Introduction
For individuals and businesses in Kenya seeking quick access to credit, title deed loans present a reliable financing option. These are loans secured using a land title deed or lease title as collateral. Depending on the lender, you can typically access up to 50% of your property’s value. This financing model is ideal for personal needs, business expansion, or emergency funding.
Below is a detailed list of reputable financial institutions in Kenya offering title deed-secured loans, including key features, eligibility requirements, and contact details.
1. Mwananchi Credit
Mwananchi Credit is a well-established lender that provides quick and flexible loans backed by property title deeds. With a competitive annual interest rate of around 20%, borrowers can access financing with repayment terms ranging from 3 to 12 months.
Available in: Nairobi, Mombasa, Kisumu, Eldoret, Thika, and Kitengela.
Requirements:
- Original and copy of title deed
- Recent property valuation and land search
- KRA PIN and National ID
- Spousal consent (where applicable)
- Legal charge over the property
- Six-month bank statement and cheque book
Contact: 0709 147 010
2. Jijenge Credit
Jijenge Credit is a licensed micro-lender offering personalized title deed loan solutions for both personal and business needs. Borrowers enjoy flexible repayment terms of up to 24 months.
Requirements:
- Original and two copies of the title deed
- Original and two copies of your national ID
- Two colored passport-size photographs
- Bank and M-Pesa statements covering the past 6 months
Location: Nairobi Town House, 6th Floor, Suite 605, Kaunda Street
Contact: 0722 843 770
3. Maendeleo Capital
Maendeleo Capital is a non-deposit-taking microfinance institution offering same-day title deed loans, up to KES 500,000, processed within 24 hours. This solution is ideal for urgent personal or family needs.
Requirements:
- Original title deed and a photocopy
- Copy of ID, passport-size photos, and KRA PIN
- Valid bank account with a cheque book
- Recent utility bill or rental receipt
- Property valuation report
- Bank statement covering 6 months
Location: Applewood Adams, Ngong Road
Contact: 0745 560 008
4. Citizens Credit
Citizens Credit helps small businesses and entrepreneurs unlock working capital by offering loans secured against real estate. Their focus is on helping clients seize emerging business opportunities.
Requirements:
- Copy of title deed
- Updated property valuation report
- Legal charge over the asset
Location: 11th Floor, Finance House, Loita Street, Nairobi
Contact: 0722 646 687
5. Atlantis Finance
Atlantis Finance is a microfinance firm that provides title deed loans capped at 50% of the land’s value, with a maximum limit of KES 2 million. The institution serves clients in Nairobi, Mombasa, Kisumu, and Nakuru.
Requirements:
- Original title deed
- 6-month bank statement
- Spousal consent form (signed)
- Land search (conducted by Atlantis Advocates)
- Valuation report by approved valuers
- Completed loan application form
- KRA PIN certificate
Contact: 0701 746 656
6. Finezza Capital
Finezza Capital offers affordable title deed loans with an interest rate of 5% per month, fixed over a one-year repayment term. Loans range from KES 100,000 to KES 500,000, but may go up to KES 8 million under special arrangements.
Requirements:
- Original and two copies of the title deed
- National ID
- Six-month personal bank statement
Location: Marsabit Plaza, Ngong Road
Contact: 0721 482 852
Final Thought
Before applying for a title deed loan, it’s important to assess your repayment ability, understand the terms, and seek legal advice if needed. Always ensure that the property used as collateral is clear of any legal disputes and is properly valued to avoid under-financing.
READ MORE: Top Logbook Loan Providers in Kenya