Fast Approval
Decisions within 24 hours
Flexible Repayment
Tailored payment plans
Trusted Partner
Licensed by CBK
Wide Asset Coverage
Vehicles, land & equipment
Current Campaigns
Mid-Year Special: Reduced Processing Fees
Get logbook loans with zero processing fees this July. Limited slots for qualifying applicants — act fast.
Back to School — Fees Loan Campaign
Ensure your child's education is uninterrupted. Apply for our school fees loan and get approved in 48 hours.
Zidisha: Zero Valuation Fee Offer
New Zidisha Business Loan applications this month come with zero vehicle valuation charges.
Regardless of your everyday financing need, Phoenix Capital offers fast, flexible, and reliable financing solutions for you:
Salary Advance Loan
Simple loans for employees who have automated salary deductions.
Asset Financing
Purchase that dream car through some of the best car financing options in Kenya.
Logbook Loan
Get the most value for your car — low-interest financing while you keep driving.
Business Loan
Quick working capital to restock and grow your business without missing beat.
Unlock fast financing in Kenya Today
Easy Loan Application Steps
Apply Online
Fill in our simple application form with your details and loan requirements in minutes.
Status Review
Our credit team reviews your application and supporting documents within hours.
Approved
Receive your offer, review the transparent terms, and sign your agreement digitally.
Receive Funds
Funds are disbursed directly to your M-Pesa or bank account on the same day.
Trusted Financing Partner
Fast 24-Hour Approval
Our streamlined process means you can go from application to funds in hand within one business day. No lengthy queues, no unnecessary delays — just results.
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Flexible Repayment Terms
We structure repayment schedules around your income cycle — weekly, bi-weekly, or monthly — so you are never stretched beyond your means.
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Keep Your Asset, Access Cash
Unlike pawnbrokers, we let you retain full use of your vehicle or property while your loan is active. Life continues uninterrupted.
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Licensed & Fully Regulated
Phoenix Capital is fully licensed by the Central Bank of Kenya. Your transactions are secure, transparent, and compliant with Kenyan law.
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Branches Nationwide
Asset Financing Rate
Loan Products
Testimonials
Thousands of clients trust Phoenix Capital for quick and reliable financing in Kenya.
FAQ
Everything you need to know before applying for financing with Phoenix Capital.
What is your loan turn-around time?
Our loans are processed within 2 hours.
I am listed on CRB. Do I still qualify?
Yes, you can still get a loan. Being listed on CRB does not disqualify you from getting a loan from Phoenix Capital Limited.
Do I need a guarantor?
No. But for some products you may be required to provide referees as part of the Know Your Customer (KYC) requirement. Note that all information we receive to aid in appraisal is confidential.
Is there a penalty for paying a loan early?
Definitely not. Why would anyone be punished for doing a good thing?
How do I reach you?
You can visit any of our branches. You may also call our office number 0747 100100, use USSD channel *568#, or reach us on our social media handles.
Can I use any garage for my car repairs when applying for a Motii-Fix loan?
We strive to ensure that customers get value for their money. This is why we have partnered with professional garages to offer topnotch service. Hey, if you like quality, you will definitely find a good fit in our garage panel.
Can I use any garage for my car repairs when applying for a Motii-Fix loan?
We strive to ensure that customers get value for their money. This is why we have partnered with professional garages to offer topnotch service. Hey, if you like quality, you will definitely find a good fit in our garage panel.
What are the requirements for a logbook loan?
Original Vehicle Logbook, 6 Months Bank or M-Pesa statements, Original ID, KRA Pin