If you need quick access to funds in Kenya, a logbook loan can be an ideal solution. By using your vehicle’s logbook as collateral, you can secure fast financing while still keeping and using your vehicle. Together As One offers a seamless, transparent, and reliable process for Kenyans who want flexible, affordable, and fast logbook loans.
Can You Still Get Logbook Loans?
Yes. Logbook loans remain a trusted financial option in Kenya, whether you have a car or a motorcycle. Together As One helps borrowers with all types of vehicles to access financing without long delays or complicated procedures. Your credit score is considered, but your vehicle logbook is the main factor in approval.
Types of Vehicles You Can Use
- Cars: Most borrowers use cars for logbook loans.
- Motorcycles: You can also borrow money against your motorcycle logbook. Together As One supports both car and motorbike owners.
- High-value vehicles: Larger vehicles or fleets can also be used to access bigger loan amounts.
This flexibility ensures that you can get the loan you need regardless of your vehicle type.
How to Get a Logbook Loan
Applying for a logbook loan with Together As One is fast and straightforward. Follow these steps:
- Prepare your documents
You need your vehicle logbook, valid ID, KRA PIN, proof of income (bank or M-Pesa statements), and updated insurance. - Submit your application
You can apply online through Together As One’s website or in person at their Nairobi office. - Vehicle valuation
Together As One evaluates your vehicle to determine the loan amount you qualify for. - Loan approval
Once approved, you receive a transparent loan offer with clear repayment terms. - Disbursement
Funds are sent directly to your bank account or mobile wallet, often within 24 hours. - Repayment
You repay in flexible installments. After full repayment, your logbook is returned.
This process ensures safety, transparency, and speed.
Frequently Asked Questions About Logbook Loans
How long does a logbook loan take?
With Together As One, the entire process — from application to disbursement — can take as little as 24 hours, depending on document readiness and vehicle verification.
Can I borrow money against my motorcycle?
Yes. Motorcycles can be used as collateral for logbook loans. Together As One provides financing for both cars and motorbikes.
Does NCBA offer logbook loans?
While NCBA and other banks may provide logbook loans, choosing Together As One ensures faster approval, fewer requirements, and personalized support.
Does Equity Bank offer logbook loans in Kenya?
Equity Bank may offer logbook-backed products, but Together As One provides more flexible and accessible solutions tailored to your needs.
Can I get a loan with my motorbike logbook?
Absolutely. Together As One specializes in helping motorbike owners secure loans against their logbooks safely.
Which bank can give a loan easily?
Banks often have strict requirements and slower processing. Together As One offers easier, faster, and more accessible loan options with fewer hurdles.
Is it true that after 7 years your credit is clear?
In Kenya, most credit bureaus report defaults for up to 7 years. However, logbook loans prioritize collateral over credit history, meaning even if your credit report is not perfect, you can still qualify.
Why Choose Together As One for Your Logbook Loan
- Fast approval and disbursement
- Support for cars and motorcycles
- Flexible repayment plans
- Transparent fees with no hidden charges
- Ability to continue using your vehicle while repaying
- Online and physical support across Kenya
By choosing Together As One, borrowers get more than a loan — they gain a partner that simplifies the process and provides reliable financial support.
Apply for a Logbook Loan Today
Getting a logbook loan has never been easier. With Together As One, you can access funding quickly, whether for personal use, business, emergencies, or investment opportunities.
Visit Together As One now to start your application, or contact their support team for guidance.
How to Apply for a Logbook Loan Now (Step-by-Step Guide)
Applying for a logbook loan in Kenya today is fast, digital, and simplified. Whether you’re using a car, van, truck, or even a motorcycle, the process takes a few hours to 24 hours depending on the lender.
Step 1: Confirm Vehicle Eligibility
Most lenders require:
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Your vehicle to be fully owned and registered under your name
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The car/motorcycle to be 2005 model or newer
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Valid NTSA Logbook
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Up-to-date insurance (Comprehensive or Third Party)
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Valuation report (your lender organizes this)
Step 2: Submit Your Details Online
Fill out a quick online form on the lender’s website.
You will be asked for:
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Full name
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ID number
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KRA PIN
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Phone number
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Car/motorbike details
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Location
Tip: Your lender will call you immediately after submission.
Step 3: Provide Required Documents
Most lenders ask for:
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Original logbook
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Copy of ID
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Passport-size photo
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Six months bank/M-Pesa statements
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Proof of income
If you are self-employed, M-Pesa statements are accepted.
Step 4: Vehicle Valuation
Valuation helps determine your loan limit.
Most lenders finance 30% – 80% of the vehicle’s forced value.
Step 5: Logbook Transfer to Joint Ownership
The logbook will be transferred to joint ownership between you and the lender through NTSA TIMS.
This does not remove your rights to use the vehicle.
Step 6: Sign the Agreement
You’ll sign:
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Loan agreement
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Bill of sale
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Chattels mortgage documents (depending on the lender)
Step 7: Receive Your Money
Once everything is approved, you receive your cash:
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In 6 hours – 24 hours for cars
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Same day for motorbikes in some cases
Is it true that after 7 years your credit is clear?
Yes. In Kenya, negative credit records such as late payments or defaults are removed from the CRB after 7 years from the date of reporting.
However, lenders may still internally evaluate past behavior.
How long does a logbook loan take?
A logbook loan takes:
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6–24 hours for approval and disbursement
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1–3 hours for valuation
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12 hours for NTSA transfer (can be instant with smart lenders)
Which bank can give a loan easily?
Banks known for faster processing include:
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KCB
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Co-op Bank
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NCBA (for auto financing)
But banks often take longer for logbook loans than microfinance lenders.
Can I borrow money against my motorcycle?
Yes. Many lenders accept motorcycles as security for a logbook loan if you own it outright and have the logbook.
Can you still get logbook loans?
Yes. Logbook loans are still available in Kenya and remain one of the quickest secured loan options.
How to get a logbook loan?
You can get a logbook loan by using your car or motorbike as collateral and applying through a licensed lender.
Approval is based on vehicle value and your ability to repay.
Does NCBA offer logbook loans?
NCBA offers asset-based loans and car financing.
However, traditional logbook loans (Mike-advance style) are mainly offered by microfinance and credit-only institutions.
Does Equity Bank offer logbook loans in Kenya?
Yes. Equity Bank offers loans secured by motor vehicles, but the process takes longer than non-bank lenders.
Can I get a loan with my motorbike logbook?
Yes. If your motorbike is registered under your name, you can borrow against it.
Loan limits depend on the valuation.