logbook Loans

To access a Logbook loan a prospective client needs to present the following:

Passport size photo

Original and copy of ID and KRA PIN

Six-months bank and M-PESA Statements

Original Logbook

Comprehensive Insurance Cover

Loogbook Loans

Logbook Loans​

Our logbook loan is a best-in-class proposition that enables our customers to access up to 70% of the forced sale value of the vehicle to be used as security, which means it has the best loan-to-value ratio (motor vehicle discounting percentage) in the market.

The minimum loanable amount is KES100,000, while the maximum is KES 2 Million subject to the value of the vehicle being collateralized. However, our flexibility is such that, a higher amount can be considered if one requests for an exemption.

The same is extended on our repayment period, which, while set at 12 months, is also subject to similar re-consideration, on request
Timely Disbursement: If one has all the required documentation in place, we guarantee, at most, eight hours for approval and no hidden charges, backed by our ‘Bayesian’ tradition of excellent consumer experience.
Automatic access: Based on integration with our product ecosystem, our customers get automatic access to an upper limit of KES50,000 on our Bayes Mobile Loan App.

Significantly, the loan is disbursed as per the customer’s preference – whether through the Bayes Wallet, M-PESA, or bank transfer.

Early Repayments: if you wish to settle your liability early, we do not charge you any penalties or fees.

How to Find Us


Mitsumi Business Park,
5th Floor,
Muthithi Road, Westlands


+254 759 808 086
Monday to Friday 8am - 5:30pm



Licensed by CBK as a Digital Credit Provider