Soko

Source your next vehicle.

JP, UK, or SA inventory. 6-week ETA. Trade-credit insurance available.

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

Typical tenor

6-week import journey; finance 6-36 months

Example total cost

PrincipalKsh 1,800,000

FeesKsh 47,000

Interest estimateKsh 126,000

Total repayable estimateKsh 1,973,000

Auction inspection estimate
Clearing and duty estimates shown before commitment
Optional insurance add-on

Estimated time to apply

~3 minutes

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

Document checklist

National ID or passport
KRA PIN
Budget confirmation
Destination and clearing instructions

What happens next

Compare landed cost
Reserve vehicle
Consent to importer checks
Track shipping and registration milestones

If you do not qualify yet

Choose a cheaper unit if duty, freight, and finance push monthly cost above budget.
Add a larger deposit to reduce FX and financing exposure.

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 ID or passportKRA PINBudget confirmationDestination and clearing instructions

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 →