The Best Logbook Loan Providers


To get a logbook loan, you should produce your original logbook to serve as a security document during the transaction. Also, you need to provide the vehicle’s valuation report and Ksh 4,000 to kick off the process. Besides, the loan applicants are required to give a personal six months bank account statement. Apart logbook loan providers, you can consider online loan apps for small facilities.

According to many logbook loan providers, one can get a loan as low as Ksh. 15,000 to as high as Ksh. 5 million. Also, you can get the loan within 24 hours after approval

Top Logbook Loan Providers in Kenya

Logbook loan provider Requirement   Contact Location
Ngao Credit
  • Original logbook
  • Original ID and PIN
  • Latest six months bank statement
  • Comprehensive insurance
  • Valuation fee of Ksh 4,000 Post-dates cheque

0709 650000

  • Nairobi
  • Mombasa
  • Nakuru
  • Kitengela
  • Eldoret  
Jijenge Credit
  • 2 copies of original ID
  • Recent passport-sized photo
  • Original vehicle logbook
  • Sales agreement
  • Copy of KRA Pin
  • Valid comprehensive insurance cover



0703 282727

  • Nairobi
Mwananchi Credit
  • Original car or motorbike logbook
  • Applicant KRA PIN
  • Original national ID
  • 6 months bank statement
  • Comprehensive insurance cover
  • Two passport-sized photos

0709 147000

  • Nairobi
  • Kitengela
  • Kisumu
  • Thika
  • Eldoret
  • Mombasa  
Fin Credit Limited
  • Copy of ID or valid passport for non-Kenyan citizen
  • Copy of PIN
  • Utility bill copy
  • 3 months certifies pay slips
  • 6 months bank statement
  • Signed chattels mortgage document

+254 20 3861673-5

  • Nairobi
Meridian Acceptance Limited  
  • Original logbook
  • Personal ID or passport
  • Proof of income
  • Vehicle age from year 2000

0704 444888

0707 787787

  • Nairobi
Africa Credit Limited
  • 6 months personal or business bank statement
  • National ID or Passport copy
  • PIN certificate
  • Utility bill
  • Original logbook and copy Car valuation report and a photo
  • Nairobi
Wezesha Credit Limited
  • Address proof
  • Kenyan ID
  • 6 months financial statement
  • Original vehicle logbook
0796 580580
  • Nairobi
KCB Bank
  • 3 months KCB account
  • Original logbook
  • Valid Kenyan Id or passport
  • Latest original pay slips


0732 187000

0720 287000

  • Nairobi
  • Logbook in your name
  • Personal ID or passport
  • Income proof

0768 469112

  • Nairobi
  • Mombasa
  • Eldoret
  • Kisumu
Bidii Credit Limited
  • Proper working vehicle under your name
  • Employed for more than 2 years
  • Latest utility bill
  • Clean credit history
  • Motor vehicle logbook and valuation

0709 840000

  • Nairobi

List of Instant Logbook Loan Providers in Kenya

1. Ngao Credit 

Ngao credit is a non-deposit-taking microfinance institution that offers financial services. It offers logbook loans up to 60% of the value of your vehicle. To access the loan, you need to provide the vehicle’s original logbook, your original ID, and KRA PIN.

Besides, the logbook loan provider requires your last six months’ bank statement and comprehensive insurance.  You also pay Ksh. 4,000 for the valuation of your vehicle. Lastly, it takes about 6 hours for Ngao Credit to process your loan.

2. Jijenge Credit

Jijenge Credits offers quick logbook loans for successful applicants. Within 24 hours, the company disburses your loan through Mpesa, cheque, or bank account. The logbook loan provider gives a period of 1 to 12 months to repay your loan. The minimum amount you can borrow is Ksh. 50,000, while the maximum is Ksh. 10,000,000.

To qualify for the loan, you need to provide two copies of your original ID, the KRA Pin, and the vehicle’s logbook. The logbook loan provider also requires your passport, vehicle insurance cover, motor valuation report, and the sales agreement.

3. Mwananchi Credit Limited         

Mwananchi Credit is a leading provider of car and motorbike logbook loans in Kenya. The lender processes your logbook loan within 6 hours after a successful application. Whether you have a private, commercial, or passenger vehicle, you can access a logbook loan.

Besides, you can get up to 80% of your motor’s value. The logbook loan provider gives you 1 to 24 months to repay your loan. At Mwananchi Credit, you can access a loan between Ksh. 150,000 to Ksh. 20,000,000 depending on your vehicle’s market value.

4. Fin Credit Limited

Fin Credit allows you to offer your car as a security for a loan. The logbook loan provider gives you up to 12 months to repay your loan. You get up to 50% of your vehicle’s value. Besides, the company allows you to continue using your car while enjoying the loan.

You can apply as an individual or group as long as you have a vehicle. For individual applications, you should provide a copy of your ID, PIN, and utility bill. Also, provide your three months certified pay slips and six months certified bank statement. Also, you need to give a signed chattels mortgage document and a report of your vehicle valuation.

5. Meridian Acceptances Limited

Meridian is a finance company that allows you to get a loan as you continue to drive your vehicle. You can get a loan worth 60% of the value of your motor. Also, the logbook loan provider processes it within 6 hours after application.

The cheap logbook loans from Meridian Acceptance ranges between Ksh. 150,000 to Ksh. 5,000,000. You pay back the loan in installments depending on the repayment period you choose. Finally, your vehicle must age from the year 2000 to access a logbook loan.

6. Africa Credit Limited

At Africa Credit Limited, you can enjoy a logbook loan of up to Ksh. 500,000 within 24 hours. You need to provide your six months’ personal or business bank statement. Also, a copy of your PIN certificate and the vehicle’s records with KRA is required.

The logbook loan providers require you to fill a loan application form that you submit for approval. You can visit their offices in Nairobi to inquire more about logbook loans.

7. Wezesha Credit Limited

 The company provides quick logbook loans processed within 5 hours. Besides, Wezesha accepts most vehicles older than ten years. To successfully apply for a loan, you need to provide your address proof and the original vehicle logbook.

 The logbook loan provider also needs your passport-sized photo, financial statement for the last six months, and a copy of your KRA pin. Enjoy a logbook loan from Wezesha as you continue to drive your car.

8. KCB Logbook Loans

KCB is one of the best banks in Kenya that offers people logbook loans. The bank gives you a flexible repayment period of up to 72 months. To qualify for the loan, you need to have an active KCB account for a minimum of three months and provide your vehicle’s logbook as security.

Also, you need to provide your valid Kenyan ID or passport, latest original pay slips, and proof of your source of income. The logbook loan provider charges an interest of 13%.

9. Mogo

Mogo logbook loan requirements are flexible. The company gives you a loan of up to 80% of your car’s value. You are given a repayment period of up to 5 years. Also, when you apply for a loan, you access it within the next 24 hours.

The logbook loan provider offers loans from Ksh. 100,000 to Ksh. 1,500,000. If you want a logbook loan in Mombasa, you don’t have to worry. With a car of any make or age, Mogo can lend you.

10. Bidii Credit

It is a logbook loan provider in Nairobi. Bidii offers you a loan of up to 60% of your car’s value. To qualify for the loan, you must have operated a licensed or registered business for more than two years. Also, if you have been employed for more than two years, you can get a loan.

You need to provide your vehicle’s logbook and valuation report to the company. Access a logbook loan in Thika through Bidii Credit to pay your child’s school fees or expand your business.

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