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Visit our branch or authorised dealer near you.
Our team will guide you to select a suitable asset.
Select your preferred repayment plan and sign the agreement.
Ride away with your newly acquired asset!
Get Started
We are always available on various platforms to take care of all your customer needs.
Our operations are automated and aim to get your asset processed within 2 hours.
No hidden fees; what you see is what you get!
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 comprehensive insurance and 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 from Watu, one is required to have the following:
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
Your boda boda/ tuktuk loan from Watu comes with a comprehensive insurance policy. This policy covers the asset, passengers and third-party compensation. However, the rider is not covered by this policy. It is advisable for riders to have a personal private cover for accidents.
For boda boda loans, the motorbike is covered for a period of 1 year, after which the customer is responsible to renew the insurance.
For tuktuk loans, the coverage lasts a period of 2 years.
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.
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