Phoenix Capital – We Enable, You Prosper
Salary Advance (Advans)
Access up to 30% of your net monthly salary before payday — instant approval, automated disbursement, one-month repayment. For private sector and NGO employees only.
— How This Loan is Different
What is a Logbook Loan in Kenya?
Instead of disbursing cash to you, we settle the repair invoice directly with your chosen garage — so the money goes exactly where it’s needed.
Pick your own garage
Use a mechanic or garage you already trust — we’re not tied to a single workshop.
No upfront cash needed
We pay the garage once the quote is verified, so repairs can start immediately.
Repay at your own pace
Flexible instalments sized to what you can comfortably manage.
— Process
How it works
Four steps from application to money in hand. Most customers with complete documents finish the same day.
Apply
Fill in the form with your employment and salary details.
Income Verification
We confirm your employer and net salary — automated and fast.
Instant Approval
Receive your approval notification and loan offer.
Funds Disbursed
Money is sent to your bank or M-Pesa account immediately.
— Eligibility
Who qualifies, and what to bring
- Kenyan citizen or resident, 18 years or older
- Vehicle registered in your name, free of encumbrances
- Garage invoice or quotation (unique requirement for this product)
- National ID and KRA PIN
- 3 months' bank statements
- Valid vehicle insurance certificate
Happy Clients
Branches Nationwide
Asset Financing Rate
Loan Products
Licensed lending, on the record.
Phoenix Capital Limited is licensed by the Central Bank of Kenya (CBK) as a Digital Credit Provider under the Central Bank of Kenya Act, and is listed on CBK's public directory of licensed lenders. Every loan we issue comes with a written offer, transparent terms, and a formally registered NTSA transfer — no informal side agreements.