Kuchukua car loan is one of the most common loans for Kenyans. But kuna ujanja unaeza tumia kujua if you can afford that loan.

It's the 20/4/10 rule

Make sure unaeza weka 20% deposit kwa hiyo gari

Unafaa uweze kuilipia in 4 years or less

Hufai kuspend more than 10% of your income kwa transport costs

If it doesn't fit hii rule, then hio moti is too expensive for you