List of Ngao Credit Loan Products

This article lists down various Ngao Credit Loan Products. Ngao Credit Limited is a non-deposit Microfinance institution that was established with the primary objective of providing financial services to the underserved. It is one of the greatest lending firms in Kenya.

They offer one-of-a-kind and tailored financial solutions that meet our clients’ needs in the shortest amount of time while also opening doors for SMEs and business owners.

Ngao Credit loan products comes in various forms, with different features and repayment terms.

The following is a list of loans available and how to apply for each one:

List of Ngao Credit Loan Products

1. Logbook Loan

Ngao Credit Loan Products

This is a loan secured by one’s personal/private vehicle.

Customers can borrow up to 60% of the car’s worth, ranging from Ksh. 100,000 to Ksh. 5,000,000. The loan amount will be determined by the make and value of the vehicle, as well as the year of manufacture.

The loan processing time is 6 hours or less, with a monthly interest rate of 3.5% and a repayment duration of 24 months.


  • Original Vehicle logbook, Original PIN and ID
  • Latest 12 months bank statements
  • Comprehensive Car Insurance
  • Post dated cheques
  • Comprehensive Insurance

Loan Amount

Borrowers can borrow up to 60% of the vehicle’s worth, with a minimum of Ksh. 100,000 and a maximum of Ksh. 5,000,000.

Car’s Age

The car should not be older than between 2004 and 2006.

Read also, How to Access Ngao Credit Logbook Loan

2. Jijenge Business Loan

If you possess a car, it can serve as a mobile wallet. Ngao Credit offers rapid logbook loans. Borrow up to 60% of the value of your vehicle as collateral.

To back up your biashara, Jijenge business loans provide convenient finance ranging from KES 100,000 to KES 5,000,000.


1)Minimal paperwork

2)Quick loan in 6 hours

3)Fast approval and disbursement

4)Get up to KES 5 million

5)Repay the principal in 3 months.


  • Original Vehicle Logbook
  • Original PIN and ID
  • Latest 12 months bank statements
  • Comprehensive car insurance
  • Post-dated cheques