
You only pay interest during the first two months. Pay the principal in the final month.
Say goodbye to repayment pressures
At only 7.5% , We offer competitive interest rates in Kenya.
Get a loan of up to 4 million in 6 hours.
Your time is important, and we value that.
Original Vehicle Logbook
Original PIN and ID
Latest 12 months' bank statements
Comprehensive car insurance
Post-dated cheques








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Ngao Credit Ltd. is proud to continue its partnership with the Snipers Basketball Team, who showcased resilience, teamwork, and sheer determination in their latest Kenya Basketball Federation (KBF) Men Division One matchup.
In a high-energy showdown held on Sunday at the Ulinzi Sports Complex Indoor Arena, the Snipers edged out Moischers with a 60-51 win. The tightly contested game kept fans on the edge of their seats as the Snipers fought hard to maintain control and ultimately secure the victory.
As long-standing supporters of the Snipers, we at Ngao Credit are inspired by their relentless drive and sportsmanship. Our partnership is rooted in a shared belief in discipline, passion, and pushing limits—on and off the court.
We congratulate the entire Snipers squad and coaching staff on this well-earned win and look forward to more exciting performances this season.
You can borrow up to 70% of the value of the vehicle with a minimum amount of KES 100,000 and a maximum of KES 4,000,000.
A Kenyan citizen with a legal source of income and a registered logbook.
Yes. Your car should not be older than 2006.
There are additional processing fees and chattel fees, which are deducted from the loan. Monthly car tracking charges are also capitalized as part of the loan.
There is a repayment period of up to 3 months.