Established in 2009, Ngao Credit is a licensed non-deposit-taking microfinance institution operating across Kenya. The company is well-known for its fast and flexible loan solutions tailored for individuals, small businesses, and corporate clients.
Ngao Credit offers a wide range of products including logbook loans, Jijenge business loans, loans against shares, asset and import financing, trade financing, and insurance premium financing. Whether you’re a car owner, entrepreneur, or investor, Ngao Credit provides customized financial support to meet your needs.
Below is a detailed look at their core loan products and an updated list of all Ngao Credit branches in Kenya with contact details.
Ngao Credit Loan Products and Requirements (2025)
1. Logbook Loan
Borrow up to 60% of your car’s value — from KES 100,000 to KES 5,000,000 — with processing completed in under 6 hours. The loan carries a monthly interest rate of 3.5% and is repayable within 24 months.
Requirements:
- Original vehicle logbook
- Original ID and PIN
- Latest 12 months’ bank statements
- Comprehensive car insurance
- Post-dated cheques
- Vehicle must be from the year 2004–2006 or newer
2. Mobi Loan
A mobile-based top-up logbook loan for existing customers. Borrow up to 60% of your vehicle’s value, with a cap of KES 300,000. Loan is repayable in 3 months.
Requirements:
- Original vehicle logbook
- Original ID and PIN
- 12-month bank statements
- Comprehensive insurance
- Post-dated cheques
3. Jijenge Business Loan
Designed to support SMEs and contractors, this short-term loan is secured against a vehicle and disbursed within 6 hours. Borrow between KES 100,000 and KES 5,000,000 with a 3-month repayment window.
Requirements:
- Original logbook
- Original ID and PIN
- Bank statements (last 12 months)
- Insurance and post-dated cheques
4. Loan Against Shares
Use your NSE-listed shares as security to borrow up to 60% of their market value — from KES 10,000 to KES 5,000,000. Processing takes less than 2 hours.
Requirements:
- Active CDS account
- Original National ID and PIN
5. Asset Financing
Ideal for clients purchasing vehicles either locally or from overseas. Up to 70% financing is available, with a repayment period of up to 36 months.
Requirements:
- Proforma invoice from a dealer
- Original ID and PIN
- 12-month bank statements
- Comprehensive insurance
6. Import Finance
Helps customers import vehicles from international dealers (e.g. Japan, UK). Ngao Credit funds 70% of the car’s total cost, payable within 36 months.
Requirements:
- Proforma invoice & import documents
- Original ID and PIN
- Bank statements (6 months)
- At least 30% deposit
7. Trade Finance
Designed for SMEs needing quick access to working capital for tenders, contracts, or restocking. The maximum loan amount is KES 5,000,000 with a 30-day repayment term.
8. Insurance Premium Financing
This facility enables customers to pay insurance premiums in affordable monthly instalments. Ngao finances 100% of the premium amount, with a repayment period of up to 6 months at a 2% interest rate.
Ngao Credit Branches in Kenya – Updated Contact Directory (2025)
Here is the latest list of all operational Ngao Credit branches across the country:
1. Head Office – Nairobi
Location: Morning Side Office Park, 4th Floor, Ngong Road
Phone: 0709 650 000
Email: [email protected]
2. Upper Hill Branch – Nairobi
Location: NHIF Building, 2nd Floor, Community Area
Phone: 0709 650 100
3. Nairobi CBD Branch
Location: Ecobank Towers, 6th Floor, Muindi Mbingu Street
Phone: 0709 650 200
4. Mombasa Branch
Location: Jubilee Arcade, 2nd Floor, Moi Avenue
Phone: 0709 650 300
5. Nakuru Branch
Location: Baraka Plaza, 1st Floor, Kenyatta Avenue
Phone: 0709 650 400
6. Eldoret Branch
Location: Zion Mall, 1st Floor, Uganda Road
Phone: 0709 650 500
7. Kitengela Branch
Location: Kitengela Mall, 3rd Floor, Kajiado–Kaputei North Road
Phone: 0709 650 600
8. Thika Branch
Location: Maisha Heights, 1st Floor, Kenyatta Avenue
Phone: 0709 650 700
9. Kisumu Branch
Location: Tuffoam Mall, Ground Floor, Achieng’ Aneko Road
Phone: 0709 650 800
10. Meru Branch
Location: Royal Business Park, 5th Floor
Phone: 0709 650 900
Note: Ngao Credit continues to expand its footprint. For new branch openings, updated loan terms, or ongoing promotions, be sure to visit their official website or call the head office for assistance.
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