Payment &
Purchase Process
Buy with Complete Confidence
Buying your car from overseas should feel effortless. That’s why our payment process is designed to be clear, secure, and transparent at every stage. From your initial quotation to the final handover of your car, every transaction is handled through our regulated UK business account and PCIS DSS-accredited online payment system, and is backed by full documentation for your peace of mind.
How Your Payment
Journey Works
Step 1
Confirm Your Quotation
Once you’ve chosen your car and confirmed your preferred import service, we’ll send you a clear pro forma invoice. This details your car’s price, our service fees, transport and shipping costs, insurance, and any applicable taxes or duties. Everything is itemised so you know exactly what you’re paying for.
Step 2
Secure Your Car with a Deposit
To reserve your vehicle, a small deposit (typically 10–20%) is paid directly to MHH International Ltd. This secures your chosen car and locks in your agreed price. You’ll receive a formal receipt and confirmation once funds have cleared.
Step 3
We Secure and Verify Your Car
After your deposit has been received, we secure the vehicle on your behalf and carry out our full verification process – checking the specification, service history, mileage, and any previous accident history. When we’re happy that the car is fully verified, we will ask you to send your balance payment to us.
Step 4
Balance Payment & Collection
Once complete, we will collect your car, share proof of purchase and photographs of your car ahead of export preparation.
When your car is ready for export, we’ll issue your final invoice showing the remaining balance. Payments are made by international bank transfer (SWIFT or SEPA) directly to our UK business account. All details are provided on your invoice for a smooth and traceable transaction.
Payment Security & Transparency
Your peace of mind is our priority. Every transaction is handled through our dedicated business accounts with leading UK banks. We are PCIS DSS-certified to ensure we uphold the highest transaction-safety standards, and we never request payments to third parties or personal accounts. You’ll always receive official invoices and payment confirmations issued directly by MHH International Ltd.
We maintain strict internal controls and provide full transparency at every stage of the process, so you always know where your funds are and how they’ve been used.
Our clients value this integrity, which is why so many return to buy their next car with us.
Speak to our team about your secure payment options
Accepted Payment Methods
We make it simple to pay safely from anywhere in the world.
We accept:
- Bank transfers (SWIFT, SEPA, or domestic UK payments)
- GBP, EUR, USD, KES, NZD
- Escrow arrangements available on request
We do not accept:
- Cheques or large cash transactions
- Letters of Credit
All payment details are clearly shown on your invoice, and your import specialist will confirm them verbally before you make a transfer – adding another layer of security to every purchase.
For International Clients
If you’re buying from overseas, we can issue your invoice in GBP or your preferred currency.
We’ll also provide the documents you need for your import process, including proof of purchase, an export certificate, and VAT documentation (where applicable).
Your MHH advisor will stay in touch throughout to ensure each step of your payment and shipping journey is seamless and stress-free.
Ready to Begin Your Purchase?
Buying your next car from the UK should be exciting – not complicated.
Talk to our team to confirm your quotation and start your purchase with complete confidence.
Payment FAQs
Payment
All your questions about the payment and purchasing process.
How long does it take to import a car from the UK?
It usually takes 8 weeks for your car to be ready for you to drive it home in Kenya. We measure this from the day we receive your deposit. Broken down, this is split into two weeks in England for collection, inspection, delivery to the port, and departure. Four weeks shipping time from the UK to Mombasa, and a further two weeks in Kenya for clearing, transport to Nairobi, and preparation for your collection.
How long does it take to import a car from Japan?
You can expect to drive your car home 9 weeks after we receive your deposit. Once we have bought your car, it takes two weeks for us to inspect it, transport it and load it onto the ship. Allow 5 weeks for the shipping journey from Japan to Mombasa. And finally, when your car reaches Mombasa, it typically takes two weeks for it to clear customs, be transported to Nairobi and be prepared for you to collect it.
How long does it take to import a car from Australia?
You should allow 11 weeks for your car to be imported from Australia to Kenya. This is calculated from the day we receive your car to the day you can collect it in Nairobi. The shipping journey to Mombasa typically takes 7 weeks. When your car reaches Mombasa a further two weeks is needed for it to be unloaded, cleared, transported and prepared for your personal handover in Nairobi.
Can I buy a car from another supplier in Japan, Australia or the UK and still get my finance from NCBA?
We are happy for you to locate your car from another supplier. Our specialist buyers will then inspect and purchase the vehicle on your behalf, ensuring it is of the highest quality before shipping it to Kenya.
What age of vehicle can I finance?
Under Kenyan regulations, used cars must be no more than 8 years old.
How do I know that I can trust MHH International?
We have been importing vehicles to Kenya for over 10 years. NCBA Kenya and I&M Bank have selected MHH International as their car import partner for cars from Japan, the UK and Australia because of our strict quality control and our highly professional service.
Who do I contact to get my car purchase started?
Simply contact our team via the enquiry form on this website or via our social media. Our sales specialists will be in touch very quickly to discuss your needs. NCBA and I&M Banks will require their usual paperwork to approve your asset finance application once you’ve shortlisted a car with us.
What if I don’t have an account with NCBA or I&M Bank?
Simply contact our team via the enquiry form on this website or via our social media. Our sales specialists will be in touch very quickly to discuss your needs. NCBA and I&M Banks will require their usual paperwork to approve your asset finance application once you’ve shortlisted a car with us.
When do I start to repay my loan?
Approximately 1 month after receiving your car.
How much deposit do I have to pay?
Percentages will vary over time, but generally, NCBA Kenya and I&M Bank require a 20% deposit for used personal vehicles.
When does the deposit get paid?
The deposit is required to secure your vehicle from being sold to someone else. Typically, MHH International will require the deposit once a suitable vehicle has been chosen and the loan offer letter has been issued by NCBA or I&M Bank Kenya.
Who do I pay the deposit to?
Deposits are payable to MHH International.
Do MHH International have an office in Kenya?
Yes, we do. Please come and meet our team in Westlands, Nairobi. We would be delighted to meet you and help you to import your next car. Our address is: 4th Floor, The Pavilion, Lower Kabete Road, Nairobi.
How can I be confident that the mileage on my car has not been tampered with?
All MHH International cars must meet 6 independent inspections before we buy it on a client’s behalf. All mileage is independently certified to verify its authenticity.
How can I be sure that my car represents value for money?
MHH International can provide a shadow valuation before buying the car and will also provide a valuation as part of the package once the vehicle has arrived in Mombasa for insurance purposes. NCBA Bank Kenya and I&M Bank require that the valuation is completed by one of their approved valuers within their selected panel.
Is there any other documentation not already mentioned required to import my car?
Yes, MHH International will arrange for all necessary documents, including the IDF (Import Declaration Form), vehicle invoice, and a copy of the duty payment receipt, to be forwarded to NCBA. In addition, we will also carry out a KRA search as soon as your car has been registered and forward this to NCBA Kenya or I&M Bank for their records.
Do I have a warranty on my car?
MHH International gives a 3-month warranty on all UK cars purchased using asset finance. Japanese cars are also given an automatic 3-month warranty when purchased with asset finance, on the condition that they have had an oil service. Terms and Conditions available on request.
What happens if my car is written off after I have received it?
The vehicle should be comprehensively insured by an underwriter within NCBA or I&M Bank’s panel before the release letter is issued.
Can I restructure my loan once it has started?
Yes, you can, but there should be a justification for it and consultation with NCBA Bank Kenya or I&M Bank.
Can I make overpayments?
Yes, you can in consultations with NCBA or I&M Bank. There is no penalty for early pay-offs.
Can I select my own car insurance provider?
Yes, but it has to be within the NCBA or I&M Bank’s panel.
Am I required to have a tracker on the vehicle?
Yes. NCBA Bank Kenya and I&M Bank require you to have a tracker installed. This is arranged automatically as part of the service and is invoiced to you separately from the car. Prices start at Kes 55,000 and cover you for a full 4-year period.