Credit

Borrow against your vehicle.

Log-book lien · 6-24 month tenor · KES 50k-2M · monthly repayment.

Rate

3.5%-5.5% monthly

APR equivalent

51.1%-90.1% APR equivalent

Typical amount

KES 50,000-2,000,000

Typical tenor

6-24 months

Example total cost

PrincipalKsh 250,000

FeesKsh 6,500

Interest estimateKsh 52,500

Total repayable estimateKsh 309,000

2.0% facility fee
KES 1,500 NTSA/lien handling estimate
No early payoff penalty in demo policy

Estimated time to apply

~4 minutes

You can step away and resume from the same device — uploads survive a refresh.

Document checklist

National ID
KRA PIN
Logbook copy
Comprehensive insurance
Recent vehicle photos

What happens next

Check vehicle eligibility
Consent to collateral checks
Upload logbook and photos
Officer reviews valuation

If you do not qualify yet

Choose a lower amount if loan-to-value exceeds 55% of the conservative valuation.
Update insurance or clear logbook encumbrances before approval.

Document readiness

Photo capture coach

Place the document on a flat surface with all four corners visible.
Retake the photo when glare, blur, cropped edges, or unreadable numbers appear.
Capture logbook, title deed, ID, and collateral photos in daylight where possible.
Keep each upload under the byte budget so low-bandwidth borrowers can retry safely.

All four corners visible
Cropped edges can hide document type, expiry, or ownership details.Numbers are readable
ID, KRA PIN, logbook, or title numbers must be legible for verification.No glare or shadow
Glare and shadow increase manual review and resubmission risk.Owner or applicant name matches
Name mismatches need explanation before submission.Borrower can retake now
A retake before upload is faster than officer rejection later.Keep uploads low-bandwidth and retry-friendlyBorrower can retake the photo now if needed

Ready to upload clear documents

National IDKRA PINLogbook copyComprehensive insuranceRecent vehicle photos

I understand consent is required before document checksUse low-bandwidth upload guidance before retriesI can retake unclear photos before submittingI accept officer review if evidence needs checking

Ready to start consent and upload

Run eligibility check Start application →