Boda boda riders can access loans through mobile apps and specialized platforms. Get financing for emergencies or to own your motorcycle.
Register with a boda boda SACCO for better loan access
Keep your M-Pesa active with regular transactions
Save small amounts regularly to build creditworthiness
Complete any fintech training programs offered
Maintain your motorcycle properly for asset financing
Use mobile loans (Fuliza, M-Shwari, Branch, Tala) that don't require payslips. Asset financing from Watu Credit or Mogo can help you own your motorcycle through daily payments.
Yes! Watu Credit, Mogo, and M-Auto offer motorcycle financing for boda boda riders. You make daily or weekly payments while using the bike to earn. Down payments start from KES 10,000.
Fuliza is instant if you're registered. M-Shwari and KCB M-Pesa also work quickly. For larger emergencies, Branch or Tala can disburse within hours based on your M-Pesa history.
Compare loan options and find the best rates for your situation.