Get yu yone okada today!
Need an okada and don't know where to start? Get a loan with Watu and start for make money wantem wantem!
Apply for a loan

Get your okada in 24 hours!

Securing your loan is as easy as 1 2 3…

Step 1

Visit one of our branches 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! Get Started

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!

Begin a successful okada business with a loan from Watu!

Watu is one of Sierra Leone’s leading asset financing companies, providing okada loans to thousands of aspiring business owners across Africa!

Ready to become an entrepreneur?

You can get quick and accessible loans with a minimum down payment of SLL 2,000,000. In addition, we offer flexible payment terms of up to 15 months. The loan also includes GPS tracking services. Get motorbike financing for either Bajaj or TVS at one of our branches, and start earning immediately!


To qualify for a loan, you need to have:

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Frequently Asked Questions

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Q. How can I get a loan from Watu in Sierra Leone?

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

  1. Original and valid government-issued identification document example:
    1. Valid driver’s license
    2. Valid National ID card
    3. Valid Voter’s ID card
    4. Valid NASSIT ID card
    5. Valid Passport
  2. An active phone number
  3. Mobile money account
  4. 1 guarantor with an original ID
  5. Minimum Down Payment of SLL 2,000,000
Q. Who is eligible to become a guarantor on my behalf?

Anyone over the age of 20 is eligible to be a guarantor provided they meet the criteria stated above and have a long standing relationship with the client.

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 motorbike/keke is security for the loan and which allows Watu SL to sell the motorbike/keke if there is a default under the loan agreement.

Q. Do I own the motorbike/keke?

During the loan repayment period you are the economic owner of the motorbike/ keke. You can use the motorbike/ keke to generate income, but it also serves as security for the loan. You will become legal owner of the motorbike/ keke only after your loan is paid in full.

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

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

Q. What are my weekly payments?

Weekly payments is subjected to bike model, down payment amount and loan.

At the signing of the loan agreement, your individual payment schedule will be generated. You will have a set weekly payment throughout your loan cycle.

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