Phoenix Capital – We Enable, You Prosper
Medical Emergency Logbook Loan
When medical expenses can’t wait, your vehicle can help. Use your logbook as security to access emergency funds quickly, helping you pay for treatment, hospital admission, surgery, or medication when you need it most.
Up to KSh 1,000,000
Hospital bills, treatment or medication
Approval in as little as 2 hours
Borrow up to 70% of market value
— Medical Emergency Funding
Fast, calm, and transparent
Medical emergencies can happen without warning. Use your vehicle as security to access funds quickly for hospital bills, treatment, surgery, or medication, with fast approvals and flexible repayment options.
Priority processing
Emergency applications are fast-tracked. Most approvals happen within a few hours.
Pay the hospital directly
We can disburse straight to the healthcare provider, or to you — your choice.
Transparent terms, even under pressure
Every loan comes with a written offer. No hidden charges, even in an emergency.
— Process
How it works
Six steps from application to a settled bill.
Call or Apply
Reach us by phone, WhatsApp, or the online form.
Fast Valuation
An assessor values your car as quickly as possible.
Documents
Submit your logbook, ID and proof of income.
Approval
Review and sign your offer.
Funds Sent
Money lands in your bank or mobile money account.
— Eligibility
Who qualifies, and what to bring
- 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
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 medical logbook loan?
It’s a logbook-secured loan designed for urgent or planned medical expenses — hospital bills, surgery, specialist consultations, diagnostic tests, medication, or maternity costs — for you or a family member. As with our other logbook loans, you retain use of your vehicle throughout the loan term.
How fast can I access funds in a medical emergency?
Medical needs are often time-critical, so we aim to process these applications as quickly as possible — commonly within the same day once your documents are in order and the vehicle has been assessed.
What documents do I need?
The standard logbook loan documents apply: original logbook in your name, national ID, KRA PIN, comprehensive insurance certificate, passport photos, and proof of income. Where relevant, a hospital admission letter, invoice, or cost estimate can help us process the right loan amount quickly.
How much can I borrow and at what interest rate?
As with all our logbook products, you can access up to 80% of your vehicle’s value, at 4% interest per month on a reducing balance.
Will I need to provide proof the money was used for medical expenses?
While funds are disbursed to your account or mobile money for flexibility (since medical situations often need quick, direct payment at the point of care), we recommend keeping receipts or hospital invoices for your own records and in case of any future loan applications.
What if I need more than my vehicle's value covers?
If your vehicle cannot secure the full amount needed, speak to our team about combining a logbook loan with another product — such as a salary advance — to bridge the gap.
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How do I apply?
Call or visit a branch, or apply online. Provide your documents, get a fast vehicle valuation, receive your offer, and have funds disbursed as soon as the agreement is signed — often within hours for urgent cases.