Here is a comprehensive list of the top title deed loan providers in Kenya, known for their efficient services and favorable terms.
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1. Mwananchi Credit
- Specialization: Lending products for SMEs and individuals.
- Loan Features:
- Low APR of 20%.
- Repayment period: 3-12 months.
- Coverage: Loans up to 50% of land value.
- Requirements:
- Original and copy of the title deed.
- Property valuation and search.
- KRA PIN, National ID, spousal consent.
- 6 months bank statement, legal charge over the property.
- Cheque book.
- Branches: Nairobi, Mombasa, Eldoret, Thika, Kitengela, Kisumu.
- Contact: 0709 147 010.
2. Jijenge Credit
- Specialization: Financing for business or personal expenses.
- Loan Features:
- Loan tenure: Up to 24 months.
- Requirements:
- Original and 2 copies of the title deed.
- Original and 2 copies of ID, 2 passport photos.
- 6 months bank and Mpesa statements.
- Location: Nairobi Town House, 6th Floor, Suite 605, Kaunda Street.
- Contact: 0722 843 770.
3. Maendeleo Capital
- Specialization: Quick title deed loans.
- Loan Features:
- Borrow up to Kshs 500,000 within 24 hours.
- Requirements:
- Original title deed and copy.
- Copy of ID, 2 passport photos, KRA PIN.
- A chequebook account, 6 months bank statement.
- Land valuation report, utility bill or rental receipt.
- Location: Applewood Adams, Ngong Road.
- Contact: 0745 560 008.
4. Citizens Credit
- Specialization: Working capital for SMEs.
- Loan Features:
- Secured by title deeds.
- Requirements:
- Copy of the title deed, valuation report.
- Legal charge over the property.
- Location: 11th Floor, Finance House, Loita Street, Nairobi.
- Contact: 0722 646 687.
5. Atlantis Finance
- Specialization: Loans for personal or business purposes.
- Loan Features:
- Loans do not exceed 50% of the property value.
- Maximum loan amount: Kshs 2 million.
- Requirements:
- 6 months bank statement.
- Original title deed, spousal consent form.
- Land search and valuation by Atlantis-approved professionals.
- PIN certificate, duly filled application form.
- Branches: Nairobi, Mombasa, Nakuru, Kisumu.
- Contact: 0701 746 656.
6. Finezza Capital
- Specialization: Low-rate loans against mortgage-able title deeds.
- Loan Features:
- Loan range: Kshs 100,000 to Kshs 500,000 (extendable to Kshs 8 million on special arrangements).
- Interest rate: 5% per month fixed over a 12-month period.
- Requirements:
- 6 months bank statement.
- Original and 2 copies of the title deed.
- National ID.
- Location: Marsabit Plaza, Ngong Road.
- Contact: 0721 482 852.
When selecting a title deed loan provider, ensure you understand the terms and conditions, especially interest rates, repayment periods, and additional charges. Always evaluate your repayment capability to avoid financial strain.
