100% car financing in Kenya



Which are the companies that offer 100% car loan financing?

In Kenya, most companies offer 80 % car financing but few banks offer up to 100 % financing. We are going to reveal how to get 100% financing and where to receive the loan from.

  1. Toyota Kenya

Toyota Kenya offers up to 100% financing for a car you wish to buy as long as you meet their minimum requirements. For you to qualify for a loan, you have to meet the following terms:

Benefits of Dealing with Tsusho Capital

  • We offer in-house Finance which means getting the convenience of vehicle maintenance under the same roof as the dealer.
  • Quick credit decisions and turn-around times
  • We enable you to keep your Bank Credit Lines open for your other borrowing needs.
  • We can tailor make structured repayments to suit your specific needs
  • All your after sale services will be taken care of by tour partners. Toyota Kenya Ltd and Toyotsu Auto Mart Kenya Ltd
  • Interest Rate at 18%
  • Maximum repayment period of 5 years

To apply for your vehicle finance we would need certified copies of:


  • I.D Document and Pin
  • Latest 6 months Bank Statements
  • Latest 3 Salary Pay-slips
  • Completed Application Form


  • Certificate of Registration
  • Pin Certificate
  • Memorandum and Articles of Association
  • 6 months bank statements
  • Directors ID and Pin
  • Completed Application Form
  • Last 3 years financial statements

Foot Note
*Our products are offered at competitive interest rates.
*For further information, kindly contact our sales team on the numbers provided below.

  1. Stanbic Bank

The second place where to get 100 % financing is Stanbic Bank. If you are an account holder,you can easily get up to 100 % of the cash you need to buy a car.


SACCOs have for a long time rescued people who are in need of money to buy a car.The good thing about SACCOs in Kenya is that you can receive a loan of up to 4 times your savings, you will then use the money to buy a car.Alternatively,you can apply for a car loan, which you will easily receive as long as you are an active member.

Some of the best and most stable SACCOs include Harambee,Ushuru,United Nations SACCO and Stima SACCO.