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🚗 Car Finance Uganda

Compare auto loans from leading banks, SACCOs, and microfinance institutions. Find the best interest rates and terms for your vehicle purchase.

Quick Loan Calculator

Estimate your monthly payments

Monthly Payment
UGX 1,024,567
Loan Amount: UGX 40,000,000
Total Interest: UGX 9,179,216
Total Payment: UGX 49,179,216

Top Lenders in Uganda

Compare interest rates and terms from leading financial institutions

Stanbic Bank Uganda

Bank
Interest Rate: 13.5% - 18%
Max Term: 60 months
Down Payment: 10% min
Processing Fee: 1%
Max Finance: 80%

0800 211 100

info@stanbic.co.ug

stanbicbank.co.ug

Features:
Quick approval Flexible terms Existing customer rates

Centenary Bank

Bank
Interest Rate: 14% - 19%
Max Term: 48 months
Down Payment: 15% min
Processing Fee: 1.5%
Max Finance: 75%

0800 200 333

customercare@centenarybank.co.ug

centenarybank.co.ug

Features:
Low interest rates Wide branch network Quick disbursement

DFCU Bank

Bank
Interest Rate: 13% - 17.5%
Max Term: 60 months
Down Payment: 10% min
Processing Fee: 1%
Max Finance: 85%

0800 299 000

info@dfcugroup.com

dfcubank.co.ug

Features:
Competitive rates Flexible repayment Insurance bundled

Pride Microfinance

Microfinance
Interest Rate: 18% - 24%
Max Term: 36 months
Down Payment: 20% min
Processing Fee: 2%
Max Finance: 70%

0800 144 337

info@pridemicrofinance.co.ug

pridemicrofinance.co.ug

Features:
Accessible to all Group loans Minimal requirements

Housing Finance Bank

Bank
Interest Rate: 13.5% - 18.5%
Max Term: 60 months
Down Payment: 10% min
Processing Fee: 1%
Max Finance: 80%

0800 299 249

info@housingfinance.co.ug

housingfinance.co.ug

Features:
Competitive rates Long repayment Asset financing

Equity Bank Uganda

Bank
Interest Rate: 14% - 19%
Max Term: 60 months
Down Payment: 10% min
Processing Fee: 1%
Max Finance: 80%

0312 226 400

info@equitybank.co.ug

equitybank.co.ug

Features:
Regional banking Mobile integration Flexible terms

Loan Requirements

  • National ID or Passport
  • Proof of income (payslips/bank statements)
  • Employment letter (for salaried)
  • Business registration (for self-employed)
  • Vehicle proforma invoice
  • Passport photos (2 copies)
  • Utility bill (proof of residence)
  • Recommendation letter (some lenders)
  • Guarantor details (if required)

Apply for Car Loan

Submit your details and we'll connect you with lenders

Car Finance FAQs

What's the minimum down payment in Uganda?

Most banks require 10-20% down payment. Some microfinance institutions may require up to 30% for first-time borrowers.

How long does loan approval take?

Banks typically take 3-7 working days. Microfinance institutions can approve in 24-48 hours.

Can I get a loan with a foreign passport?

Yes, but you may need a work permit, residence permit, or additional documentation depending on the lender.

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