Updated 31 October 2026
To get a MOGO car logbook loan in Kenya you need a car registered in your name with a valid NTSA logbook, your national ID or passport, KRA PIN, driving licence, six months of bank statements, an M-Pesa statement and a payslip if you are employed, and you must be 23 to 70 years old. MOGO lends from KSh70,000 up to KSh1,000,000, up to 70% of the car’s value, repayable over a maximum of 24 months, according to its logbook loan page and official FAQ.
MOGO logbook loan at a glance
| Item | MOGO terms (Oct 2026) |
|---|---|
| Minimum loan | KSh70,000 |
| Maximum loan | KSh1,000,000, up to 70% of the car’s value |
| Repayment period | Up to 24 months, monthly instalments |
| Age limit | 23 to 70 years |
| Upfront or application fees | None, according to MOGO |
| Valuation fee | Free |
| Deductions from loan amount | None; full amount disbursed |
| Approval | Same day once documents are verified |
| Interest rate | Personalised; not published on MOGO’s site |
Full list of required documents
- Original logbook of the car, registered in your name
- National ID or passport
- KRA PIN certificate
- Driving licence
- Six months of bank statements as proof of income
- M-Pesa statement
- Official payslip, if you are employed
Self-employed borrowers use bank and M-Pesa statements to show income. MOGO says it assesses creditworthiness, so complete and accurate information matters.
Conditions on the car
- You must own the car and it must be registered to you. MOGO’s FAQ says only car owners are eligible.
- All obligations on the car must be settled with the relevant institutions, so an existing loan or caveat needs clearing first (or use a buy-off, below).
- The car cannot be driven outside Kenya while MOGO’s name is on the logbook.
Step-by-step: how the MOGO loan process works
- Apply online on mogo.co.ke, call 0768 469 112, or visit a MOGO branch.
- Submit the documents listed above.
- A MOGO valuer inspects the car (free of charge).
- You receive a personalised offer and sign the contract.
- A GPS tracker is installed in the car.
- MOGO’s name is added to the logbook, which becomes jointly registered in your name and MOGO Kenya’s.
- The money is sent to you, and you keep driving the car.
After full repayment, MOGO contacts you to discharge the logbook back to your name alone.
MOGO BuyOff: switching from another lender
If you already have a logbook loan elsewhere, MOGO’s BuyOff product pays off the existing lender, can give you extra cash on top, and spreads repayment over up to 24 months. Before switching, compare the total cost, not just the monthly instalment, because a longer term can mean paying more interest overall. Our guide to loan buy-offs explains how to do that comparison.
Interest rate: ask for the total cost
MOGO does not publish a fixed interest rate; it says each offer is personalised. Before signing, ask for the monthly rate, the annual percentage rate (APR), any insurance or tracking costs, and the total amount repayable. Logbook loans are secured on your car, so missed payments can lead to repossession. If you struggle to pay, MOGO says to contact customer support early to discuss a revised plan.
Contacts
Phone: 0768 469 112. Email: info@mogo.co.ke. MOGO also offers boda boda financing; see our Watu vs MOGO comparison.
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