Empowering You Financially

Handle Emergencies, Boost Your Business, and

Achieve Financial Growth

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

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.

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 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.

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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Shaping the Future: Ngao CEO to Speak on ESG at the Africa Bank 4.0 Summit

News and blogs

May 08, 2025•1 min read

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.

africa bank summitngao creditwycliffe oyierngaongao ceoceo ngao credit

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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

Shaping the Future: Ngao CEO to Speak on ESG at the Africa Bank 4.0 Summit

News and blogs

May 08, 2025•1 min read

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.

africa bank summitngao creditwycliffe oyierngaongao ceoceo ngao credit

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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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