Help and FAQs
Answers about Umba loans, savings and business accounts in Kenya, including which documents you need for a logbook loan and how to share your M-Pesa statement.
Monday to Friday, 8:00 AM to 5:00 PM. Saturday, 8:00 AM to 12:00 PM.
Guides: statements and documents
Logbook loan and car finance applications ask for M-Pesa and bank statements for the last 6 months. M-Pesa statements are issued by Safaricom. If you need help getting or sharing yours, email kenyasupport@umba.com or call/WhatsApp +254 746 555 222 during our support hours and our team will guide you.
If you are employed: proof of employment (last 3 months pay slips and contract letter), a copy of your logbook, National ID, KRA PIN, and M-Pesa and bank statements for the last 6 months. If you run a business: proof of business (a permit, registration or licence) instead of proof of employment, plus the same logbook, National ID, KRA PIN and statements.
Download the Umba app from the App Store or Google Play, or apply online.
About Umba
Umba is a digital bank licensed by the Central Bank of Kenya (CBK), offering savings, loans, payments, and business banking through our mobile app and website; no queues, no branch visits, no long waits.
Yes. Umba Kenya is fully licensed by the CBK, and deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
No. You can open an Umba account entirely from your phone through our app — sign-up takes a few minutes and requires only your ID and a selfie for verification.
Our team is available Monday–Friday, 8:00 AM–5:00 PM, and Saturday, 8:00 AM–12:00 PM. You can reach us at kenyasupport@umba.com or call/WhatsApp +254 746 555 222.
Logbook loans
A Logbook Loan lets you borrow against the value of your vehicle while continuing to use it, using your car's logbook as collateral.
You can access up to 70% of your car's value, with funds disbursed within 6 hours of approval.
To apply for a logbook loan, all you need is proof of employment (i.e. last 3 months pay slips and contract letter), a copy of your logbook, National ID, KRA PIN, and M-Pesa and bank statements for the last 6 months.
Umba Microfinance Bank is based in Nairobi (Timshack House, 2nd Floor, Ngong Road) and is licensed by the Central Bank of Kenya. You can apply for a logbook loan from your phone through the Umba app or online, with no branch visit.
Yes. With a logbook loan you keep driving your car. Its logbook is used as collateral for the loan.
If you run a business, you need proof of business (i.e. a permit, registration or licence) in place of proof of employment, plus a copy of your logbook, National ID, KRA PIN, and M-Pesa and bank statements for the last 6 months.
Car finance
Car Finance is asset financing for customers who want to purchase a vehicle, with Umba financing the purchase and the vehicle serving as security for the loan.
Get up to 70% car financing, with a processing time of 6 hours.
Yes. Umba car finance is for businesses and individuals buying a new or used vehicle. The vehicle serves as security for the loan.
If you are employed, you need proof of employment (i.e. last 3 months pay slips and contract letter), a copy of the logbook, National ID, KRA PIN, and M-Pesa and bank statements for the last 6 months. If you run a business, proof of business (i.e. a permit, registration or licence) replaces proof of employment.
Umba Kenya is fully licensed by the Central Bank of Kenya (CBK), and deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
Savings and fixed deposits
For our Stash account, earn up to 5% interest p.a. with no minimum balance required. You can earn up to 16.5% per annum on your Umba Savings account, starting with as little as Ksh. 5,000.
A Savings account gives you instant access to your money while it earns interest. A Fixed Deposit locks your funds for an agreed term in exchange for a higher interest rate.
Yes, you can make an early withdrawal and keep the interest accrued so far.
For the Umba Stash account there is no minimum deposit required. For the Fixed Deposit account you can start with as little as Ksh. 5,000.
Yes. Umba Kenya is fully licensed by the Central Bank of Kenya (CBK), and deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
You need your KRA PIN, a passport photo, and your National ID or international passport. You can open an account from your phone in the Umba app, with no branch visit.
UmbaPay for business
UmbaPay is Umba's all-in-one business account for receiving payments and accessing loans — including a Paybill account for businesses that need to collect customer payments.
Yes, eligible customers can apply for an UmbaPay loan directly in the app.
To qualify for a business loan, you need to have a registered business in Nairobi that has operated for at least 1 year.
Support and security
Contact us immediately at kenyasupport@umba.com or +254 746 555 222, and our team will help secure your account.
Email kenyasupport@umba.com, call +254 746 555 222, or visit us at Timshack House, 2nd Floor, Ngong Road, Nairobi during our banking hours.
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Umba Microfinance Bank is fully licensed by the Central Bank of Kenya (CBK) and our deposits are insured by the Kenya Deposit Insurance Corporation (KDIC).
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