List Of Title Deed Loan Lenders In Kenya

This is a list of Kenya’s top title deed loan providers. These are lenders who make loans to customers using the title deed as security/collateral. In most circumstances, the loan provided covers up to 50% of the land’s worth.

What is a Title Deed Loan?

A title Deed loan is a sort of loan in which a valuable asset is used as collateral. The popularity of title loans can be attributed to two factors. For starters, an applicant’s credit score is not used when determining loan eligibility. Second, because the application standards are less demanding, a title loan for small amounts can be approved quickly.

Title deed loans are very popular among landowners who would wish to stake out their land in exchange for quick cash to solve biting financial challenges. However, it is important for borrowers to note that they risk losing their land in case of loan default.

This article outlines the leading title deed loan providers in Kenya, highlighting the requirements and interest rates.

List Of Title Deed Loan Providers In Kenya

1. Mwananchi Credit

Mwananchi Credit is a financial organization that specializes in financing solutions for small and medium-sized businesses (SMEs) and people. It provides quick title deed loans at a low APR of 20%. The repayment duration ranges from 3 to 12 months.

The organization has offices in Nairobi, Mombasa, Eldoret, Thika, Kitengela, and Kisumu.

Eligibility Criteria

  1. You must be a salaried employee or a self-employed professional or non-professional.
  2. At the time of loan maturity, you should be no older than 60 years old if you are a salaried employee and no older than 65 years old if you are a self-employed professional/non-professional.


  • The title deed, both original and copy.
  • Property appraisal and search.
  • KRA PIN.
  • National identification card.
  • The property has a legal charge over it.
  • Consent of the spouse.
  • 6 months of bank statements.
  • The cheque book.


Call 0709 147 010.


Physical location: Ecobank Towers 10th floor, Muindi Mbingu Street, Nairobi.

2. Jijenge Credit

Jijenge Credit is a non-deposit micro-lending institution that provides funding for business or personal expenses that are backed by your title deed. The loan term can last up to 24 months.


  • Title deed in original and two copies.
  • Original ID and two copies.
  • 2 colored passport-size pictures.
  • Bank and Mpesa statements over the previous six months.

Located at Nairobi Town House, Suite 605, Kaunda Street, 6th Floor.

0722 843 770 is the phone number.

3. Maendeleo Capital

Maendeleo Capital is a microfinance lending institution that does not accept deposits. It provides title deed loans that are ideal for meeting your unique needs. In 24 hours, you can borrow up to Kshs 500,000 on title deeds.

  • Original title deed and a copy.
  • Copy of ID, 2 passport photos, and KRA PIN.
  • A chequebook account.
  • 6 months bank statement.
  • Land valuation report.
  • Utility bill or rental house receipt.

Location: Applewood Adams, Ngong Road.

Contact: 0745 560 008.

4. Citizens Credit

Citizens Credit provides title deed loans to individuals or small and medium-sized organizations (SMEs) in need of operating capital to finance their businesses in order to capitalize on growing business possibilities.