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 Car Repair 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.
How the application works
Six steps from application to money in hand. Most customers with complete documents finish the same day.
Get a repair quote
Visit your preferred garage and request a repair quotation or invoice..
Apply
Submit your application together with your logbook, ID and the repair quotation.
Verification
Our team verifies your documents, vehicle details and the repair quotation.
We pay the garage
Once approved, Phoenix Capital pays the verified repair invoice directly to the garage.
Collect your vehicle
Once the repairs are complete, collect your vehicle from the garage.
Repay monthly
Repay the loan in flexible monthly instalments while continuing to use your vehicle.
— APPLY
Start your car repair loan application
- Kenyan citizen or resident, 18 years and above
- Vehicle logbook registered in your name
- National ID and KRA PIN
- 6 months' bank/M-Pesa statements
- Garage invoice of parts needed
Branches available
Head Office is in Kilimani, Nairobi, with branches across the city and beyond.
Kilimani
8th Floor, The Arch Place, Nyangumi Road
CBD Town
12th Floor, Finance House, Loita Street
Hurlingham
4th Floor, Marala Oasis
Buruburu
2nd Floor, Fairline Centre
Utawala
1st Floor, Grey Park Annex
Kiambu
8th Floor, Bishop Ranji House
Thika
1st Floor, Maisha Heights
Kitengela
3rd floor Kitengela Mall
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.
— Apply
Start your application
Frequently Asked Questions
What is a car repair loan?
A car repair loan is a short-term facility that finances the cost of repairing your vehicle — for example, after an accident, mechanical breakdown, or routine major service. Unlike our other logbook products, funds are not disbursed to you in cash. Instead, Phoenix Capital pays the approved garage directly on your behalf once the work is agreed and confirmed.
Why does Phoenix Capital pay the garage directly instead of giving me the cash?
This protects both you and Phoenix Capital: it guarantees the funds are used specifically for the repair, gives you leverage to negotiate with the garage knowing payment is confirmed, and reduces the risk of loan proceeds being diverted elsewhere before your car is actually fixed.
What documents do I need?
- National ID and KRA PIN
- Vehicle logbook (used as security, similar to a standard logbook loan)
- A detailed repair quotation or invoice from the garage, listing parts and labor costs
- Comprehensive insurance certificate for the vehicle (where applicable)
- Proof of income
How much can I borrow, and what's the interest rate?
The loan amount is based on the garage’s quotation and the value of your vehicle as security, up to a limit tied to your vehicle’s value. As a logbook-secured product, the standard 4% per month reducing-balance rate applies.
Can I use any garage I want?
You’re welcome to get a quotation from your preferred garage; our team will verify the quotation and the garage’s details before releasing payment. We may also recommend trusted partner garages if you’d like a faster, pre-verified option.
What happens once the loan is approved?
- You submit the garage’s quotation along with your documents.
- We assess your vehicle and the quotation.
- Once approved, Phoenix Capital pays the garage directly — not you.
- The garage carries out the repair.
- You confirm the repair is complete and satisfactory.
- You begin repaying the loan per your agreed schedule.
What if the actual repair cost ends up higher than the original quotation?
Any variation from the original quotation (for example, if the garage identifies additional faults once the car is opened up) needs to be communicated to us for approval before extra funds are released — we don’t automatically cover costs beyond the agreed quotation.
Do I keep driving the car during this process?
Since the loan is for repairing your vehicle, the car is typically at the garage during the repair itself. Once repairs are done and it’s back in working order, you resume normal use while repaying the loan.
How do I apply?
Visit a branch or apply online with your business and personal documents. Our team will assess your application, may request additional information, and issue a loan offer detailing the amount, rate, and repayment terms.