Best Instant Logbook Loans in Kenya

Instant Logbook loans in Kenya

Life sometimes brings unexpected financial requirements, and there are moments when we need some money quickly. In Kenya, where having instant access to cash can make a big difference, instant logbook loans have become a popular solution.

But with so several options available, it can feel confusing to choose the right logbook loan financier.  This guide will take you through the world of Instant Logbook loans in Kenya, with Ngao Credit leading the way as your best choice.

What are Logbook Loans?

So what exactly is a logbook loan? Imagine this: your car is sitting idle, but it holds a hidden potential – instant cash. Logbook loans makes use of your car’s logbook as collateral security to get you a loan.

Logbook loan in Kenya

You borrow a percentage of your car’s value, pay back the loan with interest, and continue driving your car as usual. It’s a win-win situation: you get the cash you need, and your car stays with you.

In simple terms, you just submit your logbook to a finance institution, they give some cash in the form of a loan,

Why are Instant Logbook Loans so Popular in Kenya?

Here’s why Logbook loans are great:

  • Instant: No more waiting for weeks to get your loan approved by banks. With Instant Logbook loans, you can have cash in your hand in 6 hours or less with such companies like Ngao Credit, sometimes even faster if all documents are available!
  • Flexible: Whether you need a small sum for an emergency or a larger amount for an investment, Logbook loans offer different loan amounts to meet various needs.
  • No Salary Payslips Required : Unlike traditional loans, Logbook loans don’t require salary payslips
  • No CRB Checks:  No CRB checks for loan approval. Your car is your guarantee/collateral security, making it accessible even for those with limited credit history.
  • You Keep Driving Your Car: Unlike Shylock loans who keep your car in their yard, you get to keep driving your car with a Logbook loan. It is very convenient.
  • Longer repayment period – Some car loan finance institutions like Ngao Credit allow you to repay your loan for as many as 24 months.

Why Choose Ngao Credit for Your Instant Logbook Loan in Kenya?

Ngao Credit stands out as a leading Kenyan Logbook loan provider because of its commitment to customer satisfaction and ethical lending practices.

Quick logbook Loans in Kenya

They have very good lending practices and you will rarely hear any issues with their lending like other companies e.g Pl.. I don’t want to mention names here. My friends have used their services previously and have never had any negative issues.

Here’s why Ngao should be your top choice for a quick logbook loans in Kenya:

  • Fast Loan Processing and Disbursement: Get your loan approved and disbursed in as 6 hours. Ngao Credit understands that time is money. If you really want quick logbook loans, Ngao Credit is the place to go. They are way faster compared to Equity bank logbook loans which may take weeks to be approved and disbursed (from experience).
  • Good loan amounts: Ngao gives loans up to 60% value of the car depending on the YOM. They give loan principle amounts from Ksh. 100,000 up to Ksh. 5,000,000.
  • Favourable Interest Rates: They offers some of the best interest rates on Logbook loans in Kenya, ensuring you get the best deal for your money. Ngao Credit has some of the cheapest logbook loans in Kenya with their interests starting as low as 5%.
  • Transparent Terms: No hidden fees or surprises. Ngao Credit believes in clear communication and upfront information, building trust with every customer. They always ready to share the loan terms beforehand including monthly repayments.
  • Flexible Repayment Period: Choose a repayment plan that suits your budget, with flexible repayment periods ranging from 1 month to 24 months for logbook loans.
  • Fast Release of Logbooks: They release logbooks immediately one clears their loan unlike some other companies.
  • Customer data confidentiality: They do not contact anyone else about your loan details.
  • Good Customer Service: Ngao Credit’s dedicated team is always available to answer your questions and guide you through the process, making the experience stress-free and efficient.

Logbook Loan Requirements for Ngao Credit

  • Original logbook, Original PIN and ID
  • Comprehensive Car Insurance (insurance can be financed)
  • Original Vehicle logbook, Original PIN and ID
  • Latest 12 months bank or Mpesa statements

Not Just Providing Loans: Ngao Credit’s Commitment to the Community

Ngao Credit goes beyond just providing loans. They understand the financial challenges Kenyans face and are committed to empowering communities.

They offer financial literacy workshops and entrepreneurial support programs to help customers not just borrow but also build financial resilience and achieve their goals.

Get Your Instant Logbook Loan with Ngao Credit

Ready to get some instant cash with your logbook as your collateral security?

Logbook loan in Kenya

The logbook loans online process with Ngao Credit is very simple:

Just fill out this online form and a representative of Ngao Credit will call you back shortly.

The full procedure is a follows:

  • Apply Online: Fill out the quick online form above
  • Get Pre-approved: Within minutes, you will receive a pre-approval with your loan amount and estimated interest rate.
  • Submit Documents: Provide your car logbook, ID, and other basic documents.
  • Get Funded: Once approved, your loan is disbursed directly to your bank account or Mpesa number.

It is good to note that Ngao does not offer motorcycle logbook loans.


Instant Logbook loans can be very helpful during financial emergencies or to help you grow your business. Choosing the right loan provider is crucial.

With Ngao Credit’s combination of fast loan processing, transparency, good interest rates, ethics, and community-focused approach, you can be confident you are getting the best deal.

You will be partnering with a company that truly cares. So, the next time you need a financial boost, remember Ngao Credit – your trusted partner in the world of Instant Logbook loans in Kenya.

Disclaimer: This guide is for informational purposes only and does not constitute financial advice. Please consult with a qualified financial professional before making any borrowing decisions. Borrowing responsibly is important. Always assess your financial situation and borrow only what you can afford to repay.


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