Pezeka CreditPezeka Credit

Get aLogbook Loan

We also offer Business, Salary & QuickPesa loans in minutes.

Use your vehicle logbook to unlock high-limit cash — no need to sell your car. Plus instant, business, and salary loans straight to your M-Pesa in minutes.

Instant LoansLogbook LoansBusiness LoansSalary Loans
10,000+ Customers Served
Approval in Under 30 Min
100% Digital Process
Confident Kenyan Entrepreneur
Simple Process

Get a Loan in 3 Easy Steps

No collateral, no paperwork, no bank queues. Just your smartphone and a few minutes of your time.

1

Register

Sign up in minutes with just your phone number and national ID. No paperwork required.

2

Apply

Choose your loan product, enter the amount you need, and submit your application digitally.

3

Receive Funds

Get approved within minutes and receive funds directly to your M-Pesa account instantly.

Loan Calculator

Calculate & Apply in Seconds

Pick your loan type, adjust the sliders, and apply — your details are pre-filled automatically.

Logbook Loans

Fast, Affordable & Flexible Logbook Loans

Get the funds you need at competitive rates and keep driving your car.

  • Competitive Interest Rates
  • Quick Approvals
  • No Hidden Charges
  • Flexible Repayment
  • Keep Driving Your Car
  • High Loan Limits

Apply for a Logbook Loan

Adjust the sliders to estimate your repayment.

KES 1,000,000
1,000,000KES
100,0005,000,000
6Months
124

monthly Instalment

KSh 266,667

for 6 Months · 10% p.m. interest

Our Products

Our Loan Products

We offer a variety of loan products designed to meet the diverse needs of our customers.

Instant Loans
Get cash in your M-Pesa within minutes. Our instant loans are designed for urgent needs — no collateral, no paperwork, just fast approval.
M-Pesa InstantNo CollateralMinutes to Approve
Logbook Loans
Leverage your vehicle's value to unlock fast, high-limit financing. Keep driving your car while we put capital in your hands.
Keep Your VehicleHigh LimitsAsset-Backed
Business Loans
Scale your business with flexible financing tailored to your cash flow. From stock purchases to equipment — we back Kenyan entrepreneurs.
Flexible RepaymentGrowth CapitalQuick Approval
Salary Loans
Borrow against your salary before payday. Simple, low-interest advances for salaried employees with straightforward repayment.
Payslip-BackedLow InterestSame-Day Disbursement

Who Qualifies:

Kenyan Citizen or Resident
Age 18 and above
Active M-Pesa Account
Smartphone Required
Customer Stories

Real People. Real Results.

Thousands of Kenyans across the country have used Pezeka Credit to grow their businesses and manage life's unexpected moments.

Nilipata loan ya Ksh 30,000 ndani ya dakika 10. Niliongeza stock yangu na biashara yangu imekua zaidi. Pezeka ni mkombozi wa kweli!

GW

Grace Wanjiru

Mama Mboga, Githurai

I needed urgent cash to repair my motorbike. Pezeka processed my salary advance the same day. No stress, no queues — just money in my M-Pesa.

JO

James Odhiambo

Boda Boda Operator, Kisumu

The logbook loan helped me expand my salon without selling my car. The repayment plan was flexible and the team was very supportive throughout.

FH

Fatuma Hassan

Salon Owner, Mombasa

I was skeptical at first, but Pezeka Credit is genuinely transparent. No hidden charges, no surprises. My business loan came through in under 30 minutes.

PK

Peter Kimani

Hardware Trader, Nakuru

10,000+

Satisfied Customers

4.8 / 5

Average Rating

< 30 min

Avg. Approval Time

Wealth Creation

Become an investor at Pezeka

Grow your wealth while empowering local businesses. Join a community of savvy investors backing the future of Kenyan entrepreneurship.

Standard Growth Portfolio
Our core investment vehicle designed for consistent, steady growth. Your capital is diversified across a high-performing credit pool, ensuring stability and reliable wealth accumulation over time.
  • Daily compounding growth
  • Low risk profile
  • Ideal for long-term wealth
Corporate Investment
Tailored for businesses and institutions looking to optimize their cash reserves. Benefit from institutional-grade oversight and a structured approach to managing your corporate liquid assets.
  • High liquidity
  • Dedicated account manager
  • Comprehensive reporting
Target Savings Plan
Whether you are saving for a home, education, or a major purchase, our target-based plans provide the discipline and growth needed to reach your financial milestones faster.
  • Goal-specific tracking
  • Flexible deposit schedules
  • Automated reminders
Community Impact Bonds
Invest with purpose. Your capital directly supports local entrepreneurs and small businesses in Kenya, fostering economic growth while you earn competitive returns on your contribution.
  • Direct social impact
  • Transparent allocation
  • Vetted credit opportunities

Secure

Asset Backed

Easy

Digital Process

Impact

Kenyan Growth

Fast

Quick Withdrawals

Latest Insights

Financial Advice & Resources

Expert articles designed to help Kenyans navigate digital borrowing, understand credit scores, and grow their businesses safely.

4 min read
Quick Pesa: How to Get a Fast Loan in Kenya Within Hours

Apr 12, 2026

Need emergency cash fast? Discover how Quick Pesa-style rapid loans work in Kenya, where to apply, and how Pezeka Credit can put money in your hands the same day.
6 min read
Logbook Loans in Kenya: Unlock Big Capital Using Your Vehicle

Apr 10, 2026

Your car is worth more than you think. Learn exactly how logbook loans work, the requirements, interest rates, and how to safely borrow against your vehicle to grow your business.
5 min read
Salary Advance Loans in Kenya: Bridge the Gap Before Payday

Apr 08, 2026

Rent due before your salary arrives? A salary advance loan can save the day. Find out how payslip-backed loans work, who qualifies, and how to apply at Pezeka Credit.
5 min read
Understanding CRB Clearance: How to Check Your Status in Kenya

Apr 06, 2026

Demystify Credit Reference Bureaus and learn the steps to check your credit status, rebuild your score, and unlock better lending rates for your business.
5 min read
How to Get a Loan Without a Payslip in Kenya (2026 Guide)

Apr 04, 2026

Self-employed or in the informal sector? You can still access credit. Explore collateral-based and alternative-income loan options available to Kenyans without a formal payslip.
7 min read
Best Loan Options for Small Businesses in Kenya in 2026

Apr 02, 2026

From dukas to boda bodas — explore the best financing options for Kenyan SMEs in 2026. Compare mobile loans, logbook loans, and microfinance to find the right fit for your biashara.
4 min read
How to Spot Safe Mobile Lenders vs. Predatory Apps

Mar 28, 2026

Avoid unregulated digital lenders and data-shaming traps. Learn how to verify legitimate lenders registered under the Data Protection Act for safe borrowing.
6 min read
Secured vs. Unsecured Loans: Which is Best for Your Biashara?

Mar 22, 2026

Should you use your vehicle logbook to secure a loan? We compare secured and unsecured credit facilities to help you choose the best growth engine for your SME.
About Us

Your Trusted Financial Partner

Pezeka Credit is a trusted financial partner dedicated to providing accessible and reliable credit solutions. Our mission is to empower individuals and businesses to achieve their financial aspirations through transparent and responsible lending.

With a focus on customer satisfaction and ethical practices, we strive to build long-lasting relationships with our clients, helping them navigate their financial journey with confidence.

  • Speed: Approved in minutes, funds in your M-Pesa instantly.
  • Flexibility: Repayment plans tailored to your business cash flow.
  • Accessibility: No collateral, no paperwork — just your smartphone.
  • Support: Dedicated customer support every step of the way.
Data Encryption
Secure Transactions
Privacy Protected
About Pezeka Credit

Get in Touch

Have questions? We'd love to hear from you. Fill out the form below or reach out to us directly.

Contact Information

Address: Nairobi, Kenya

Phone: +254 757 664047

Email: pezekalimited@gmail.com

Send us a Message