Why choose Watu Gari


Affordable interest rate with no hidden fees!


Drive your dream car in 24 hours!


Loan period of 6- 60 months on any car with no limitations!


Flexible, reliable and transparent car financing in Kenya

Watu Gari started operations in 2021 to provide flexible car financing solutions for Kenyans.

We believe a car can mean many things to different people, so we want to help you drive your dreams. As one of the most reliable car loan facilities in Kenya, we’re here to provide you with seamless, speedy and transparent service. 

Pick any car from select dealerships around Kenya, get your loan approved within 24 hours and enjoy accommodating loan terms of up to 60 months!

Get ready to drive ndoto zako with Watu Gari!


To qualify for a loan, you need to have:

How it works

Loan Calculator

Finance with Watu Gari

Car Value KShs
Loan Amount
Loan Term Months
incl. processing fees & insurance

Frequently Asked Questions

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Q. When can I come to collect my logbook?

Logbook transfer process begins when you finish paying for the asset. Your NTSA TIMS account must be operational. Our team will initiate the log book discharge process thus requesting for transfer of the logbook from Watu Gari to your name.

When the online transfer is complete, our officer will notify you of the pick-up Watu branch where the logbook (still under joint names) is handed over to the client. The client is advised to take the logbook to NTSA offices in about 2 week’s time to obtain the logbook in his/her name.

The whole process takes approximately one month to process.

Q. What are the requirements for one to get financing from Watu Gari?

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

Q. What are the requirements for a business to get financing from Watu Gari?

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

Q. Where do I send my application documents for car financing?

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

Q. How long does it take for me to get my vehicle?

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.

Q. What documents do I need to sign to access the loan?

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

Rate Information

*Our interest rate is applicable to loans of up to Kshs 5,000,000.

*The rate is subject to change and the representative APR may vary with the rate applied on the borrower’s loan.

*The APR may vary based on amounts borrowed, loan duration and personal financial credit score.

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