Visit the RUBIX office
Register in person and present your National ID and KRA PIN. Our team records your details and explains the next steps.
Find your preferred vehicle
Look for a vehicle within 600cc–1500cc from an eligible vehicle yard. Once you identify it, inform the RUBIX office and share the vehicle details.
Office valuation
RUBIX assesses the proposed vehicle, its condition, documentation and value before making a financing decision.
Vehicle approval
If the vehicle meets the applicable criteria, the office confirms approval and communicates the deposit and repayment terms.
Sign the contract and pay deposit
Read and sign the financing agreement. Pay the deposit applicable to the vehicle's engine-capacity band using the official payment instructions.
Collect your vehicle
Once the contract and payment requirements are confirmed, collection is arranged through the RUBIX office.
What each stage means for you
RUBIX follows an office-led process so that the customer, the proposed vehicle and the financing terms are reviewed before collection.
1. Start with customer registration
Visit the RUBIX office with your original National ID and KRA PIN. The team records your registration details, verifies your identity in person and explains how to proceed with a vehicle selection.
2. Identify a suitable vehicle
Search at an eligible vehicle yard for a vehicle within the 600cc–1500cc range. Note the registration details, asking price, engine capacity and yard contact so the office can identify the exact vehicle.
3. Allow the office to assess it
The proposed vehicle is reviewed for condition, identifying details, supporting documentation and value. This assessment helps RUBIX determine whether the vehicle can be considered under the financing arrangement.
4. Review the financing decision
If the vehicle is approved, RUBIX calculates the hire-purchase price by adding financing interest equal to 15% of the approved vehicle cash price. That interest is included in the total amount payable. The office then explains the deposit, daily instalment, estimated repayment period and other agreed terms before you accept.
5. Complete the agreement and deposit
The written agreement records the vehicle, cash price, hire-purchase price, deposit, instalment schedule and relevant responsibilities. Sign the agreement and make the required deposit using the official instructions provided by the office.
6. Arrange collection
After the required documents and payments have been confirmed, the office coordinates the vehicle handover. Keep your signed agreement and payment records for reference throughout the repayment period.
Make your first office visit count
Arriving prepared helps the team guide you through registration and explain the next step without unnecessary back-and-forth.
Bring: your original National ID and KRA PIN details. If requested for affordability assessment, also bring either a bank statement or M-Pesa statement covering the most recent six months. If you have already identified a vehicle, bring its registration number, engine capacity, asking price, yard details and any available vehicle information. You can also use the repayment calculator before your visit.