Are you in urgent need of cash but own a piece of land? Title deed loan providers in Kenya offer a reliable solution. These lenders give you loans based on the value of your land, using your title deed as security.
With quick approvals, minimal requirements, and flexible repayment terms, you can unlock up to 50% of your land’s value within just a day or two.
Whether for business, emergencies, or personal needs, these loans offer a lifeline when traditional banks delay or decline.
Understanding Title Deed Loans in Kenya
Title deed loans are asset-based loans that use your land or property as collateral. Most title deed loan providers in Kenya offer these loans with minimal bureaucracy and faster processing than banks. Borrowers can access between KES 100,000 to over KES 2 million depending on the value of the land.
Benefits of Using Title Deed Loans
- Fast loan approval, often within 24 to 48 hours
- Flexible repayment periods (up to 24 months)
- No need to sell your land to access funding
- Helps you seize time-sensitive business opportunities
What You Need to Qualify
Most lenders have similar requirements, which include:
- Original title deed and copies
- Your National ID and KRA PIN
- Land valuation report
- 6 months bank statements
- Spousal consent (if applicable)
- Legal charge agreement
Let’s now look at some of the best providers in the country.
Top Title Deed Loan Providers in Kenya
Mwananchi Credit
Mwananchi Credit is one of the most popular title deed loan providers in Kenya. They offer loans with low interest rates and quick disbursement.
- Loan Limit: Up to 50% of land value
- Interest: 20% APR
- Repayment Period: 3 to 12 months
- Coverage: Nairobi, Mombasa, Kisumu, Eldoret, Thika, Kitengela
- Contact: 0709 147 010
Requirements: Original title deed, ID, KRA PIN, 6-month bank statement, spousal consent, property valuation.
Jijenge Credit
Jijenge Credit provides flexible loan terms and fast processing, suitable for both personal and business uses.
- Loan Tenure: Up to 24 months
- Loan Process: Approval within 48 hours
- Location: Nairobi Town House, Suite 605, Kaunda Street
- Contact: 0722 843 770
Requirements: Original and two copies of title deed and ID, passport photos, 6 months bank and M-Pesa statements.
Maendeleo Capital
Maendeleo Capital is ideal for those who need quick small-to-mid-sized loans secured by land.
- Loan Limit: Up to KES 500,000
- Disbursement: Within 24 hours
- Location: Applewood Adams, Ngong Road
- Contact: 0745 560 008
Requirements: Original title deed, ID, KRA PIN, passport photos, land valuation, utility bill or rent receipt.
Citizens Credit
Citizens Credit helps individuals and SMEs get capital fast using land as collateral.
- Purpose: Business expansion or emergency cash
- Loan Approval: Short processing times
- Location: Finance House, 11th Floor, Loita Street, Nairobi
- Contact: 0722 646 687
Requirements: Title deed, valuation report, legal charge documentation.
Atlantis Finance
Atlantis Finance offers some of the highest title deed loan limits, up to KES 2 million.
- Coverage: Nairobi, Mombasa, Kisumu, Nakuru
- Loan Cap: 50% of land’s value, up to 2 million
- Contact: 0701 746 656
Requirements: Title deed, ID, valuation by approved valuer, bank statement, spousal consent.
Finezza Capital
Finezza Capital is suitable for borrowers needing small to medium title deed loans.
- Loan Range: KES 100,000 to 500,000 (up to 8M on special request)
- Interest: 5% per month fixed over 12 months
- Location: Marsabit Plaza, Ngong Road
- Contact: 0721 482 852
Requirements: Original and copies of title deed, ID, bank statements, proof of ownership.
Final Tips Before Taking a Title Deed Loan
Check Repayment Terms Carefully
Always ask about the total cost of the loan including interest, penalties, and legal fees.
Ensure the Title is Clean
A clean, unencumbered title speeds up loan approval and avoids legal issues.
Understand the Risk
Failure to repay the loan could lead to losing your land. Only borrow what you can repay.
