Buying a truck or machine usually means spreading the cost over time. On these pages you can see indicative terms from Kenyan banks, estimate your repayments, and send a finance application when you are ready. Loans are provided and approved by lenders, not by this website.
- Truck financingCommercial trucks, tippers, buses and PSVs
- Machinery financingTractors, loaders, excavators and other heavy machinery
- Lease and loan optionsHow the main ways of paying over time differ
- Finance calculatorEstimate your repayments in a minute
- RequirementsDocuments lenders commonly ask for
- Finance applicationSend your details and the machine you want
Compare bank options
| KCB Bank | Commercial vehicles | 95% | 5% | 72 months |
|---|---|---|---|---|
| KCB Bank | School buses | 105%* | 0% | 72 months |
| KCB Bank | PSV / PSV Sacco | 70% | 30% | 36 months |
| KCB Bank | Tractors and heavy machinery | 80% | 20% | 60 months |
| DTB Kenya | New commercial and passenger vehicles | 100% | 0% | 72 months |
| DTB Kenya | Used vehicles (max 8 years old) | 80% | 20% | 60 months |
| Co-operative Bank | New and used vehicles / tractors | 80% | 20% | 72 months |
| Co-operative Bank | Heavy machinery and generators | 80% | 20% | 72 months |
| Family Bank | Brand new vehicles | 80% | 20% | 48 months |
| Family Bank | Used commercial / personal vehicles | 70% | 30% | 36 months |
| Family Bank | Used PSV vehicles | 60% | 40% | 24 months |
| Bank of Africa | New cars and machinery (standard) | 90% | 10% | 84 months |
| Bank of Africa | New cars and machinery (salary account) | 95% | 5% | 84 months |
| Bank of Africa | Used cars and machinery | 85% | 15% | 60 months |
No terms match that filter.
* A figure above 100% means the bank may finance costs beyond the vehicle price. Confirm the exact wording with the lender.
Indicative only. Banks change their terms, and every loan is subject to the bank's approval. Terms last verified: to be confirmed with each bank before launch. These banks are listed for information. ApexTrux does not present any of them as an official partner unless we say so in writing.
How a finance application works
- Submit details
Tell us the machine and your details in the finance application.
- Review
We look at your request and the machine you have chosen.
- Repayment proposal
You receive an indicative repayment proposal.
- Approve terms
You decide which terms to pursue. The lender makes the final decision.
- Documentation
You provide the documents the lender asks for.
- Delivery
Once approved and the paperwork is complete, the machine is delivered.
Seasonal repayment ideas for farmers
Farm income often arrives in seasons rather than every month. Some lenders will consider repayments that follow harvest or milk-payment cycles, and others only accept equal monthly instalments. Ask the lender before you commit. Our calculator can show an indicative schedule that pays only in the months you choose, so you can see what a seasonal plan would look like.
Questions
Read the financing questions and answers, or contact us.