Connectivity.
Mobility.
Opportunity.

Asset financing for motorcycles, three-wheelers and smartphones used for work and everyday connectivity.

Our Markets

Fast, flexible and transparent financing across multiple countries.

Kenya Flag

Kenya

Tanzania Flag

Tanzania

Uganda Flag

Uganda

Rwanda Flag

Rwanda

DRC Flag

DRC

Nigeria Flag

Nigeria

Sierra Leone Flag

Sierra Leone

South Africa Flag

South Africa

About Watu

At Watu,
people come first

Our financing is designed around how assets are used day to day: on the road, in small businesses and for staying connected.

A leading asset financier focused on mobility and connectivity. Watu provides financing for motorcycles, three-wheelers and smartphones across multiple markets through systems built for scale, reliability and long-term value.

Learn More

How do we do it?

Through streamlined onboarding, flexible repayment structures and local market expertise.

Quick Onboarding

Fast approval processes that keep customers moving.

Flexible Payments

Repayment schedules designed around everyday income.

Local Expertise

Teams that understand each market and customer.

Impact, measured through access and scale

We help millions turn ambition into action by unlocking access to essential assets.

0

B+

Credit Unlocked

0

M+

People Impacted

0

M+

Loans Disbursed

0

+

Countries & Growing

Real people.
Real support.

Our customers trust Watu because we make it easier to get started and stay connected.

"Watu has uplifted me financially. The asset has assisted in catering for family needs and I have been able to build two rental rooms from the bike's income."

Douglas Monyancha Onyambu

Boda Boda Driver, Kenya 🇰🇪

"With my phone from Watu, I check market prices, talk to buyers, and learn new farming tips on YouTube. It's changed how I do business."

Lydia Wambui

Farmer, Kenya 🇰🇪

"Before Watu, I used a small kabambe that couldn't support apps. Now with my smartphone, I get orders on WhatsApp, follow maps, and talk to customers directly."

Kevin Otieno

Boda Rider, Kenya 🇰🇪

"Through the bike I have from Watu, I am currently financing a plot of land in Juja. My aim is to acquire a second bike and employ someone else to generate extra income."

David Kariuki Macharia

Boda Boda Driver, Kenya 🇰🇪

"Watu has uplifted me financially. The asset has assisted in catering for family needs and I have been able to build two rental rooms from the bike's income."

Douglas Monyancha Onyambu

Boda Boda Driver, Kenya 🇰🇪

Need assistance?

Our team is here to support you. Contact us for help.

Contact Us

Any questions?

Find answers to common questions in our FAQs.

Browse FAQs

At Watu,
people come first

Our financing is built around your needs: quick, affordable and transparent, trusted by millions every day.

Built for Everyday Kenyans

Watu helps people level up without high upfront costs or complicated steps.

Trusted & Local

We are trusted by millions and rooted in communities across Africa.

Easy Access. Better Life.

Own your motorcycle today and pay comfortably over time.

Watu

We've helped millions across Africa get access to the tools they need.

Watu provides simple, flexible financing for motorcycles and mobility assets that help people work, earn and stay connected.

Operating in 8 African Countries

Serving millions across the continent.

Over 6 Million Assets Financed

Helping customers grow every day.

Approval in Under 2 Hours

Fast onboarding process.

Real Support

Local teams ready to assist.

Watu Customers