Ngao Credit is a non-deposit-taking Microfinance institution that was founded in 2011. Our main goal is to provide financial services to the underserved. We meet our clients’ needs with our unique and tailor-made financial solutions within the shortest time possible. Our experience and dedication to customer satisfaction mean that you always have a trusted partner you can rely on.

We enable you to access loans from the comfort of your home using a smartphone. We offer quick logbook loans, asset finance, loans against shares, and import finance. Through Ngao, you can access a loan and deal with that emergency bill, boost your business, pay school fees, or pay your suppliers on the app!

Here is what you can expect:
Through the app, you can easily apply for a loan, and withdraw the loan amount to your mobile money account such as M-Pesa.
The app enables you to keep track of your loan balance, check the loan statement and pay conveniently using your phone.

Our financial solutions

Logbook loans.
Using your car as security, you can access logbook loans of up to 60% of the value of your vehicle. Borrow up to Kes 5 million and repay comfortably in a flexible period of up to 24 months.

Import finance.
We offer to finance up to 60% of the total estimated cost (CIF, Duty & Port charges) of the car. We handle all the legwork for you including clearance at the port.

Asset Finance.
With our financing solutions, you can own your dream car within 6 hours. Access up to 60% of the value of the car and pay comfortably in 24 months.

Loan Against Shares.
Get a loan using your NSE-listed shares within 60 minutes. You can access a loan of up to 60% of the value of your shares without paying any upfront processing fees. You will still enjoy 100% of your dividends as you repay the loan in a flexible 12-month period.

Jijenge Loan.
Businesses and SMEs can access quick loans to pay suppliers, settle pending bills, pay for construction, finalize a tender or even boost their business. Access quick loans against your logbook within 6 hours and repay after 3 months.

At the comfort of your home, you can access all our financial solutions and deal with any pressing financial matters.