 ? formatNaira(payment.overpaymentNgn) : "—"}</TableCell>
                 <TableCell>{renderStatusBadge(payment.status)}</TableCell>
                 <TableCell className="text-xs">{payment.method}</TableCell>
                 <TableCell className="max-w-[160px] truncate text-xs text-muted-foreground">{payment.paystackRef}</TableCell>
diff --git a/components/dashboard/driver-hire-purchase/repayment-schedule-table.tsx b/components/dashboard/driver-hire-purchase/repayment-schedule-table.tsx
new file mode 100644
index 0000000..fdbde6d
--- /dev/null
+++ b/components/dashboard/driver-hire-purchase/repayment-schedule-table.tsx
@@ -0,0 +1,97 @@
+import { AlertTriangle, CheckCircle2, Clock3 } from "lucide-react"
+
+import { Badge } from "@/components/ui/badge"
+import {
+  Table,
+  TableBody,
+  TableCell,
+  TableHead,
+  TableHeader,
+  TableRow,
+} from "@/components/ui/table"
+import { formatNaira } from "@/lib/currency"
+import type { DriverRepaymentScheduleItem } from "@/lib/services/driver-contracts.service"
+
+interface RepaymentScheduleTableProps {
+  schedule: DriverRepaymentScheduleItem[]
+}
+
+function formatDateLabel(value: string) {
+  const date = new Date(value)
+  if (Number.isNaN(date.getTime())) return "N/A"
+  return date.toLocaleDateString("en-NG", {
+    month: "short",
+    day: "numeric",
+    year: "numeric",
+  })
+}
+
+function renderStatusBadge(status: DriverRepaymentScheduleItem["status"]) {
+  if (status === "PAID") {
+    return (
+      <Badge className="bg-emerald-600 text-white hover:bg-emerald-600">
+        <CheckCircle2 className="mr-1 h-3.5 w-3.5" />
+        Paid
+      </Badge>
+    )
+  }
+
+  if (status === "LATE") {
+    return (
+      <Badge className="bg-red-600 text-white hover:bg-red-600">
+        <AlertTriangle className="mr-1 h-3.5 w-3.5" />
+        Late
+      </Badge>
+    )
+  }
+
+  if (status === "PARTIAL") {
+    return (
+      <Badge className="bg-amber-500 text-white hover:bg-amber-500">
+        <Clock3 className="mr-1 h-3.5 w-3.5" />
+        Partial
+      </Badge>
+    )
+  }
+
+  return <Badge variant="secondary">Upcoming</Badge>
+}
+
+export function RepaymentScheduleTable({ schedule }: RepaymentScheduleTableProps) {
+  if (schedule.length === 0) {
+    return (
+      <div className="rounded-[10px] border border-dashed border-border px-4 py-8 text-center text-sm text-muted-foreground">
+        No repayment schedule is available for this contract.
+      </div>
+    )
+  }
+
+  return (
+    <div className="overflow-x-auto rounded-[10px] border border-border/70">
+      <Table>
+        <TableHeader className="sticky top-0 z-10 bg-background">
+          <TableRow>
+            <TableHead>Week</TableHead>
+            <TableHead>Due date</TableHead>
+            <TableHead>Expected</TableHead>
+            <TableHead>Applied</TableHead>
+            <TableHead>Remaining</TableHead>
+            <TableHead>Status</TableHead>
+          </TableRow>
+        </TableHeader>
+        <TableBody>
+          {schedule.map((item) => (
+            <TableRow key={item.installmentNumber}>
+              <TableCell className="font-medium">#{item.installmentNumber}</TableCell>
+              <TableCell>{formatDateLabel(item.dueDate)}</TableCell>
+              <TableCell>{formatNaira(item.expectedAmountNgn)}</TableCell>
+              <TableCell>{formatNaira(item.paidAmountNgn)}</TableCell>
+              <TableCell>{formatNaira(item.remainingAmountNgn)}</TableCell>
+              <TableCell>{renderStatusBadge(item.status)}</TableCell>
+            </TableRow>
+          ))}
+        </TableBody>
+      </Table>
+    </div>
+  )
+}
diff --git a/lib/services/driver-contracts.service.ts b/lib/services/driver-contracts.service.ts
index 87b58af..37e7719 100644
--- a/lib/services/driver-contracts.service.ts
+++ b/lib/services/driver-contracts.service.ts
@@ -11,6 +11,24 @@ import User from "@/models/User"
 type ContractStatus = "ACTIVE" | "COMPLETED" | "DEFAULTED"
 type DriverPaymentStatus = "PENDING" | "CONFIRMED" | "FAILED"
 
+export type RepaymentScheduleStatus = "PAID" | "PARTIAL" | "LATE" | "UPCOMING"
+
+export interface DriverRepaymentScheduleItem {
+  installmentNumber: number
+  dueDate: string
+  expectedAmountNgn: number
+  paidAmountNgn: number
+  remainingAmountNgn: number
+  status: RepaymentScheduleStatus
+}
+
+export interface DriverArrearsSummary {
+  status: "CURRENT" | "LATE" | "COMPLETED"
+  overdueInstallments: number
+  arrearsAmountNgn: number
+  oldestOverdueDate: string | null
+}
+
 export interface DriverContractSnapshot {
   id: string
   driverUserId: string
@@ -30,6 +48,9 @@ export interface DriverContractSnapshot {
   progressRatio: number
   nextDueDate: string | null
   nextPaymentAmountNgn: number
+  schedule: DriverRepaymentScheduleItem[]
+  arrears: DriverArrearsSummary
+  overpaymentNgn: number
 }
 
 export interface DriverPaymentSnapshot {
@@ -44,6 +65,7 @@ export interface DriverPaymentSnapshot {
   status: DriverPaymentStatus
   confirmedAt: string | null
   failedReason: string | null
+  overpaymentNgn: number
   createdAt: string
 }
 
@@ -113,6 +135,67 @@ function computeProgressRatio(totalPayableNgn: number, totalPaidNgn: number) {
   return Math.min(Math.max(totalPaidNgn / totalPayableNgn, 0), 1)
 }
 
+function buildRepaymentSchedule(contract: {
+  startDate: Date | string
+  weeklyPaymentNgn: number
+  durationWeeks: number
+  totalPaidNgn: number
+  totalPayableNgn: number
+}, now = new Date()): DriverRepaymentScheduleItem[] {
+  const startDate = new Date(contract.startDate)
+  const weeklyPaymentNgn = clampToNonNegative(Number(contract.weeklyPaymentNgn || 0))
+  const durationWeeks = Math.max(0, Math.floor(Number(contract.durationWeeks || 0)))
+  const totalPayableNgn = clampToNonNegative(Number(contract.totalPayableNgn || 0))
+  let remainingPaidNgn = clampToNonNegative(Number(contract.totalPaidNgn || 0))
+
+  if (Number.isNaN(startDate.getTime()) || weeklyPaymentNgn <= 0 || durationWeeks <= 0 || totalPayableNgn <= 0) {
+    return []
+  }
+
+  return Array.from({ length: durationWeeks }, (_, index) => {
+    const installmentNumber = index + 1
+    const dueDate = new Date(startDate)
+    dueDate.setDate(dueDate.getDate() + installmentNumber * 7)
+    const scheduledCap = index === durationWeeks - 1 ? totalPayableNgn - weeklyPaymentNgn * index : weeklyPaymentNgn
+    const expectedAmountNgn = clampToNonNegative(Math.min(weeklyPaymentNgn, scheduledCap))
+    const paidAmountNgn = Math.min(expectedAmountNgn, remainingPaidNgn)
+    remainingPaidNgn = clampToNonNegative(remainingPaidNgn - paidAmountNgn)
+    const remainingAmountNgn = clampToNonNegative(expectedAmountNgn - paidAmountNgn)
+    const isPastDue = dueDate.getTime() < now.getTime()
+    const status: RepaymentScheduleStatus = remainingAmountNgn <= 0
+      ? "PAID"
+      : isPastDue && paidAmountNgn > 0
+        ? "PARTIAL"
+        : isPastDue
+          ? "LATE"
+          : "UPCOMING"
+
+    return {
+      installmentNumber,
+      dueDate: dueDate.toISOString(),
+      expectedAmountNgn,
+      paidAmountNgn,
+      remainingAmountNgn,
+      status,
+    }
+  })
+}
+
+function computeArrearsSummary(schedule: DriverRepaymentScheduleItem[], contractStatus: ContractStatus): DriverArrearsSummary {
+  if (contractStatus === "COMPLETED") {
+    return { status: "COMPLETED", overdueInstallments: 0, arrearsAmountNgn: 0, oldestOverdueDate: null }
+  }
+
+  const overdueRows = schedule.filter((item) => item.status === "LATE" || item.status === "PARTIAL")
+  const arrearsAmountNgn = overdueRows.reduce((sum, item) => sum + item.remainingAmountNgn, 0)
+  return {
+    status: overdueRows.length > 0 ? "LATE" : "CURRENT",
+    overdueInstallments: overdueRows.length,
+    arrearsAmountNgn,
+    oldestOverdueDate: overdueRows[0]?.dueDate || null,
+  }
+}
+
 function calculateNextDueDate(contract: {
   startDate: Date
   weeklyPaymentNgn: number
@@ -139,6 +222,9 @@ function mapContractSnapshot(contract: any): DriverContractSnapshot {
   const totalPaidNgn = clampToNonNegative(Number(contract.totalPaidNgn || 0))
   const remainingBalanceNgn = computeRemainingBalance(totalPayableNgn, totalPaidNgn)
   const weeklyPaymentNgn = clampToNonNegative(Number(contract.weeklyPaymentNgn || 0))
+  const overpaymentNgn = clampToNonNegative(totalPaidNgn - totalPayableNgn)
+  const schedule = buildRepaymentSchedule(contract)
+  const arrears = computeArrearsSummary(schedule, contract.status)
 
   return {
     id: contract._id.toString(),
@@ -159,6 +245,9 @@ function mapContractSnapshot(contract: any): DriverContractSnapshot {
     progressRatio: computeProgressRatio(totalPayableNgn, totalPaidNgn),
     nextDueDate: toIsoDate(contract.nextDueDate),
     nextPaymentAmountNgn: Math.min(weeklyPaymentNgn, remainingBalanceNgn),
+    schedule,
+    arrears,
+    overpaymentNgn,
   }
 }
 
@@ -175,6 +264,7 @@ function mapDriverPaymentSnapshot(payment: any): DriverPaymentSnapshot {
     status: payment.status,
     confirmedAt: toIsoDate(payment.confirmedAt),
     failedReason: payment.failedReason || null,
+    overpaymentNgn: clampToNonNegative(Number(payment.amountNgn || 0) - Number(payment.appliedAmountNgn || 0)),
     createdAt: toIsoDate(payment.createdAt) || new Date(0).toISOString(),
   }
 }