Karibu Aspire Nairobi CBK-licensed
Financing that moves you forward.
Logbook loans, asset finance, refinancing and check-off loans for vehicle owners, businesses and employees across Kenya.
Logbook Finance
Unlock value from your vehicle while you keep driving.
- Borrow against a car you own — you keep the keys
- Up to 60% of the independent valuation
- 6 to 36 months, fixed monthly rate
Asset Finance
Finance productive assets for personal or business growth.
- Vehicles, machinery and income-generating equipment
- Structured around the asset’s earning power
- Personalised offer within 24 hours
Refinancing
Restructure eligible vehicle-backed finance with Aspire.
- Move a costly facility to a clearer, fixed rate
- One monthly instalment you can plan around
- Settlement handled directly with your current lender
Weekend Loan
Short-term support for qualifying existing customers.
- Existing Aspire customers in good standing
- Fast turnaround when you need it most
- Repayable within 7 days
Finance for the moments that matter.
Five ways to borrow, one transparent process. Choose the product that fits and apply in minutes.
Logbook Finance
Unlock value from your vehicle while you keep driving.
Learn moreAsset Finance
Finance productive assets for personal or business growth.
Learn moreRefinancing
Restructure eligible vehicle-backed finance with Aspire.
Learn moreWeekend Loan
Short-term support for qualifying existing customers.
Learn more
Civil Servant Check-off Loan
Payroll-deducted financing for eligible government employees.
Learn moreReady to take the next step?
Explore your options and apply securely online.
Eligibility and terms apply. Final approval follows verification and assessment.
How it works
From application to funds, fully explained.
No waiting rooms, no jargon — four clear stages, each one visible in your Client Portal.
Apply online
Tell us which loan you need, the amount and your preferred term. It takes about five minutes from any device.
≈ 5 minutesVerify
We confirm your identity and documents — National ID, KRA PIN and the checklist on your product page.
Same dayAssess
Your affordability and, for vehicle-backed loans, an independent valuation set the terms of your personalised offer.
Within 24 hoursDecision
Accept your offer in the Client Portal. Funds are released once the security and paperwork are complete.
On acceptanceWhy Aspire
A licensed lender that puts affordability first.
Aspire Lending is a Central Bank of Kenya licensed Digital Credit Provider. We price clearly, assess honestly and structure every repayment around what your income can actually carry — before, during and after you borrow.
- Fixed monthly rate confirmed in a personalised offer
- Repayment terms from 6 to 36 months
- Decisions within 24 hours of a complete application
- Offices at Rehema Place, Ngong Road, Nairobi
Licensed by the CBK
A regulated Digital Credit Provider operating under Kenyan law — your rights are protected.
Clear pricing
A fixed monthly rate, every cost set out in your offer before you sign. No hidden charges.
Decisions within 24 hours
Complete applications get a decision in a day, not weeks.
Secure applications
Your details travel over an encrypted connection and are handled under Kenyan data-protection law.
Responsible lending
Repayments are structured around what your income can genuinely carry.
Dedicated support
A team on call, WhatsApp and in our Ngong Road offices — before, during and after you borrow.
Learning Centre
Borrow smarter.
Logbook Loans in Kenya: Complete 2026 Guide
What a logbook loan is, how the security works and what to check before you sign.
Asset Finance for Kenyan Businesses Explained
Financing equipment and productive assets without draining working capital.
Loan Application Checklist for Kenya
Every document and detail to have ready so your application moves fast.