Empowering Lives Transparently

At Ngao, we believe in transforming lives with honest and clear financing solutions. We provide simple, easy financial services that make a real difference.

Our Loan Products

Unlock the potential of your finances with our range of strategic financial services.

You Can get up to KES 4,000,000. All you need is a car logbook

Car Logbook Loan

Car Financing

90 Day supplier loan

Import Duty Finance

Insurance Premium Finance

Loan Buyoff

Our Loan Products

Unlock the potential of your finances with our range of strategic financial services.

You Can get up to Kes 4,000,000. All you need is a car logbook

Car Logbook Loan

Car Financing

90 Day supplier loan

Import Duty Finance

Insurance Premium Finance

Loan Buyoff

Why Choose Us

Let Us Finance your dreams

Efficient & Effective

We offer flexible repayment periods of up to 24 months. This flexibility ensures efficient and effective financial solutions tailored to your needs.

Quick Approval

Quick processing and approval process– get a loan within 6 hours of application.

Honest & Transparent

We are transparent with our rates and fees on logbook loans. No hidden charges

Excellent Customer Service

Our team works together seamlessly to provide you with exceptional customer service. Through teamwork, we ensure that your needs are met.

Why Choose Us

Let Us Finance your dreams

Flexibility

We offer flexible repayment periods of up to 24 months.

Quick Approval

Quick processing and approval process– get a loan within 6 hours! of application.

Customized financial solutions

We have customized credit solutions just for you and your needs.

120k+Happy Clients

80%Quick turn around time

9Fully functioning Branches

120k+ Happy Clients

80% Quick turn around time

9Fully functioning Branches

About us

Your Trusted Financial Partner

Ngao Credit Limited is one of the major logbook loan and car loan provider in Kenya.
Our main goal is to offer financial solutions to the underserved, through our range of loan products: Logbook Loan, 90 Day supplier loan, Import duty financing, insurance premium financing and car loans.

Ngao supports businesses and individuals achieve their financial dreams.
You can access a minimum of Kes 100,000 to Kes 4 million against your car logbook.

About us

Your Trusted Financial Partner

Ngao Credit Limited is a non-deposit-taking Microfinance institution founded with the main goal of providing financial services to the underserved.

We pride ourselves in providing unique and tailor-made financial solutions that satisfy our client’s needs in the shortest time possible and unlock possibilities for SMEs and business owners.

Request Callback

In need of a logbook loan contact us by filling this form .

Upcoming Events

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Logbook Loans: The Do’s and Don’ts

Logbook loans can be a valuable resource for obtaining quick cash in Kenya. To help you navigate the process successfully, we’ve compiled a list of essential dos and don’ts when applying for a logbook... ...more

News and blogs

June 20, 2024•4 min read

Empowering the Future: Ngao Credit Commitment to Youth Development

Ngao Credit supporting local businesses such as USD Workshop – Pallets and Furniture Kenya. ...more

CSR

May 15, 2024•2 min read

Empowering the Future: Ngao Credit Commitment to Youth Development

What our Customer are Saying

Our Branches

Nairobi Upperhill

NHIF building, 2nd floor

0709 650 100

Nairobi CBD

Eco Bank Towers, 6th Flr

0709 650 200

Mombasa

Jubilee Arcade, 2nd floor, Moi Avenue

0709 650 300

Kitengela

Kitengela Mall, 3^rdFlr

0709 650 600

Thika

Maisha Heights 1st Flr

0709 650 700

Nakuru Branch

Tower one 2^nd Floor Moi Road

0709 650 400

Kisumu Branch

Tuff Mall, Grd Flr

0709 650 800

Eldoret

Zion Mall, 1^st Floor

0709 650 500

Meru

Royal Business Park

0709 650 900

Our Latest Articles

Logbook Loans: The Do’s and Don’ts

Logbook loans can be a valuable resource for obtaining quick cash in Kenya. To help you navigate the process successfully, we’ve compiled a list of essential dos and don’ts when applying for a logbook... ...more

News and blogs

June 20, 2024•4 min read

Empowering the Future: Ngao Credit Commitment to Youth Development

Ngao Credit supporting local businesses such as USD Workshop – Pallets and Furniture Kenya. ...more

CSR

May 15, 2024•2 min read

A Journey of Impact: Commitment to Compassion

For more than 15 years, Ngao Credit has proudly supported Brydges Kids Center, and we’re delighted to share the wonderful moments we’ve created together ...more

CSR

May 14, 2024•2 min read

Logbook Loans

Where Can I Get Quick Logbook Loans In Kenya?

Ngao Credit offers logbook loans across Kenya with branches in all major towns; Nairobi, Mombasa, Nakuru, Kisumu, Kitengela, Thika, Meru and Eldoret.

What Is Your Repayment Period?

We have a monthly repayment plan of up to 24 months, you can choose your preferred period. That is, you can choose to repay the loan within a period of one to 24 months.

How Do Logbook Loans Work?

Logbook loans are loans secured against your car logbook. You get a loan of up to 60% the value of your car. For logbook loans you will still be using your car as you pay back the loan.

How long does it take to process the loan?

It only takes 6 hours provided that you have availed all the required documents. (ID, copy of logbook, KRA Pin, bank Statements)

Do you offer motorbike logbook loans?

No! For now, Ngao Credit only offers car logbook loans.

What is your interest rate?

We have flexible interest rates dependent on the product you choose. Refer to products and the calculator on this website.

What is your minimum & Maximum loan amount?

Our minimum loan amount is KES 100,000 and a maximum of KES 4, 000,000.

How do I know if I will qualify for a loan?

At Ngao Credit we offer secure loans against car logbooks. To qualify you MUST have a car as security for the loan

Do logbook loans require Credit checks?

To get a logbook loan, CRB checks are not required.

How can I complete a logbook loan application?

The quickest way to apply is to fill an online application form or fill a request a callback form on the Ngao Credit website. One of our agents will call you to initiate the loan process.

How quickly can I receive the loan?

Often the same day. Once the application is completed, the money will be transferred to your bank.

How can I make logbook loan repayments?

You can pay back your logbook loan via Mpesa

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