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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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 log... ...more

News and blogs

June 24, 2025•2 min read

5 Things Every Car Owner Must Know About Logbook Loans.

Snipers Triumph in KBF Division One Thriller: NCL Proud to Support Their Winning Journey

Ngao Credit is proud to continue its partnership with the Snipers Basketball Team, who showcased resilience, teamwork, and sheer determination in their latest Kenya Basketball Federation (KBF) Men Div... ...more

CSR

June 24, 2025•1 min read

Snipers Triumph in KBF Division One Thriller: NCL Proud to Support Their Winning Journey

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

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 log... ...more

News and blogs

June 24, 2025•2 min read

Snipers Triumph in KBF Division One Thriller: NCL Proud to Support Their Winning Journey

Ngao Credit is proud to continue its partnership with the Snipers Basketball Team, who showcased resilience, teamwork, and sheer determination in their latest Kenya Basketball Federation (KBF) Men Div... ...more

CSR

June 24, 2025•1 min read

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

Ngao Credit strengthens its partnership with Ulinzi Sports Complex by donating new playing kits to the Snipers Basketball Team. ...more

CSR

May 23, 2025•1 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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