Your logbook. Your liquidity.
Cashlog is your concierge to fast, fair logbook financing. We hand-pair you with a regulated micro-finance partner who advances up to KSh 3,000,000 against your car with full disbursement, zero deductions, on a transparent reducing balance.
- < 2 hrs
- Disbursement
- 5%
- One flat fee
- 0%
- Deductions
KSh 1.2B+
Facilitated through our partner
9,400+
Applications connected
~2 hrs
Average time to cash
98.4%
Customer satisfaction
What you actually get
Four promises. Written down. Honoured.
Cash in 2 hours
Most clients see funds the same morning they apply. We move while others ask for a second visit.
One flat 5% fee
Added on top of your loan. No origination, no insurance markup, no processing surprises.
Reducing balance
You only pay interest on what you still owe. Pay early and you actually save.
Concierge from start to finish
One named person handles your file end to end. No call-centre, no chasing.
How it works
From application to cash in about two hours.
- Step 1
Submit your details
Five-minute online application. Upload your logbook, ID, KRA PIN and a recent bank or M-Pesa statement.
0:00elapsed - Step 2
Vehicle valuation
Our partner's valuer inspects your car at a location that suits you in Nairobi, Mombasa, Kisumu, Eldoret and beyond.
0:25elapsed - Step 3
Approval & tracker
Final offer issued. A discreet GPS tracker is fitted, joint logbook registration filed at NTSA.
1:10elapsed - Step 4
Funds disbursed
100% of your qualified amount lands in your bank or M-Pesa. The 5% fee is added to the loan and never deducted.
1:50elapsed
The 2-hour timeline, live
Exactly what happens, minute by minute.
Six milestones from submit to disbursement. Each card shows the estimated time, what you must hand over at that step, and what we and our partner do for you in parallel.
You hit submit
ETA 0 min
You provide
- Full name & ID number
- Vehicle reg + logbook photos
- KRA PIN
- Loan amount you need
We handle
Concierge picks up your file inside 5 minutes and calls or WhatsApps you to confirm.
Concierge verification call
ETA 10–15 min
You provide
- Confirm vehicle location
- Best time/place for valuer
- Bank or M-Pesa for payout
We handle
We pre-package your file and dispatch the AVA-certified valuer to you.
On-site valuation
ETA 20 min on site
You provide
- Original logbook
- ID + KRA PIN
- Vehicle for inspection
We handle
Valuer scores condition, mileage and chassis. Report uploaded live to the credit desk.
Credit decision & offer
ETA 15–20 min
You provide
- 6-month bank/M-Pesa statement
- Proof of residence
- Two passport photos
We handle
Partner's credit desk approves and we share the written offer for your signature.
Tracker fitted & NTSA filed
ETA 30 min
You provide
- Sign offer letter
- Sign NTSA joint-registration forms
We handle
GPS tracker fitted on the spot. Joint logbook interest filed at NTSA in parallel.
Funds in your account
ETA Within 2 hours
You provide
- Confirm payout channel
We handle
Full qualified amount lands in your M-Pesa or bank. The 5% rides on top of the loan.
Have your documents ready before you submit and you'll comfortably beat the 2-hour mark.
Start the clockBenefits
A logbook loan that respects your math.
We built Cashlog because too many Kenyans were being ambushed by deductions, flat interest and surprise fees. Here's what makes our partner different.
No deductions on disbursement
Other lenders quietly skim 8 to 15% off the top. Through our partner, your qualified amount lands in full. Period.
True reducing balance
Our partner computes interest only on what you still owe. Pay early, pay less with no flat-rate trickery.
One transparent 5% fee
Our partner's single fee covers processing, valuation, NTSA registration and the GPS tracker. Nothing else.
Cash in 2 hours
Our partner has restructured underwriting to a single-day decision pipeline so most applicants see funds within two hours.
Regulated partner only
We connect you with one CBK-aligned, CMA-licensed micro-finance institution. We don't broker to the highest bidder.
Your data stays yours
DPA-compliant. Encrypted in transit. Never sold. Tracker data limited strictly to recovery cases by our partner.
Doing it yourself vs working with us
Save a week of your life. Keep your weekends.
The average client who comes to us has already spent 4 to 7 days hunting for the right lender and fighting paperwork. We compress that into one phone call and a single visit.
The concierge model
What you actually get when you pick us.
Most logbook applications in Kenya pinball between a broker, three lenders and a valuer who never returns your calls. We replace that mess with one named person and one set of pre-negotiated terms.
A real human, not a form
From the moment you submit, a named concierge owns your file end to end. Same person, same number, same WhatsApp. No call-centre handoffs.
We negotiated the terms, not you
We spent six months pinning down a single regulated partner on full disbursement, reducing balance, and one flat 5% fee. You inherit those terms by default.
We compress the slow parts
Valuer dispatch, NTSA filing and tracker fitting are choreographed in parallel, not sequence. That is how a typical 3 to 5 day process collapses into about two hours.
We never charge you
Cashlog earns a referral fee from the partner, paid only on funded loans. You pay zero to us. Ever.
What's in the box
More than a loan. A handled experience.
Time back
We estimate clients save 18 to 30 hours of running around per application.
Full disbursement
Receive every shilling approved. No fees skimmed at source.
No surprises
All costs disclosed in writing before you sign anything.
WhatsApp access
Direct line to your concierge for any question, any time during the loan.
A second set of eyes
We review the offer with you and flag anything that does not pass our standard.
Logbook safeguards
Released back to you in writing the day your loan clears. No drama.
Use cases
What people actually use the funds for.
A logbook loan is a tool, not a lifestyle. These are the shortfalls our partner sees most often, and where the speed and full disbursement matter most.
Working capital for SMEs
Restock, pre-finance an order, or bridge a slow receivable without giving up equity or maxing your overdraft.
Importing equipment
Settle the supplier in full so you keep the early-pay discount and keep your shipment on the next vessel.
School and medical fees
Cover term-opening fees or a hospital deposit in hours, not days, with predictable repayments you can plan around.
Property top-ups
Close a deposit gap on land or a quick deal where the seller will not wait for a 30-day bank disbursement.
Asset and fleet expansion
Add a second matatu, a delivery van or a salon chair without selling the asset that already earns for you.
Personal emergencies
Funeral arrangements, urgent travel, or a family obligation that cannot wait on a sacco committee meeting.
Calculator
See your number before you apply.
Loan calculator
Estimate your repayment
Indicative figures based on our partner's reducing-balance terms. No deductions on disbursement.
Monthly repayment
KSh 45,840
- Amount disbursed
- KSh 500,000
- One-time 5% fee
- KSh 25,000
- Total interest (illustrative)
- KSh 50,080
- Total repayable
- KSh 550,080
No deductions
Valuation + tracker + processing
Indicative only. Based on a representative 18% p.a. reducing-balance rate from our partner. Final terms are set by the micro-finance partner after vehicle valuation. Cashlog does not issue loans.
Why work with us
A concierge, not a marketplace.
Your application isn't auctioned to a dozen lenders. We spent six months vetting the market and partnered with one regulated micro-finance institution that agreed to our customer terms. You get the best deal by default.
A worked example
Same approval. Two very different payouts.
You apply for KSh 1,000,000. Here is what actually lands in your account through our partner versus a typical lender that quietly skims fees off the top.
5% on top, full disbursement
- Approved amount
- KSh 1,000,000
- Deductions from payout
- KSh 0
- Cash you receive
- KSh 1,000,000
- 5% fee (added to loan)
- + KSh 50,000
- Total to repay (before interest)
- KSh 1,050,000
You walk out with the full KSh 1,000,000 you asked for. The fee rides on top of the loan, never out of your pocket.
12% deducted at source
- Approved amount
- KSh 1,000,000
- Deductions from payout
- - KSh 120,000
- Cash you receive
- KSh 880,000
- Fees added to loan
- KSh 0
- Total to repay (before interest)
- KSh 1,000,000
You walked in needing KSh 1,000,000. You leave with KSh 880,000, then have to find the shortfall somewhere else.
Illustrative example. Final terms are set by the regulated micro-finance partner after valuation.
What working with us looks like
Hour by hour. No mystery.
- 1
Minute 0
You apply
5-minute form on this site or a WhatsApp message. Either works.
- 2
Minute 15
Concierge call
We confirm your details, explain next steps and book your visit.
- 3
Hour 1
Documents reviewed
We package your file and submit it directly to our partner's credit desk.
- 4
Hour 2
Funds in your account
Once approved, the partner disburses straight to your M-Pesa or bank.
- 5
Day 30+
Same concierge follows up
Repayment reminders, statements, early-settlement help, all from the same person.
Application process
Bring six documents. Leave with funds.
Our partner has stripped logbook lending down to its honest essentials. No notary theatre, no week-long waits. Here's exactly what you need.
Begin application- 1Original logbook in your name
- 2National ID (front + back)
- 3KRA PIN certificate
- 46-month bank or M-Pesa statement
- 5Two passport photos
- 6Proof of residence
Trust and compliance
Regulated, audited, and on the record.
We will not pair you with a partner we would not borrow from ourselves. These are the standards our single MFI partner has signed up to, in writing.
CBK-aligned, CMA-licensed MFI
Our sole micro-finance partner operates under Kenyan regulatory oversight, with audited accounts and a published complaints procedure.
Data Protection Act compliance
Your documents are encrypted in transit and at rest. Only the underwriting and compliance teams ever see them, and access is logged.
AVA-certified valuers
Every valuation is performed by an Association of Vehicle Assessors certified valuer, with a written report you can keep.
Published recovery policy
No surprises. The partner's collections, restructuring and recovery steps are written down and followed in order, every time.
Why our partners trust us
We earn the right to send you to them.
A regulated micro-finance lender will not put their name behind anyone. Here is why ours does.
Pre-qualified clients
We screen for car ownership, logbook clarity and realistic repayment capacity before a file ever reaches our partner.
Clean, complete files
Every submission lands with the right documents and a one-page concierge brief. Credit desks love us for it.
Honest expectations
We never oversell. Clients arrive knowing the rate, the term and exactly what happens if they miss a payment.
Lower default rates
Better-prepared clients repay better. That is why micro-finance partners keep working with us.
What's in it for us
A small fee. A long relationship.
We earn one transparent 5% concierge fee per funded loan, paid on top of your principal. That is it. We don't take kickbacks from the partner. We don't earn more if they charge you more.
That alignment is the whole point. Our incentive is simple: get you funded fairly so you come back for the next car, refer your cousin, and trust us with your business for years.
- We never take a cut of partner interest
- We never accept referral commissions from valuers or insurers
- We never charge you more if your loan is bigger; the 5% is the 5%
- We refund our fee in full if the partner cannot fund you
"Our partner advances up to 90% of your vehicle's market value."
Partner underwriting policy, Q2 2026
Eligibility
Most car owners qualify.
Our partner accepts private cars, PSVs, vans and small commercial vehicles. If you can tick these five boxes, you're almost certainly approved.
- Kenyan citizen, 21+ years old
- Vehicle is fewer than 15 years old
- Logbook is in your name (or jointly with spouse)
- Vehicle is comprehensively insured (or insurable)
- Verifiable income from salary, business or rent
Support
A human you can reach. On day one and on day three hundred.
Your concierge stays with you for the life of the loan. Restructuring questions, early-settlement quotes, tracker removal at the end. Same person, same number.
Talk to a conciergeDirect line
One number, your concierge picks up. Mon to Sat, 7am to 9pm.
WhatsApp first
Most clients prefer it. Same response times, written record of every commitment.
In-person where you are
Valuer and tracker fitter come to your office, home, or workshop in Nairobi, Mombasa, Kisumu, Nakuru, Eldoret and beyond.
Testimonials
Trusted by builders across Kenya.
"I needed KSh 600,000 to import equipment. Applied at 9am, the partner Cashlog paired me with had cash in my M-Pesa just under two hours later. No deductions."
Wanjiku Karanja
Salon owner, Kilimani
"Three other lenders wanted to skim 'admin' off the top. The Cashlog concierge introduced me to a regulated partner who advanced the full amount on reducing balance in about two hours."
David Otieno
Logistics, Mombasa
"The partner's valuer came to my pharmacy, the tracker was fitted in the parking lot, and the funds landed inside two hours. It felt like premium banking, not a logbook loan."
Faith Cherop
Pharmacist, Eldoret
"Three loans in 18 months for project capital. Same two-hour turnaround every time, and the 5% is genuinely the only fee the partner charges."
Samuel Mwangi
Contractor, Nakuru
"I cleared two months early and the reducing-balance interest dropped exactly as my Cashlog concierge had explained. No early-settlement penalty either."
Linet Achieng
Restaurateur, Westlands
"PSV accepted, no fuss. The partner approved and disbursed within two hours. The tracker is invisible and the repayment app is clean."
Brian Kiplagat
Matatu owner, Kisumu
By the numbers
The kind of track record you can verify.
1,800+
Clients funded through our partner
KSh 2.4B
Disbursed via files we packaged
98%
Of our applications are funded the same day
4.9/5
Average concierge rating
FAQ
Every objection. Answered.
These are the doubts borrowers tell us they walked in with. Each answer links back to the section on this page where you can verify it for yourself.
Still curious? Talk to a human.
“They’ll just deduct fees from my payout.”
Will any fees be skimmed off my disbursement?
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“They’ll just deduct fees from my payout.”
Will any fees be skimmed off my disbursement?
No. If you qualify for KSh 1,000,000, our partner sends KSh 1,000,000. The 5% fee is added on top of the principal and amortised, never deducted from the payout. See the side-by-side comparison below.
Jump to the worked example“2 hours sounds too good to be true.”
How fast can I really get the loan?
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“2 hours sounds too good to be true.”
How fast can I really get the loan?
Most complete applications turn into cash in under 2 hours. The live timeline shows what happens at each milestone and what you must hand over to keep the clock moving.
See the 2-hour timeline“Logbook lenders always sneak in extra charges.”
What does the 5% fee actually cover?
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“Logbook lenders always sneak in extra charges.”
What does the 5% fee actually cover?
Loan processing, NTSA joint registration, professional vehicle valuation and the GPS tracker installation. There are no other charges from us or our partner. Cashlog itself charges you nothing.
See all six partner benefits“They’ll quote a small monthly rate then charge it on the full amount forever.”
Is interest reducing balance or flat rate?
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“They’ll quote a small monthly rate then charge it on the full amount forever.”
Is interest reducing balance or flat rate?
True reducing balance. Each month interest is computed only on what you still owe. Pay early and the saved interest is yours, with no early-settlement penalty.
Run the numbers in the calculator“The document list will be endless.”
What documents do I need to bring?
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“The document list will be endless.”
What documents do I need to bring?
Six items: original logbook in your name, National ID (front and back), KRA PIN, 6-month bank or M-Pesa statement, two passport photos, and a proof of residence. That’s the entire list.
See the document checklist“My car probably won’t qualify.”
What vehicles and owners are accepted?
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“My car probably won’t qualify.”
What vehicles and owners are accepted?
Private cars, PSVs, vans and light commercials less than 15 years old, with the logbook in your name (or jointly with a spouse). Even a CRB listing isn’t an automatic disqualifier — the vehicle is the security.
Check eligibility in 30 seconds“What if something goes wrong after I take the loan?”
What happens if I miss a payment?
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“What if something goes wrong after I take the loan?”
What happens if I miss a payment?
Our partner sends a missed-payment notice with a 14-day cure window, then offers restructuring (tenor extension or payment holiday). Recovery is the last resort and only after a documented 60–90 day workout window.
Read the partner trust standards“Will the tracker mess with my car or my privacy?”
What does the GPS tracker actually do?
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“Will the tracker mess with my car or my privacy?”
What does the GPS tracker actually do?
Passive location pings to the partner’s compliance system. No ignition cut-off, no movement restriction. Encrypted, retention-bound, only consulted in arrears or theft cases, and removed free when you settle the loan.
Read the full tracker explainer“What is the maximum, really?”
What's the loan range?
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“What is the maximum, really?”
What's the loan range?
From KSh 50,000 up to KSh 3,000,000, capped at 90% of your vehicle's assessed market value. Tenors from 3 to 36 months.
Estimate your repaymentRegulated partner
Your loan is issued by a CBK-supervised micro-finance institution, not us.
Your data stays with you
We share only what's needed to underwrite. Nothing sold, nothing shopped around.
Always a human
Real person, real number, real WhatsApp. From day one to your final payment.
Your car keeps moving. So does your money.
Submit your details in 5 minutes. Get connected with our regulated micro-finance partner today and see funds in under 2 hours with no deductions, no theatrics.