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Compare Situ products

Rates, fees, APR equivalents, document needs, and total cost examples before any personal information is collected.

Plan a product fit

Estimated total cost
Ksh 0
Estimated monthly
Ksh 0
DSR
999.0%
  • Amount must be positive.
  • Monthly inflow is required for affordability.
  • Estimated monthly repayment should stay at or below 35% of inflow.
  • Required documents must be ready before applying.
  • Consent must be understood before checks or uploads.
  • Acknowledge that some cases may need officer review.

Compare by buyer decision

Total cost
How much will I repay after fees and interest?
Each product shows rate, APR equivalent, fees, interest estimate, and total repayable example.
Document burden
What must I prepare before I start?
Document checklists and photo-quality guidance are visible before upload controls.
Speed vs review
Can this be automatic, or will an officer review it?
Eligibility, affordability, collateral, and partner exceptions explain when officer review is required.
Operating-system proof
Is this just another loan form?
The same journey connects credit, insurance, Soko, support, consent, receipts, and examiner evidence.
credit

Logbook loan

Vehicle owners needing secured liquidity

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Rate
3.5%-5.5% monthly
APR equivalent
51.1%-90.1% APR equivalent
Typical amount
KES 50,000-2,000,000
Example repayable
Ksh 309,000
Documents: National ID, KRA PIN, Logbook copy...
credit

Working-capital line

SMEs with repeat operating inflows

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Rate
2.8%-4.2% monthly on drawn balance
APR equivalent
39.3%-64.0% APR equivalent
Typical amount
KES 30,000-750,000
Example repayable
Ksh 159,050
Documents: Business registration, KRA PIN, 3 months statements...
credit

Import finance

Importers paying verified overseas suppliers

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Rate
2.4%-3.8% monthly
APR equivalent
32.9%-56.5% APR equivalent
Typical amount
KES 250,000-5,000,000
Example repayable
Ksh 859,600
Documents: KRA PIN, Import declaration or pro-forma invoice, Supplier invoice...
credit

Trade finance

Suppliers with LPOs or buyer-confirmed invoices

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Rate
2.2%-3.5% monthly
APR equivalent
29.8%-51.1% APR equivalent
Typical amount
KES 100,000-3,000,000
Example repayable
Ksh 532,000
Documents: LPO or buyer-confirmed invoice, Delivery note if available, Business registration...
insurance

Motor insurance

Vehicle owners comparing bundled cover

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Rate
Annual premium from 4.5% of insured value
APR equivalent
Premium financed APR from 28.0%
Typical amount
KES 12,000-180,000 annual premium
Example repayable
Ksh 49,500
Documents: National ID, Logbook copy, Vehicle photos...
soko

Vehicle import

Diaspora and local buyers sourcing vehicles

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Rate
Import service fee from 1.5% of landed cost
APR equivalent
Finance APR from 34.4% when bundled
Typical amount
KES 900,000-6,000,000 landed cost
Example repayable
Ksh 1,973,000
Documents: National ID or passport, KRA PIN, Budget confirmation...