Pata mkopo leo leo!
Are you an aspiring entrepreneur in Tanzania? Fulfil your dreams with a motorbike or tuk tuk loan from Watu. Down payments begin as low as Tshs 400,000!
Apply for a loan

Get a boda boda loan 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 24 hours.

We are transparent

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

Ready to kickstart your journey? Ride away with your own boda boda or tuk tuk today!

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

With down payments starting as low as Tshs 400,000, you can become the proud owner of your boda boda within 24 hours! Now get motorbike financing for any one of the following brands in Tanzania: Bajaj, Hero and TVS.


To qualify for a loan, you need to have:

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Frequently Asked Questions

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Q. What are the requirements for me to get financing from Watu in Tanzania?

To qualify for a loan, one is required to have the following:
– Original and valid government issued identification document example:
– Valid driving license
– National ID (NIDA)
– Voter’s registration card (kadi ya mpiga kura)
– Original TIN certificate
– Introduction letter from local government.
– 1 guarantor with an original ID
– Minimum down payment of Tshs 400,000

Q. What is the duration of the loan?

In Tanzania, the boda boda loan duration is between 8 and 15 months. 

Q. Am I allowed to operate outside Dar es Salaam?

Yes, you can travel outside Dar es Salaam during your loan period; however, this is only for short trips. Please notify us if you intend to travel.

Q. How do I make my weekly payments to Watu?

You can make these payments via M-PESA, Tigo Pesa and Airtel Money to the Paybill number 650880 provided. No cash payments are accepted.

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

The loan is made up of principal, interest and fees (for example, GPS tracking, registration card transfer fee and insurance costs). You will find this information summarised in your loan agreement.

Q. What is Watu’s Paybill number for weekly payments in Tanzania?

The official Watu Paybill number for weekly payments is 650880 through M-PESA, Tigo Pesa and Airtel Money. No cash payments are accepted.

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