We provides financial services to small businesses, employees, and entrepreneurs thus bridging a major gap in the financial industry. The institution thus supplements and complements the role played by banks, Saccos, and other financial services providers.


ECL Core Value

  • Professionalism
  • Respect and Dignity to customers
  • Integrity
  • Creativity and Innovation
  • Teamwork


  • Who is eligible for our Loan?

    Any person, with a legal source of income, and a registered logbook

  • What is our interest rates?

    We don't have a fixed interest rate however we price the risk-The higher the risk the higher the interest and vice versa.

  • What is the limit that one borrow?

    Up to 50% of the vehicle’s value, in consideration of net monthly cash flows and up to a maximum of KES 2,000,000.

  • Is there a limit to the age of the car?

    Yes. The car’s year of manufacture must not exceed 15 years.

  • How is the loan repaid?

    Monthly installments through post-dated cheques or via direct bank deposit or through our paybill No.

  • What if the customer has their own Valuation Report?

    The report will only be accepted if the valuation company is on our panel of authorized valuers.

  • What if the car already has a tracker installed?

    We shall need to install an additional tracker, from one of our authorized tracking companies.

  • What is the tenure of the facility?

    We offer flexible repayment period of Up to 12 months

  • Are there any restrictions in regards to location?

    No, we serve all clients within Kenyan boarders.

  • Are there early repayment penalties?

    No, we waive interest for the remaining period.

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