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

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logbook loan

5 Things Every Car Owner Must Know About Logbook Loans.

June 24, 20252 min read

5 Things Every Car Owner Must Know About Logbook Loans.

Do you own a car and need fast access to credit? Logbook loans can be a convenient and reliable solution for you. However, before using your vehicle as collateral, it’s important to understand how logbook loans work and what to expect. 

Here's what every Kenyan car owner must know:

  1. Your car logbook is the collateral

A logbook loan is a type of secured loan where your car is used as collateral. In Kenya, this financing option allows you to borrow money based on the value of your vehicle while you still use it. 

Banks and microfinance institutions such as Ngao Credit offer logbook loans. The lender keeps the logbook (vehicle ownership document) until you fully repay the loan.

Quick Tip: Ensure your logbook is in your name and your car is fully yours to qualify.

  1. You Can Still Drive Your Car

One of the main advantages of logbook loans is that you continue using your vehicle during the repayment period. You do not have to sell your car. Get the cash you need and deal with that medical, school, or business emergency without selling your car.

logbook loan

This makes it an ideal option for people who rely on their vehicles for work, business, or personal use.

  1. Loan Amount Depends on the value of your Car


The amount you qualify for depends on your car’s make, model, age, and condition. Most lenders in Kenya offer loans ranging from 50% to 80% of the car’s forced sale value.

Before offering you the loan, the bank or microfinance will need a valuation report showing how much your car is worth.

💡 Pro Tip: Keep your car in good condition and maintain up-to-date records for a higher loan valuation.

car valuation

  1. Interest Rates and Repayment Terms Vary

Logbook loans often come with higher interest rates compared to unsecured loans, due to the quick processing and reduced risk for the lender. Repayment terms can range from a few months up to 24 months, depending on the lender and the loan amount.

Always compare rates from multiple lenders and read the fine print carefully to avoid hidden fees or penalties.

 5. Timely Repayment Is Crucial

If you miss payments, the lender has the legal right to repossess and auction your car to recover the loan amount. To avoid this, ensure you have a solid repayment plan and borrow only what you can comfortably repay.

🚨 Remember: Defaulting on a logbook loan can hurt your credit score and lead to the loss of your vehicle.

Final Thoughts

Logbook loans offer a fast and flexible way for Kenyan car owners to access funds, whether it’s for business expansion, emergencies, or personal use. But like any financial commitment, they come with responsibilities. By understanding how they work and choosing a trusted lender like NCL, you can make smart borrowing decisions that protect both your finances and your vehicle.








ngao creditlogbook loanscar loancar ownerloans
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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

logbook loan

5 Things Every Car Owner Must Know About Logbook Loans.

June 24, 20252 min read

5 Things Every Car Owner Must Know About Logbook Loans.

Do you own a car and need fast access to credit? Logbook loans can be a convenient and reliable solution for you. However, before using your vehicle as collateral, it’s important to understand how logbook loans work and what to expect. 

Here's what every Kenyan car owner must know:

  1. Your car logbook is the collateral

A logbook loan is a type of secured loan where your car is used as collateral. In Kenya, this financing option allows you to borrow money based on the value of your vehicle while you still use it. 

Banks and microfinance institutions such as Ngao Credit offer logbook loans. The lender keeps the logbook (vehicle ownership document) until you fully repay the loan.

Quick Tip: Ensure your logbook is in your name and your car is fully yours to qualify.

  1. You Can Still Drive Your Car

One of the main advantages of logbook loans is that you continue using your vehicle during the repayment period. You do not have to sell your car. Get the cash you need and deal with that medical, school, or business emergency without selling your car.

logbook loan

This makes it an ideal option for people who rely on their vehicles for work, business, or personal use.

  1. Loan Amount Depends on the value of your Car


The amount you qualify for depends on your car’s make, model, age, and condition. Most lenders in Kenya offer loans ranging from 50% to 80% of the car’s forced sale value.

Before offering you the loan, the bank or microfinance will need a valuation report showing how much your car is worth.

💡 Pro Tip: Keep your car in good condition and maintain up-to-date records for a higher loan valuation.

car valuation

  1. Interest Rates and Repayment Terms Vary

Logbook loans often come with higher interest rates compared to unsecured loans, due to the quick processing and reduced risk for the lender. Repayment terms can range from a few months up to 24 months, depending on the lender and the loan amount.

Always compare rates from multiple lenders and read the fine print carefully to avoid hidden fees or penalties.

 5. Timely Repayment Is Crucial

If you miss payments, the lender has the legal right to repossess and auction your car to recover the loan amount. To avoid this, ensure you have a solid repayment plan and borrow only what you can comfortably repay.

🚨 Remember: Defaulting on a logbook loan can hurt your credit score and lead to the loss of your vehicle.

Final Thoughts

Logbook loans offer a fast and flexible way for Kenyan car owners to access funds, whether it’s for business expansion, emergencies, or personal use. But like any financial commitment, they come with responsibilities. By understanding how they work and choosing a trusted lender like NCL, you can make smart borrowing decisions that protect both your finances and your vehicle.








ngao creditlogbook loanscar loancar ownerloans
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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Sat: 8am-12pm

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Call: +254 709 650 000

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Copyright 2025. 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]

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Copyright 2024. All Right are Reserved. Ngao Credit Limited