Phoenix Capital – We Enable, You Prosper
Car Repair Logbook Loan
Get your car fixed now, pay later. Choose any garage, get a quote, and we settle the bill directly on your behalf — using your logbook as security while you repay us in flexible instalments.
— 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
Happy Client
Branches Nationwide
Counties
Loan Products
Branches available
Head Office is in Kilimani, Nairobi, with branches across the city and beyond.
Kilimani
The Arch Place, 8th Floor, Nyangumi Road
CBD
Nairobi Central Business District
Buruburu
Buruburu, Nairobi
Adams Arcade
Adams Arcade, Nairobi
Utawala
Utawala, Nairobi
Kawangware
Kawangware, Nairobi
Kasarani
Kasarani, Nairobi
Pipeline
Pipeline, Nairobi
Kiambu
Kiambu Town
Thika
Thika Town
Kitengela
Kitengela Town
Licensed lending, on the record.
Phoenix Capital Limited is licensed by the Central Bank of Kenya (CBK) as a Digital Credit Provider under the Central Bank of Kenya Act, and is listed on CBK's public directory of licensed lenders. Every loan we issue comes with a written offer, transparent terms, and a formally registered NTSA transfer — no informal side agreements.