Licensed Loan Agency · Kenya

Unlock the Cash in Your Car Logbook.

Get up to Ksh 7,000,000 at a competitive 4% monthly interest rate. Keep driving your car while we process your funds — disbursed in as little as 4 working days.

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Ksh 7M

Max Loan

Monthly Interest

4 Days

Disbursement

Avg. Disbursed

Ksh 850,000

★★★★★

500+ Clients

Served & Satisfied

500+

Happy Clients

Ksh 200M+

Loans Disbursed

Monthly Interest Rate

< 4 Days

Avg. Disbursement

Why Linkage Loans

More Than a Loan — A Team in Your Corner.

Getting funds quickly is only part of what we do. At Linkage Loans, we take the time to understand your situation, advise you on the best options available, and actively negotiate terms on your behalf — so you always get a fair deal.

Our team includes qualified legal professionals who review every agreement to protect your interests. You are never left to navigate the fine print alone.

Start Your Application

Expert Guidance

We assess your specific circumstances and advise you on the loan structure that best fits your needs and repayment capacity.

Active Negotiation

We don't just pass you to a lender — we negotiate the terms on your behalf to secure the most favourable rates and conditions available.

In-House Legal Team

Our qualified lawyers review every loan agreement before you sign — ensuring the terms are fair, lawful, and fully in your interest.

Full Transparency

Every fee, charge, and condition is disclosed upfront in plain language. No hidden costs. No surprises when you reach the signing stage.

Loan Calculator

See Your Monthly Repayment

Adjust the sliders to find a plan that fits your budget.

Loan Amount Ksh 1,000,000

Ksh 50,000Ksh 7,000,000

Repayment Period 12 Months

1 Month24 Months

Monthly Repayment

Ksh 123,333

principal + interest

Total Interest

Ksh 480,000

at 4% monthly interest rate

Total Repayment

Ksh 1,480,000

over 12 months

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Simple Process

4 Steps to Cash in Your Account

No hidden fees, no unnecessary paperwork. Fast and transparent.

Submit Logbook

Send a clear photo of your logbook via WhatsApp or email to start the process instantly.

Free Car Valuation

We arrange a free professional valuation of your vehicle to determine your maximum loan limit.

Review Your Offer

Receive a personalised loan offer. Review the terms at your own pace — no pressure, no obligation.

Cash in Bank

Est. Market Value

Ksh 3M – 7M

Max Loan

≈ Ksh 4.9M

Have a Different Car?

We accept most vehicle types. Chat with us and get an estimate in minutes.

Get a Quick Estimate

Eligibility

What You Need to Apply

Simple, straightforward requirements. No unnecessary paperwork.

Individual Applicants

Original Vehicle Logbook

Registered in your name
National ID or Passport

Valid government-issued identity document
KRA PIN Certificate

Kenya Revenue Authority PIN
3 Months Bank / M-Pesa Statements

To verify repayment capacity
Recent Passport-Size Photograph

Clear, recent photo

Business / Corporate

Vehicle Logbook in Company Name

Registered to the business entity
Certificate of Incorporation

Or business registration certificate
Company KRA PIN

Business KRA PIN certificate
Director(s) National ID & PIN

For all directors / authorised signatories
3 Months Business Bank Statements

Active business account statements

Apply Now

Start Your Loan Application

Fill in the details below and one of our agents will contact you within 2 hours.

Full Name *

Phone Number *

Email Address (optional)

Car Make & Model *

Car Year *

Estimated Car Value (Ksh) *

Loan Amount Needed (Ksh) *

Preferred Repayment Period *

By submitting this form you agree to our Terms & Conditions and Privacy Policy. We will never share your information with third parties without your consent.

Why Linkage Loans

The Smarter Way to Access Your Car's Value

We built Linkage Loans to give Kenyans a fast, fair, and transparent path to the cash they need.

Low 4% Monthly Interest Rate

A competitive flat interest rate of 4% per month on the principal. All other applicable charges are disclosed upfront — no surprises.

4-Day Disbursement

From logbook submission to cash in your account in as little as 4 working days. Speed matters to us.

Keep Driving Your Car

You retain full use of your vehicle throughout the entire loan period. No disruption to your daily life.

Early Repayment Allowed

Pay off your loan early with zero prepayment penalties. Settle at any time — you are always in control.

Testimonials

What Our Clients Say

Real stories from real Kenyans we've helped.

★★★★★

"I needed working capital quickly for my business and Linkage Loans came through. The process was straightforward and the team kept me updated at every stage. Funds were in my account in 6 days!"

James Mwangi

Business Owner, Nairobi

★★★★★

"Getting my children's school fees sorted was urgent. Linkage Loans offered me a fair deal — I kept my car running and had the money in my account within a week. Very transparent team."

Grace Wanjiku

Teacher, Nakuru

★★★★★

"As a transporter I need my vehicle every single day. Linkage Loans let me expand my business without losing access to my truck. The agents were professional and completely honest."

Peter Odhiambo

Transport Entrepreneur, Kisumu

Unlock the Cash in Your Car Logbook.

More Than a Loan — A Team in Your Corner.

Expert Guidance

Active Negotiation

In-House Legal Team

Full Transparency

See Your Monthly Repayment

4 Steps to Cash in Your Account

Submit Logbook

Free Car Valuation

Review Your Offer

Cash in Bank

How Much Could Your Car Get You?

Toyota Axio (2010–2015)

Toyota Fielder (2012–2016)

Subaru Forester (2010–2015)

Nissan X-Trail (2010–2015)

Toyota Land Cruiser Prado

Have a Different Car?

What You Need to Apply

Individual Applicants

Business / Corporate

Start Your Loan Application

Application Received!

The Smarter Way to Access Your Car's Value

Low 4% Monthly Interest Rate

4-Day Disbursement

Keep Driving Your Car

Early Repayment Allowed

What Our Clients Say

Frequently Asked Questions