What interest rates are available?

Interest rates vary by bank and depend on your credit profile, loan amount, and term. Typical rates range from 13% to 18% per annum. Our partner banks offer preferential rates for CarTrust customers.

What documents do I need?

You'll need a national ID or passport, recent payslips or bank statements (3–6 months), KRA PIN certificate, and the vehicle's logbook. Self-employed applicants should provide business registration and financial statements.

How much can I borrow?

Loan amounts typically range from KES 500,000 to KES 10,000,000 depending on the bank, your income, and the vehicle value. Most banks finance up to 80–90% of the vehicle's assessed value.

Is there a deposit required?

Yes, most banks require a minimum deposit of 10–20% of the vehicle's value. The exact percentage depends on the bank and your credit profile.

How long does full approval take?

Pre-approval typically takes 24 hours. Full approval with documentation and disbursement takes 3–7 working days depending on the bank and completeness of your documents.

Can I finance a used/imported vehicle?

Yes. Our partner banks finance both new and used vehicles, including imports. A CarTrust vehicle history report is required for used and imported vehicles to verify their condition and history.

FINANCING

Vehicle financing

Get pre-approved for competitive vehicle financing from trusted Kenyan banks. Compare rates, check your eligibility, and apply in minutes.

01 — WHY FINANCE WITH US

The CarTrust advantage

Competitive Rates

Access preferential interest rates from multiple banks — compare and choose the best offer for you.

Fast Pre-Approval

Get a financing decision within 24 hours. No weeks of waiting or endless paperwork.

Verified Vehicles

Every financed vehicle comes with a CarTrust history report — so the bank and you know exactly what you're buying.

Multiple Banks

We work with leading Kenyan banks so you can compare offers and pick the terms that suit your budget.

Flexible Terms

Loan terms from 12 to 60 months. Choose a repayment plan that fits your monthly cash flow.

No Hidden Fees

Transparent pricing with no processing surprises. All charges are disclosed upfront before you commit.

02 — PROCESS

How financing works

CHECK YOUR VEHICLE

Run a CarTrust vehicle history report to verify the car is clean — no accidents, no finance owing, no theft records.

APPLY ONLINE

Fill in the financing application form with your details, employment information, and desired loan amount. It takes under 5 minutes.

GET PRE-APPROVED

Our partner banks review your application and provide pre-approval within 24 hours. No obligation, no hard credit check at this stage.

FINALIZE & DRIVE

Complete the documentation with your chosen bank, finalize the loan, and drive away in your verified vehicle.

03 — CALCULATOR

Estimate your payment

Loan Amount (KES)

Loan Term

* Estimated at 14% p.a. for illustration purposes. Actual rates depend on your bank and credit profile.

04 — APPLY

Apply for financing

Fill in your details below. No commitment — get a pre-approval decision within 24 hours.

05 — FAQ

Common questions

Ready to get started?

Check your vehicle's history first, then apply for financing — all in one place.