Unlock your financial freedom with EMESCCOS Logbook Loans, offering quick approvals, flexible terms, and up to 80% financing on your vehicle’s value.
- Quick Approvals (6 Hours)
Get your loan processed and funds disbursed within 6 hours. - Low Interest Rates
Competitive rates to ensure affordable monthly payments. -
No CRB Checks
Bad credit history? No problem! Approval is based on collateral, not credit score. - Long Repayment Period
Enjoy extended and flexible repayment terms of up to 24 months.
Representative Loan Example
All our agreements are ensured against your vehicle and are subject to affordability
| 20% | 12 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 24 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 36 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 48 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
Minimum and Maximum Repayment Period
Loan are typically 12 months in duration, with a maximum 48 month contract. There is no minimum period, as loans can be repaid at any time within the agreed contract, with on early redemption penalties.
Benefits of Logbook Loans
EMESCCOS offers fast, reliable, and flexible logbook loans, providing quick access to capital with a seamless, secure, and efficient borrowing experience. Our logbook loan service helps you maximize the financial potential of your vehicle while ensuring transparency, convenience, and affordability. Here’s why it’s the ideal choice:
- Quick Application Process
Logbook loans offer fast and efficient loan approvals, ensuring quick access to funds without unnecessary delays. - No Credit Check Required
Loan approval is based on vehicle collateral, making it accessible to more borrowers without the need for a credit history review. - Competitive Interest Rates
Enjoy affordable borrowing with interest rates that are lower than unsecured loans, making repayment more manageable. - Retain Full Use of Your Vehicle
Continue using your vehicle as usual while leveraging its value to access financing.
- Flexible Repayment Plans
Choose a repayment plan that aligns with your financial goals, with terms extending up to 24 months for added convenience. - Confidential & Secure Service
We prioritize privacy and data security, ensuring that all loan transactions and personal information are handled safely. - Commitment To Customer Satisfaction
Our user-friendly online platform streamlines the application process. Simply fill out the form, and our experts will contact you within 30 minutes. - Transparent & Straight-Forward Loan Terms
We believe in full transparency—all loan terms, interest rates, and repayment schedules are clearly outlined with no hidden fees. - Professional & Experienced Team
Our team of financial experts provides expert advice and personalized support throughout the loan process.
Unlock Quick Cash with Logbook Loans
Need a fast and flexible loan? EMESCCOS offers reliable logbook loans in Kenya, allowing you to leverage your vehicle as collateral for affordable financing. Enjoy competitive interest rates, a quick approval process, and a secure, transparent borrowing experience.
- Fast Approval & Disbursement – Get your loan approved within 15 minutes and access funds the same day.
- Retain Full Use of Your Vehicle – Continue driving your car while repaying the loan.
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No Hidden Fees – Enjoy a clear, straightforward loan process with full transparency.
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High Loan Limits – Borrow up to KSH 25,000,000 with flexible repayment terms of up to 24 months.
What Are Logbook Loans?
Logbook Loans in Kenya offer a fast, secured financing solution, allowing you to borrow money using your vehicle as collateral while still driving it.
EMESCCOS Logbook Loans provide quick approvals, flexible repayment terms (3-24 months), and loan amounts from 40% to 90% of your car’s market value. To qualify, you must be 18+, legally own a fully paid-off vehicle, and have valid comprehensive insurance. Enjoy transparent terms, competitive rates, and a hassle-free process. Get the funds you need while keeping full control of your vehicle. Apply for a Logbook Loan today!
What’s covered under Logbook Loans?
Inclusions
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Vehicle as Collateral
The primary inclusion is the borrower’s vehicle, which serves as collateral for the loan. This includes cars, vans, trucks, or motorbikes that are registered in the borrower’s name.
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Continued Vehicle Use
Borrowers can keep using their vehicle throughout the loan term as long as they comply with the agreed loan conditions and make timely repayments.
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Quick Processing
EMESCCOS processes and disburses funds rapidly, usually within 6 hours of application approval, making it one of the fastest logbook loan providers in Kenya.
Exclusions
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Vehicles Not Fully Owned
Vehicles that are still under financing or not fully paid off are typically excluded, as the borrower does not have full ownership.
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Older Vehicles
Vehicles beyond a certain age limit, often over 10 years, may be excluded due to depreciation and reduced collateral value.
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Home Appliances and Electronics
EMESCCOS does not accept home appliances or electronics as security. Items such as fridges, TVs, and other household electronics are not eligible for securing a logbook loan.
Required Documents and Vehicle Information
EMESCCOS ensures fast processing and hassle-free disbursement, making it a trusted and reliable logbook loans provider in Kenya.
- Six months certified bank statement – Proof of consistent income and financial stability.
- KRA PIN and ID copy – Required for identity verification and compliance with regulations.
- Passport photos – Recent passport-sized photos of the applicant for documentation.
- Proof of Comprehensive insurance cover
- Proof of residence
- Sale agreement – Proof of vehicle ownership or transfer to verify collateral authenticity.
Loan Approval & Fund Disbursement
After approval, you’ll sign a loan contract outlining the terms. Once the paperwork is completed, funds are disbursed directly to your bank account within 6 hours. You can continue using your vehicle while making monthly repayments as agreed.
