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 down payment of Kshs 20,000, you can become a proud boda boda 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 Bajaj, Haojin, Honda, Jincheng, Lifan, Piaggio, Skygo, Sonlink and TVS.

Looking for tuk tuk financing? Pay a minimum down payment of Kshs 50,000 and start your journey today!


To qualify for a loan, you need to have:

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Frequently Asked Questions

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Q. What is my loan for?

Watu Credit has granted you a loan to enable you to purchase the Vehicle.

Q. What is meant by “Vehicle” in the loan agreement?

“Vehicle” in the loan agreement refers to the motorbike or three-wheeler that you have purchased using the proceeds of the loan.

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

You need to sign a loan agreement which details the terms of the loan and a security agreement which provides that the Vehicle is security for the loan and which allows Watu to sell the Vehicle if there is a default under the loan agreement.

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

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

  • Original National ID (borrower and one guarantor)
  • KRA PIN certificate
  • Borrower’s age 18-19 years (must be accompanied by a guardian) 20-65 as normal
  • 1 Guarantor (aged 20 years and above)
  • Two referees above 18 years old
  • A minimum down payment of Kshs 20,000 for motorbike financing and from Kshs 50,000 for tuk-tuk financing
  • A Safaricom phone number that is registered for M-Pesa and has been in use for the last 6 months.

Q. How long does it take for me to get my motorbike/three-wheeler once I complete the loan application?

It only takes 2 hours to apply and acquire a motorbike/three-wheeler upon application. However, in case of unforeseen delay, the front office officer serving you will notify you of the earliest possible time to get the motorbike/three-wheeler.

Q. What does the total value of the loan include?

The loan is made up of principal, interest and fees (to cover, for example, GPS tracking and insurance costs). This information you will find summarized on the first page of your loan agreement.

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