Financing a car in Nairobi — what to know

Deposit, tenure, insurance, and total cost of ownership when you finance through a bank or dealer.

Look at total cost, not just monthly payment

A longer tenure lowers the instalment but raises interest paid. Model fuel, insurance, and major service intervals in the same spreadsheet.

Most facilities want 10–30% deposit and comprehensive insurance assigned to the lender. Factor that into cash you need on hand.

Dealers on Welsh Motorhub often work with common bank panels — ask early whether a specific listing qualifies before you inspect.