— Phoenix Capital – We Enable, You Prosper
School Terms Don't Wait. Neither Should Your Child's Education.
The CBC calendar has its own clock — it doesn’t wait for payday, a delayed client payment, or stock to move. Borrow against your car logbook, keep driving, keep working, and access up to KES 3,000,000 before term starts.
Up to KSh 1,000,000
Optional direct payment to the school
As little as 2 hours after approval
Borrow up to 70% of market value
— The Challenge
One minute you're checking uniform sizes. The next, you're staring at a fee reminder.
You’re replacing shoes that no longer fit, buying books, preparing everything your child needs for the new term — and then the deadline arrives before the money does.
Because the reality is simple: schools open when they’re scheduled to open. Not when your salary comes in. Not when a client clears an outstanding payment. Not when your business has recovered from a slow month.
For many Kenyan parents, professionals, and business owners, this isn’t poor financial planning. It’s a timing gap — you know the money is coming, but the deadline arrives first. And no parent wants their child worried about reporting late, missing lessons, or feeling different from their classmates because of a temporary financial situation.
Where Phoenix Capital fits in
“Whether you’re waiting for your salary, expecting payment from a client, or managing cash flow between business cycles — we provide a convenient bridge to help you meet your obligations when they matter most.”
- Term deadlines don't move. Salaries, client payments, and business cycles sometimes do.
- Your logbook holds value you already own — use it to bridge the gap without disrupting your business.
- Education isn't just another bill. It's your child walking into class ready, on the same footing as everyone else.
Why Families Choose This
Built around the school calendar
Term deadlines don’t wait, and neither should you. This loan is designed to move fast enough to beat a closing date.
Funds before the deadline
Use a mechanic or garage you already trust — we’re not tied to a single workshop.
Keep the family car
School runs, errands, work commute your car stays with you the whole time.
Pay the school directly
We can disburse straight to the institution’s account on request, or directly to you.
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.
— APPLY
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.
— Education Should Never Wait
A short-term cash flow gap shouldn't stand between your child and their education.
This back-to-school season, let Phoenix Capital help you bridge the gap and keep your plans moving.
We Enable, You Prosper.
— Apply
Start your application
Frequently Asked Questions
What is a school fees logbook loan?
It’s the same secured lending mechanism as our standard car logbook loan — your vehicle logbook serves as collateral — but the loan is specifically packaged to help you meet school fee deadlines for children in primary, secondary, college, or university. You keep driving your car while the loan covers tuition and related costs.
What can the loan be used for besides tuition?
Beyond the core school fees, many parents use this facility to cover related costs such as boarding fees, uniforms, textbooks, transport, and other term-related expenses.
What do I need to qualify?
The requirements mirror the standard logbook loan: valid logbook in your name, national ID, KRA PIN, comprehensive insurance certificate, passport photos, and proof of income. Some parents also choose to bring a fee structure or invoice from the school so the loan amount matches the actual bill.
How much can I borrow and what's the interest rate?
The amount is based on your vehicle’s value (up to 80%), and the same 4% per month interest rate on reducing balance applies. Because school fees loans are often needed for a specific, time-bound amount, you’re free to borrow only what covers the fees due rather than the maximum available.
How fast can I get the money before the school deadline?
Because school terms often come with tight deadlines, we prioritize fast processing — typically within 24 hours of submitting complete documents and having the vehicle assessed — so fees can be paid before the deadline or the start of term.
Can I time my repayments around the school calendar?
Yes, repayment schedules can be structured around your cash flow — for example, aligned to when you receive salary or business income between school terms — within the agreed loan period.
How do I apply?
Apply online or visit a branch with your logbook and ID, get your vehicle valued, receive your offer, and once accepted, funds are disbursed directly to you (or, where arranged, paid straight to the learning institution) so fees are settled promptly.