Asset Financing

The Mwananchi Credit Limited finance process is simple: Select a pre-owned vehicle that meets your needs, submit an online auto loan credit application and, if approved, decide which finance offer suits you best.

The amount you can borrow depends on the value of your vehicle. At Mwananchi Credit Limited you can borrow anything from 100,000 to 25 Million. When you apply one of our consultants will take your details, either online or over the phone, and provide you with a no-obligation quotation. Once we have completed the loan for you, the money will be in your account in minutes.

To begin the financing process online, first find the vehicle you are interested in purchasing. Then request financing by calling us at 0709 147 000. Check out our free Car Loan Payment Calculator to gain a better understanding of your budget and potential payment car payment amount.

We help by offering you highly competitive terms, reduced time and effort, and a transparent transaction.

Our finance sources provide offers to accommodate most credit profiles. Even with past problems, you will still enjoy the same no-haggle pricing, quality, and exceptional customer service we give every Mwananchi Credit Limited customer.

Many customers qualify for financing without a prior vehicle purchase. Mwananchi Credit Limited will look at your credit history and application information to make a credit decision. If a normal credit determination cannot be made based on your current credit history, you may still qualify for other programs.

Your finance rate depends on your past credit history, the type of car you’re buying, your down payment, and overall market conditions. In most cases, we can offer competitive rates from a variety of finance companies to fit nearly every budget and credit profile.

The factors that impact monthly payments include the amount financed, term, and APR.

We recommend that you spend no more than 15% of your gross monthly income on your car payment. Want to see what you can afford? Use our Car Loan Payment Calculator to estimate.

Yes, Mwananchi Credit Limited offers car finance to self-employed people as long as you meet our other criteria, and pass our credit and affordability checks.

APR stands for Annual Percentage Rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you're offered may differ from the representative example displayed. This is because each loan application is assessed on an individual basis and on a number of factors, including the information you have provided in your application.

If you're unsure what car you're going to buy, you can get an indicative car finance quote which will confirm if you're eligible for Mwananchi Car Finance (subject to affordability, fraud and vehicle checks). Once you know which car you're going to buy, and you can give us the car registration number, we can give you a fully accurate quote.

We currently offer a bundled product for both car finance and insurance but you can buy car insurance separately. We prefer that as we offer you the finance you use our partner insurance agency Shimin Insurance Agency for a hassle-free finance application.

We work with the majority of Kenyan dealerships. As long as you have identified the vehicle and pass our application criteria, be sure you have a partner in Mwananchi Credit Limited.

We try and give an instant decision, but sometimes your application might be referred to our Underwriting team. Once you've been approved, we may be able to pay the dealer on the same day (working days only).

To get a quote or to speak to one of our friendly members of staff please contact

We complete dealership checks as part of the application process to confirm if the dealership is a VAT-registered company, to prevent fraud and to make sure your car purchase runs as smoothly as possible. If you're approved, we also use this information to transfer the funds straight to the dealership.