Reviews
Logbook Loans Updated: 14. 04. 2026

Momentum Credit Logbook Loan – review 2026

4,1 / 5

Momentum Credit offers logbook-secured loans of up to KES 4,000,000 to vehicle owners in Kenya, with disbursement typically within 24 hours of application approval and vehicle valuation. The lender allows borrowers to continue using their vehicle throughout the loan period. Momentum Credit is registered with the Central Bank of Kenya.

Pros

  • Loan amounts up to KES 4,000,000
  • 24-hour disbursement after valuation
  • Borrower retains vehicle throughout the loan period
  • Accepts a wide range of vehicle types
  • CBK-registered credit institution

Cons

  • Interest rates significantly higher than bank personal loans
  • Vehicle repossession on default is enforced swiftly
  • Loan amount capped as a percentage of vehicle market value
  • Maximum term of 36 months
  • Comprehensive vehicle insurance must be maintained

Requirements

  • Original vehicle logbook registered in the applicant's name
  • Kenyan national ID
  • Comprehensive motor insurance certificate
  • Vehicle valuation report from an approved valuer
  • KRA PIN certificate

Company information

Name
Momentum Credit Limited
Address
Nairobi, Kenya
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.