To apply for a loan as INDIVIDUAL, one is required to have the following:

National ID / Passport & Alien ID
KRA PIN certificate
NTSA TIMS account registered under borrower’s name
Selfie picture
6 months bank statement (electronic)
6 months M-Pesa statement (electronic)
Duly completed application form
Proforma invoice from dealership
Logbook copy
Minimum required age of borrower -18 years and above

To apply for a loan as BUSINESS, one is required to have the following:

Certificate of Incorporation
KRA PIN certificate
CR12 Tax compliant certificate
Previous years audited accounting report
Stamped extract minutes of Board of Directors’ resolution to seek financing from Watu Gari Limited
12 months bank statement (electronic)
12 months M-Pesa statement (electronic)
Duly completed application form
Proforma invoice from dealership
Logbook copy

You need to send them all to our e-mail [email protected]

We will do our best to release your asset on the same day that you applied for a loan. However, in case of unforeseen delay, the front office officer serving you will notify you of the earliest possible time to get the vehicle. The circumstances may range from your ability to make the down-payment to dealership in time, delivery of the original logbook to us, NTSA transfer & acceptance in TIMS by yourself among other circumstances beyond our control.

You will need to sign our loan aplication form, an offer letter, loan agreement, power of attorney, security agreement and funds transfer authorisation letter.