Empowering individuals, families and communities with easy, hassle‑free vehicle finance
Helping Kenyans own reliable, income‑generating vehicles through transparent, community‑focused financing—no hidden fees, no complicated paperwork.
Our Story
Transport is livelihood. Yet too many hardworking riders and entrepreneurs are locked out of ownership by high interest and hidden fees.
MRL Finance started with a simple idea: make asset ownership fair, fast, and friendly- so mobility can change lives. From our base in Mombasa and growing network across Kenya, we’ve helped riders, families, and small businesses get the wheels they need to earn and grow.
Our Mission & Vision
Mission: To empower local people and communities with easy, friendly, 0%‑interest asset financing that unlocks mobility, creates jobs, and changes lives through honest, transparent, and fair service.
Vision: A Kenya (and beyond) where everyone who needs a vehicle owns one - driving mobility, livelihoods, and community growth.
Interest Free Financing:
We grow with you - not off you.
Empowerment & Changing Lives
Every financed asset should uplift a person, a family, a community.
Customer-Focused Support:
Clear processes, real support, no jargon.
Everyone Deserves Mobility
Ownership shouldn’t be a privilege; it’s a pathway to income and dignity.
Vehicles We Finance
We finance only Baxy Passenger and Champion Cargo. Quality‑checked, reliable, and durable, built to last so breakdowns don’t cut into your income.
Baxy Express
Strong, durable, and designed to last - own the Baxy Express Passenger tuk‑tuk and start earning today. Rigorously quality‑checked and built for Kenya’s roads.
Champion CH300-C
Built for heavy loads and daily deliveries. Ideal for small businesses and hustlers who move goods across town.
Motorbike (Boda) – Financing
Coming Soon
We’re rolling out 0% interest motorbike finance next. Join the waitlist to be first in line.
Baxy Lion – Electric Passenger Tuk‑Tuk (Coming Soon)
Strong, efficient, and future‑ready. Meet the Baxy Lion electric tuk‑tuk. Join the waitlist to be first in line.
Still got questions?
Here's the answers to some of your burning questions...
How long is my approval valid?
Seven calendar days - plenty of time to pay the deposit or ask for an extension.
Can I increase my deposit to lower repayments?
Yes. Any extra you pay upfront reduces each instalment proportionally.
What if I need another vehicle later?
Clear your first plan on time (or early) and you’ll qualify for a second asset with fewer checks.
Can I apply if I don’t have a guarantor yet?
Yes. Start your application while you search for one. We’ll review everything else and keep your file open for 14 days so you can add the guarantor details later.
How are instalments collected, and does M‑Pesa charge extra fees?
Use our mobile app to pay for your scheduled payment (daily, weekly, or monthly). Only standard M‑Pesa transaction fees apply- there are no extra charges from MRL Finance.
