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The car first, the paperwork second

Asset financing lets you buy the vehicle now and pay for most of it over time. You contribute 40% of the value and we finance the balance.

It works for private buyers and for companies putting vehicles on the road. Because the car itself is the security, the rate sits well below unsecured borrowing — and the vehicle is yours to use from day one.

  • Buy privately or through a dealer we work with
  • Terms built around your income, not a fixed sheet
  • Settle early without a penalty
Driving a newly financed car
OnePay car financing

See what financing a car costs

Enter the vehicle value. We finance up to 60% at a 3% monthly flat rate.

KES
KES 200,000KES 5,000,000
months
1 month24 months
  • We finance up to 60% of the value
  • You contribute the 40% deposit
  • Settle early without a penalty
Estimated monthly repayment
—

Indicative only. Final terms depend on the vehicle and assessment.

What the facility gives you

Up to 60% financed

You contribute 40% of the vehicle value and we cover the rest.

From 3% monthly

A flat rate, lower than our logbook facility.

Approval in 48 hours

Quick assessment so the vehicle does not get sold from under you.

Dealer network

We work with trusted dealers, or finance a private purchase.

Flexible terms

Repay over anything from 1 to 24 months.

Transparent pricing

Every charge disclosed before you sign anything.

What we need to finance you

If you are buying through a dealer, their quotation is the one document people forget.

  • Original National ID
  • KRA PIN certificate
  • Proof of income — payslips or business records
  • Bank and M-Pesa statements
  • A 40% deposit toward the vehicle value
  • Quotation or proforma invoice for the vehicle
Start an application

Four steps to the keys

1

Pick the vehicle

From a dealer we work with, or a private sale you have found.

2

Apply with the quotation

Send the proforma along with your income and identity documents.

3

We assess and approve

You get the financed amount, the instalment and the term in writing.

4

Pay 40% and drive

Your deposit goes down, we release the balance, the car is yours to use.

Ready to Own Your Dream Car?

Get pre-approved today and drive away tomorrow.

Get Pre-Approved