The main objective of this study was to analyse factors that influence levels of accessibility to
credit among owners of small and medium vehicle garage enterprises in Arusha city and Moshi
Municipality. The study involved cross-sectional design where data were collected once while
sampling procedure involved multi-stage sampling technique with two stages. The first stage was
used to select geographical location while the second stage was used to select vehicle garage
enterprises and the main respondents. In total, 245 vehicle garage enterprises were selected
randomly from the study area while their owners were selected purposely because of their
positions. In addition, 20 key informants were selected purposely to complement information
given by the main respondents. Data for the study were collected using interviews and
documentary reviews. It was found that accessibility to credit among owners were influenced by:
size of the vehicle garages; highest levels of education possessed by owners; and location of the
vehicle garage enterprises. Owners of the vehicle garage enterprises are advised to increase
accessibility to credit among them. This can be done by establishing their own SACCOS that can
be used to issue credit to members at reduced rates of interests; applying for land from the
government in order to construct permanent garages that can be used as collaterals in financial
institutions; and by formalising their vehicle garage enterprises by registering them in the
government. Owners are further advised to increase performance of their vehicle garage
enterprises by increasing their sizes, increasing their levels of education, establishing and
managing own built vehicle garage enterprises.