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

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

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

Our affiliate courses are designed by experts who have years of experience and proven results in the affiliate marketing industry.

ulinzi sports complex

Ngao Credit Deepens Partnership with Ulinzi Through Sports Donation to Snipers Basketball Team.

May 23, 20251 min read

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.

ulinzi sports complex

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.

Ulinzi and Ngao Credit

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.

Snipers vs ABSA

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

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.

snipers basketball team

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.

Ngao Credit X Ulinzi

We salute the Snipers on their win and remain committed to supporting their continued journey both on and off the court.

UlinziNgao CreditUlinzi Sports complexSnipers basketball teamSnipersSnipers vs ABSA
Back to Blog

What our Customer are Saying

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, 3rdFlr

0709 650 600

Thika

Maisha Heights 1st Flr

0709 650 700

Nakuru Branch

Tower one 2nd Floor Moi Road

0709 650 400

Kisumu Branch

Tuff Mall, Grd Flr

0709 650 800

Eldoret

Zion Mall, 1st Floor

0709 650 500

Meru

Royal Business Park

0709 650 900

Our Latest Articles

ulinzi sports complex

Ngao Credit Deepens Partnership with Ulinzi Through Sports Donation to Snipers Basketball Team.

May 23, 20251 min read

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.

ulinzi sports complex

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.

Ulinzi and Ngao Credit

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.

Snipers vs ABSA

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

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.

snipers basketball team

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.

Ngao Credit X Ulinzi

We salute the Snipers on their win and remain committed to supporting their continued journey both on and off the court.

UlinziNgao CreditUlinzi Sports complexSnipers basketball teamSnipersSnipers vs ABSA
Back to Blog

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.

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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)

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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.

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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.

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How quickly can I receive the loan?

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

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How can I make logbook loan repayments?

You can pay back your logbook loan via Mpesa

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Need help?

WORKING HOURS: Mon-Fri: 8am-5pm

Sat: 8am-12pm

USSD: *725#

Call: +254 709 650 000

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Copyright 2024. All Right are Reserved. Ngao Credit Limited

Need help?

WORKING HOURS: Mon-Fri: 8am-5pm Sat: 8am-12pm

USSD: *725# | Call: +254 709 650 000 |

WhatsApp: +254728290551 | Email: [email protected]

Explore Site:

Copyright 2024. All Right are Reserved. Ngao Credit Limited