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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Shaping the Future: Ngao CEO to Speak on ESG at the Africa Bank 4.0 Summit
We are proud to announce that our CEO, Wycliffe Oyier, will be a featured speaker at the 16th Edition of the 16th Africa Bank 4.0 Summit, an influential event shaping the future of banking across the continent.
His keynote speech, “Sustainable Banking Metrics: Measuring ESG Performance,” will spotlight how financial institutions can build long-term value by embedding environmental, social, and governance (ESG) metrics into core banking strategies.
At Ngao Credit, sustainability is a commitment. We continuously invest in systems and partnerships that promote responsible lending, green operations, and community empowerment.
This speaking engagement underscores our leadership’s dedication to shaping a resilient, transparent, and inclusive financial future for Kenya and Africa at large.
Stay tuned as we share key insights from the summit.
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.