Autochek

Compare all 4 products from Autochek in Kenya. Rates from 14%. Borrow up to Ksh 10,000,000.

14%

Lowest Rate

Ksh 10,000,000

Max Amount

Within 10 minutes for approved applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Autochek Digital Loan	N/A	Ksh 500 - Ksh 75,000	Within 10 minutes for approved applications	Apply
Autochek Digital Loan	N/A	Ksh 500 - Ksh 75,000	Within 10 minutes for approved applications	Apply

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🛒

Buy Now Pay Later

Product	Rate	Amount	Turnaround
Autochek Vehicle Financing	18% - 28%	Ksh 200,000 - Ksh 5,000,000	3-7 business days	Apply

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🚚

Asset Finance

Product	Rate	Amount	Turnaround
Autochek Vehicle Financing	14% - 18%	Ksh 200,000 - Ksh 10,000,000	3-7 working days	Apply

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Autochek Pros & Cons

+Pros

✓Local Kenyan customer-service team
✓24/7 application window via mobile or USSD
✓No hidden charges beyond the advertised rate
✓CBK-regulated and licensed, answerable to the Central Bank
✓Full vehicle marketplace + financing
✓Vehicle inspection included

-Cons

✗Newer entrant — shorter operational track record
✗No grace period before the late-fee clock starts
✗Loan limits start low and grow only with repayment
✗Large deposit required (10-30%)
✗Higher income requirements
✗Longer approval process

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Yes (some products)

Employment Types Accepted

AnyEmployedSelf-employedBusiness ownersSalaried employeeBusiness ownerProfessional

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account
●KRA PIN
●Proof of income (6 months)
●Bank statements
●Driving license
●Payslips or bank statements (6 months)
●Employment letter or business registration
●Proof of residence

Expert Analysis

Autochek is a CBK-licensed Digital Credit Provider, licensed in 2024 under Kenya's 2022 DCP Regulations. Loans run from KES 500 to KES 75,000 with repayment terms of 14-90 days. Disbursement is via M-Pesa or Airtel Money - within 10 minutes for approved applications. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: processing fee varies by loan size and tier; no early-repayment penalty.

Frequently Asked Questions

What interest rates does Autochek offer?

Autochek offers interest rates ranging from 14% to 28% across their 4 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from Autochek?

Autochek offers loan amounts from Ksh 500 up to Ksh 10,000,000 depending on the product and your eligibility.

How fast does Autochek disburse loans?

The fastest disbursement time from Autochek is Within 10 minutes for approved applications. Actual processing time varies by product type and application completeness.

Does Autochek require CRB clearance?

Yes, Autochek requires CRB clearance for some or all of their products. A clean credit history improves your chances of approval and may qualify you for better rates.