Phoenix Capital – We Enable, You Prosper
Car Logbook Loan in Kenya
Unlock cash from your car without giving it up. Phoenix Capital lends against your logbook, not your vehicle — you keep the keys and keep driving while you repay.
— How This Loan is Different
What is a Logbook Loan in Kenya?
Instead of disbursing cash to you, we settle the repair invoice directly with your chosen garage — so the money goes exactly where it’s needed.
Pick your own garage
Use a mechanic or garage you already trust — we’re not tied to a single workshop.
No upfront cash needed
We pay the garage once the quote is verified, so repairs can start immediately.
Repay at your own pace
Flexible instalments sized to what you can comfortably manage.
— Process
How it works
Six steps from application to a settled bill.
How the application works
Six steps from application to money in hand. Most customers with complete documents finish the same day.
Apply
Submit the form online or visit any branch.
Valuation
Our assessor inspects and values your car.
Documents
Submit your logbook, ID and proof of income.
Offer
Review your approved amount and repayment terms.
NTSA Transfer
Logbook caveat registered for the loan period.
Get Paid
Funds land in your bank or mobile money account.
— Eligibility
Who qualifies, and what to bring
- Kenyan citizen or resident, 18 years or older
- Vehicle registered in your name, free of encumbrances
- Garage invoice or quotation (unique requirement for this product)
- National ID and KRA PIN
- 3 months' bank statements
- Valid vehicle insurance certificate