Business Loan
Watu Motorbike Financing
Watu Credit
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
2.99% - 4.5% p.a.
Loan Amount
Ksh 40,000 - Ksh 350,000
Approval Time
1-3 working days
Processing Fee
3%
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Low deposit (10% minimum)
- Quick approval (24-48 hours)
- Free GPS tracking and insurance
- Flexible terms up to 3 years
- No early repayment penalty
- Partner with major dealers
Cons
- High interest rates (36-54% p.a.)
- Processing fee of 3%
- Requires guarantors
- Motorbike held as collateral
- Risk of repossession on default
Customer Reviews
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Product Details
Features
- Finance new and quality used motorbikes
- Deposit from as low as 10%
- Own a motorbike and start earning immediately
- Free GPS tracking device
- Comprehensive insurance included
- Flexible repayment terms (1-3 years)
- Quick approval (24-48 hours)
- Partner with major motorbike dealers
- No early repayment penalties
- Asset-backed financing
Eligibility Requirements
Age: 21 - 60 years
0Employment: Any - boda boda operators, delivery riders, business owners
Required Documents
- Valid Kenyan ID
- Passport photo
- Guarantor details (1-2 guarantors)
- Proof of income or business
- Valid driving license (for riders)
Repayment Options
M-Pesa PaybillWatu mobile appBank transferWatu agent payment
Ready to Apply?
Get started with Watu Motorbike Financing today. Fast approval and competitive rates.
Apply NowApplication takes less than 10 minutes
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