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Your road to ownership in three steps

From a five-minute application at your nearest branch to driving away and repaying on terms that fit your income. Here's exactly what to expect.

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The process

Apply, pay your deposit, ride and repay

  1. 1
    Step 1

    Apply at a branch

    WhereAt any MRL branch or Authorised Dealer.
    Time requiredAbout five minutes.
    What you'll shareName, ID number, phone, KRA PIN and the vehicle you want.
    Document checklistThe branch team gives you a list of the documents you'll need next.
  2. 2
    Step 2

    Pay the minimum deposit

    Vehicle reservedOnce approved, we lock the chassis number for seven days.
    Deposit amountOne fixed amount per vehicle, the same whichever repayment period you choose.
    Where to payPay using the MRL Finance app.
    Sign and insureWe walk you through the agreement and arrange insurance on the spot.
  3. 3
    Step 3

    Ride and repay easily

    Collect your vehicleDrive away the same day your deposit clears.
    Repayment optionsWeekly or monthly via M-Pesa STK push. Choose what matches your earnings.
    Reminders and supportSMS alerts three days before each instalment. Call or WhatsApp when you need flexibility.
    Finish strongAfter your final payment, we transfer ownership to your name. No balloon payment, no surprises.
FAQ

Still got questions?

Answers about approval, deposits and repayments.

Once approved, we reserve your vehicle for seven days while you pay the deposit. After that, talk to us and we'll refresh your offer.

Ready to own your vehicle?

Visit your nearest MRL branch or Authorised Dealer with your ID and KRA PIN. We'll confirm your deposit, your instalment and the documents you need.

Find your nearest branchCall 0103 006 040
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