Access up to Kes 4 million in 6 hours
Need a loan against your car with no credit check? At Ngao Credit, we offer loans against your car while you still drive it, ensuring you get the funds you need without losing access to your vehicle
Access up to Kes 4 million in 6 hours
Our Advantages
Fast Loan Processing
Get a loan against your car online and receive up to Kes 4 million within 6 hours.
No Credit Check Required
We provide loans with your car as security, making it easy to access funds without a high credit score.
Flexible Repayment Plans
We offer personal loans secured by your car, ensuring manageable repayment terms.
Keep Driving Your Car
With our loans using your car title as collateral, you can still drive your car while repaying the loan.
Reliable and Transparent Services
As one of the best loans using a car as collateral providers in Kenya, we ensure transparency and excellent customer service.
How to Get a Logbook Loan Instantly
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1Submit Your Application HereEasily apply for a logbook loan online by filling out our simple form.
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2Document Submission and ProcessingSubmit a copy of your car logbook, bank/M-Pesa statements, National ID, and KRA Pin.
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3Car Valuation & Loan ApprovalOur team will evaluate your vehicle and approve your loan. Receive funds directly in your account within hours!
Customer Reviews
Ngao Credit helped me get my business back on its feet.
Upcoming Events
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Ngao Credit Deepens Partnership with Ulinzi Through Sports Donation to Snipers Basketball Team.
Ngao Credit Deepens Partnership with Ulinzi Through Sports Donation to Snipers Basketball Team.
In a continued show of support to the disciplined forces and commitment to community development, Ngao proudly donated new playing kits to the Snipers Basketball Team. The handover ceremony was held at the Ulinzi Sports Complex, where the team hosts and trains.
Second Lieutenant Kimramana received the donation on behalf of the Officer In Charge, underscoring the strong and growing partnership between Ngao and Ulinzi. The gesture reaffirms our dedication to empowering institutions that promote excellence, discipline, and unity through sports.
The Snipers, a basketball team, put the new kits to excellent use as they triumphed over the ABSA Basketball Team in a spirited match later that day.
The victory not only showcased their skill and teamwork but also marked a proud moment in the ongoing collaboration between Ngao and Ulinzi.
Snipers Basketball Team gets new kits.
At Ngao Credit, we believe in supporting initiatives that contribute to national cohesion and the holistic development of the people who serve. Through such partnerships, we aim to strengthen community ties and create meaningful impact beyond our business operations.
We look forward to witnessing the Snipers Basketball Team achieve new heights and we are excited to continue fostering the strong relationship with the Ulinzi Sports Complex. Ngao remains committed to identifying and supporting initiatives that create lasting positive impacts.
This initiative is a core part of Ngao Credit's ESG, which is dedicated to making meaningful contributions to the communities we serve. We understand that investing in local talent and providing resources for recreational activities are crucial for building a stronger, healthier, and more engaged society.
We salute the Snipers on their win and remain committed to supporting their continued journey both on and off the court.
Common Queries About Our Logbook Loans
How much can one borrow?
We offer loans with car as security, allowing you to borrow up to 70% of your vehicle’s value. The minimum loan amount is Kes 100,000, and the maximum is Kes 4,000,000.
Who is eligible for a logbook loan?
Anyone with a personal loan with a car as collateral, a registered logbook in their name, and a legal source of income.
Can I still drive my car after getting the loan?
Yes! Our loans against cars still allow you to drive your vehicle while making repayments.
What are the charges?
We have processing fees and chattel charges deducted from the loan, plus monthly car tracking fees.
How long is the repayment period?
Our repayment terms go up to 24 months, making it easy to manage your loan against a car.
Ngao Credit helped me achieve my retirement plan of becoming a farmer.