How it works

We help people to help themselves.

Get your brand new motorbike in just a few hours!


Visit our branch or authorised dealer near you


Our team will guide you to select a suitable motorbike or three-wheeler for you


Select a suitable repayment plan and sign the agreement


Ride away with your newly acquired asset!
Terms and Conditions apply. Subject to change.

Frequently Asked Questions

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)
  • A down payment of Kshs 15,000 for Motorbike financing and from Kshs 50,000 for tuk-tuk financing
  • A Safaricom Phone number that has been in use for the last 6 months
Q How long does it take for me to get my motorbike/tuk-tuk once I complete the loan application?
It only takes 2 hours to apply and acquire a motorbike/tuk-tuk upon application. However, in case of  unforeseen delay, the front office officer serving you will notify you of the soonest possible time to get the motorbike/tuk-tuk.
Q What is Watu’s Pay bill number for weekly repayments?
The official Watu pay bill number for weekly payments is 650880. No cash payments are accepted.
Q What are the requirements for one to get financing from Watu?
UGX 950,000 minimum downpayment, National ID, 2 Guarantors with National IDs, mobile money account with MTN or Airtel
Q How long does it take for me to get my motorbike once I complete the loan application?
Once you have all the requirements, it will take approximately one hour to get your motorcycle.
Q How do I make loan repayments to Watu via mobile money?
To pay Watu Credit via mobile money on MTN or Airtel, you dial *217*777# and enter your license plate number as the reference
Q How Watu can help me?
We empower entrepreneurs with transportation vehicles to start earning daily income immediately. Watu sells  2-wheelers (okada/motorcycle) and 3-wheelers (keke/tricycles) with payment deferral up to 1 year.
Q What are the requirements for one to get a vehicle from Watu?
The base requirement to get a vehicle is a valid means of identification (government issued ID). You are also required to bring Guarantor to our office with valid IDs (voters card, BVN or NIN or drivers license).
Q How long does it take to get my vehicle?
You will get a vehicle (motorcycle or tricycle) in less than 2 hours once your application is completed.
Q How do I repay the vehicle?
You are to repay the total value of the vehicle by weekly payments during the period stipulated in the vehicle purchase agreement. The payment can be made at any authorised Agent outlet ( MTN (MoMo), Paga)