Is CarTrust a lender?

No. CarTrust reviews your application and passes it to a financing partner, who makes the lending decision and sets the final rate and terms.

What do I need to apply?

Your national ID or passport number, employment and monthly income, the vehicle and its price, and the deposit you can pay. You'll also upload a copy of your ID and either recent payslips or 6 months of bank or M-Pesa statements, you can add these after submitting.

How will I know what's happening?

Every change is emailed to you and shown under Dashboard → Financing: submitted, under review, documents requested, with our financing partner, and the final decision.

Who sees my ID and documents?

Only CarTrust staff who handle financing, and the financing partner your application is passed to. Your ID number is stored encrypted and documents are kept in private storage, they are never shown publicly.

How accurate is the repayment estimate?

It's illustrative: a standard reducing-balance calculation at the rate shown. The financing partner sets the actual rate, fees and terms.

VEHICLE FINANCING

Finance a car you've checked

Apply online in about 10 minutes. Our team reviews your application and passes it to a financing partner, who makes the decision. You track every step from your dashboard.

Apply now Check a vehicle first

HOW IT WORKS

From checked car to decision

Check the car

Run a CarTrust report first, so you and the lender know the auction record, mileage, accidents and recalls.

Apply online

Your details, income, the vehicle, its price and your deposit. About 10 minutes.

Upload documents

ID copy plus payslips or 6 months of bank / M-Pesa statements, now or after you submit.

Review & decision

We review your application and pass it to a financing partner, who decides. Every step is emailed to you.

What you'll need

Kenyan national ID or passport
Proof of income: recent payslips, or 6 months of bank or M-Pesa statements
The vehicle you want, its price, and the deposit you can pay
Ideally a CarTrust report for the vehicle

Terms

Indicative rate: from 13% p.a.
Minimum deposit: 20% of the price
Repay over: up to 60 months
Amount financed: 300,000 – 10,000,000

Final rate, fees and terms are set by the financing partner. CarTrust is not a lender.

Apply now

ESTIMATOR

Estimate your monthly repayment

Illustrative only. The financing partner sets the actual rate, fees and terms.

Vehicle price (KES)

Deposit (KES)

Interest rate (% per year)

Term

BEFORE YOU BORROW

Know what you're financing

A CarTrust report shows what's on record for the vehicle, so you and your lender aren't guessing.

Auction record

Grade and details from the vehicle's auction listing, where available.

Accident & damage records

Recorded accidents and damage in the vehicle's history.

Mileage history

Recorded odometer readings over time, so gaps and drops stand out.

Recalls

Manufacturer recall information for the model.

Check a vehicle

FAQ