Get a boda boda or tuk tuk loan in 2 hours!

Securing your loan is as easy as 1 2 3…

Step 1

Visit our branch or authorised dealer near you.

Step 2

Our team will guide you to select a suitable asset.

Step 3

Select your preferred repayment plan and sign the agreement.

Step 4

Ride away with your newly acquired asset!
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Why choose Watu

Customer focus

We are always available on various platforms to take care of all your customer needs.

Fast turn-around

Our operations are automated and aim to get your asset processed within 2 hours.

We are transparent

No hidden fees; what you see is what you get!

Ready to get started? Ride away with your own boda boda or tuk tuk today!

Watu is one of the leading asset financing companies in Kenya, providing boda boda and tuk tuk loans to thousands of aspiring business owners every day!

With a minimum down payment and flexible weekly payment plans, you can become a proud boda boda or tuktuk owner within 2 hours! We offer flexible payment terms of up to 24 months, and your loan comes with GPS tracking services. In addition, Watu works with over 400 authorised dealers across Kenya so that you can ride the two-wheeler of your choice! Choose any boda boda or tuk tuk model from Ampersand, ARC Ride, Bajaj, Haojin, Honda, Jincheng, Lifan, Piaggio, Skygo and TVS.

Start your journey today!


To qualify for a loan, you need to have:

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Frequently Asked Questions

To qualify for a loan from Watu, one is required to have the following:

  • An original ID (borrower and one guarantor)
  • KRA PIN certificate
  • Two referees (aged 18 years and above)
  • 1 guarantor (aged 20 years and above)
  • A minimum down payment for selected asset
  • A Safaricom phone number that is registered with M-Pesa and has been in the use for the last 6 months

The loan is made up of the retail price of the asset and the value added services. The value added services includes fees for the GPS tracker, log book transfer, comprehensive insurance policy, customer service and a 24/7 emergency response team. This information can be found summarised on the first page of your loan agreement.

Watu accepts loan repayments via M-Pesa only. Use the following details to make your weekly payment to Watu:

Pay Bill number: 650880

Account number: Borrower’s National ID number

To check your loan balance with Watu, dial *876# and follow the instructions. 

Please note that standard SMS/call rates charged by your mobile service provider may apply. 

You can get information on the account status at any time of the day and night. This service is accessible through the phone number that was registered in our system during the loan application.

Customers can also reach out to our Customer Care line on 0790 000 999/0709 739 000. We offer dedicated customer service support from 6am to 10pm daily, including weekends. 

Get a Logbook loan with Watu Gari