Why choose Watu Gari


Affordable interest rate with no hidden fees!


Get your cash within 24 hours!


Loan period of 3- 24 months repayment period!




Flexible, reliable and transparent logbook loans in Kenya

Our logbook loans are designed to be flexible, so you can borrow as much or as little as you need. We offer competitive interest rates and flexible repayment terms, so you can choose a loan that fits your budget and your lifestyle. 

Applying for a logbook loan with Watu Gari is simple. Just fill out our online application form, provide some basic information about your vehicle, and we’ll get back to you with a decision in no time. Once your loan is approved, we’ll transfer the funds directly to your bank account, so you can start using the money right away!


To qualify for a loan, you need to have:

How it works

Frequently Asked Questions

You can borrow upto 50% of the total car value, to a maximum of Kshs. 3,000,000

The application process takes between 1 hour to a maximum of 24 hours

You will need your ID card, KRA Pin, logbook with your name, duly filled loan application form, Mpesa & Bank statements and details of the current motor insurance cover

Yes, and this will attract a waiver all remaining interest after the first 3 months

Yes you can apply, as long as you are the sole legal owner of the vehicle to secure the loan.

Yes, you keep your car while you repay your logbook loan

No, you cannot qualify for a logbook loan if you have a loan on the vehicle

The age limit is 14 years for private vehicles and 11 years for commercial vehicles

Get a Logbook loan with Watu Gari