Payments

Cash vs Instalment Land Payments in Kenya

Choose the payment plan that fits your budget and your goals.

Most reputable land sellers offer two options: pay the full price in cash, or pay a deposit and clear the balance in instalments. Each has its place.

Paying Cash

  • Lower total price
  • Faster path to title transfer
  • No ongoing payment commitments

Paying in Instalments

  • Small deposit to get started
  • Spread the cost over months
  • Slightly higher total price
  • Requires discipline to complete the payments

Example From Our Plots

PropertyCashInstalmentDeposit
Ziwani Ridge, NaivashaKsh 490KKsh 550KKsh 100K
Greywood LukenyaKsh 1.85MKsh 2.05MKsh 200K
Bahari Residency, DianiKsh 2.2MKsh 2.4MKsh 300K

Questions to Ask Before You Choose

  • How long is the instalment period?
  • When will the title be transferred?
  • What happens if I miss a payment?
  • Is every payment receipted and recorded?

Our Advice

If you can pay cash comfortably, you save money. If cash would strain you, a structured plan lets you own land without borrowing.

Always read the sale agreement carefully and have it reviewed by an advocate.

Pick the Plan That Works for You

Our team will explain each option clearly, with no pressure.