Car Financing3 min read
How Car Financing Works in Kenya
A plain guide to car financing in Kenya: how deposits, repayments and ownership usually work, the costs to compare, and questions to ask before you commit.
Read article
Fully Licensed by the CBK as WELEND
WeLend Kenya · Financial services
Financial solutions built around your needs
WeLend Kenya provides practical financial solutions for individuals and businesses, from car financing and logbook loans to salary advances, SME financing, savings and financial technology solutions.
Serving
- Individuals
- Businesses
- SMEs
- Financial Technology
Financial Solutions
Financing and savings solutions for individuals, SMEs and businesses.
Technology Enabled
Modern financial technology behind how we serve customers and partners.
Customer Focused
Real people who explain your options clearly before you commit.
Business Solutions
Financing and financial infrastructure built for businesses.
Our solutions
What We Offer
Practical financing and savings solutions for individuals, professionals and businesses — explained clearly, with a real team behind every conversation.
- Featured
Car Financing
Vehicle financing solutions for individuals, professionals, SMEs and businesses looking to acquire a personal, commercial or business vehicle.
Explore Car Financing Logbook Loans
Vehicle-secured financing designed for eligible vehicle owners who want to unlock value from a vehicle they own.
Learn MoreSalary Advance
Financial support designed to help eligible employees manage short-term financial needs before payday.
Learn MoreSME Financing
Financial solutions designed to support businesses with working capital, expansion, stock and other business needs.
Explore SME FinancingDevice Financing
Flexible financing solutions for qualifying devices, so you can get the technology you need and pay over time.
Explore Device FinancingGoal Savings
Savings solutions designed to help you work towards specific goals — a car, education, a business, an emergency fund or personal goals.
Explore Goal Savings
Vehicle finance
Get on the road with WeLend car financing
Whether it's a family car, a delivery van or a fleet for your business, WeLend offers vehicle financing for individuals, professionals, SMEs and businesses across Kenya.
Financing for
Personal vehicles
Commercial vehicles
Business vehicles
Already own a vehicle?
A logbook loan may let you access financing secured by your vehicle.
Learn about logbook loansWho we serve
Built for individuals, businesses and the institutions that serve them
Individuals
Car financing, logbook loans, salary advance, device financing and goal savings.
SMEs
Working capital, stock, expansion and vehicle financing for growing businesses.
Businesses
Financing, verification, credit checks and statement analysis for your operations.
Financial Technology
BaaS and infrastructure for fintechs and financial institutions.
Financial technology
Financial technology & infrastructure for businesses
Beyond financing, WeLend provides the technology that helps businesses, fintechs and financial institutions verify customers, understand financial data and make better credit decisions.
Banking as a Service
Financial infrastructure that lets businesses integrate financial capabilities into their own products and customer journeys, where applicable.
Customer Verification
Identity and verification solutions that help businesses onboard customers with confidence — including KYC, identity checks, face verification and liveness.
CRB Checks
Credit bureau checking solutions that help lenders and businesses understand an applicant's credit history as part of responsible decision-making.
Statement Analysis
Financial statement analysis that helps understand income, expenses, cash flow, financial behaviour and affordability indicators.
Credit Assessment
Technology-enabled credit assessment and financial analysis that brings together information such as statements and credit history to support consistent, responsible credit decisions.
Building a financial product or serving customers at scale?
Talk to Our Business Team(opens WhatsApp in a new tab)
Partners
Working with trusted partners
How it works
From question to the right solution
- 01
Choose a Solution
Find the financial solution that fits your needs.
- 02
Talk to Us
Contact WeLend through WhatsApp or another provided contact channel.
- 03
Get Guidance
Our team helps you understand the relevant requirements and process.
- 04
Move Forward
Proceed through the appropriate WeLend process.
WeLend Assistant
Have a question? Get an answer in seconds.
Our assistant answers from WeLend's own information about our solutions. When you need a person, it hands you straight to our team on WhatsApp.
Prefer a person? Talk to WeLend(opens WhatsApp in a new tab)Try asking
Resources
Guides to help you decide
- Loans2 min read
What Is a Logbook Loan?
Learn what a logbook loan is, how using your vehicle as security generally works in Kenya, the risks and costs involved, and what to check before borrowing.
Read article - Car Financing2 min read
Car Financing vs Buying a Car in Cash
Weighing car financing against paying cash in Kenya? Compare total cost, cash flow, savings and risk to decide which approach may suit your situation best.
Read article
FAQ
Common questions about WeLend
Can't find what you're looking for? Ask the WeLend Assistant, or talk to our team directly.
Ask on WhatsApp(opens WhatsApp in a new tab)What is WeLend?
WeLend is a Kenyan financial services company that provides practical financial solutions for individuals and businesses — including car financing, logbook loans, salary advance, SME financing, device financing, goal savings and financial technology solutions.
How do I contact WeLend?
The quickest way is WhatsApp on +254 714 991111. You can also call +254 714 991111 or email [email protected].
Can I apply on this website?
This website explains WeLend's solutions. To take the next step, contact the WeLend team on WhatsApp — they will explain the requirements and guide you through the right process.
Will WeLend ask for my PIN, password or OTP?
No. WeLend will never ask for your PIN, passwords, OTP codes or full card details. Never share them with anyone.
Is WeLend licensed?
Yes. WeLend is fully licensed by the CBK as WELEND (Central Bank of Kenya).
Where is WeLend's office?
WeLend's office is at the Chandaria Incubation and Innovation Center, Thika Road, Nairobi (P.O. Box 43844 – 00100).
What are WeLend's office hours?
WeLend's office hours are Mon–Fri · 8:00 AM – 4:30 PM EAT. You can also message us on WhatsApp at any time.
What is WeLend's mission?
WeLend's mission is to make financial services transparent and fair — creating equitable value for savers and borrowers, simplifying financial processes, and empowering people to realise their financial aspirations.
Who are WeLend's partners?
WeLend works with partners including Datacultr and Unitrust.
Does WeLend guarantee approval?
No. Every request is assessed on its own circumstances. The WeLend team will explain what's required and what to expect.
Let's talk about what you need
Our team is ready to explain your options and guide you through the next steps.