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Text Content

Skip to content
 * About Watu
 * How It Works
 * Watu Boda
   * Kenya
   * Tanzania
   * Uganda
   * Sierra Leone
   * Nigeria
   * Rwanda
 * Watu Gari
   * Car Financing
   * Logbook Loans
 * Watu Simu
   * Kenya
   * Tanzania
   * Uganda
 * Careers
 * Contact Us
 * Blog

Menu
 * About Watu
 * How It Works
 * Watu Boda
   * Kenya
   * Tanzania
   * Uganda
   * Sierra Leone
   * Nigeria
   * Rwanda
 * Watu Gari
   * Car Financing
   * Logbook Loans
 * Watu Simu
   * Kenya
   * Tanzania
   * Uganda
 * Careers
 * Contact Us
 * Blog

 * About Watu
 * How It Works
 * Watu Boda
   * Kenya
   * Tanzania
   * Uganda
   * Sierra Leone
   * Nigeria
   * Rwanda
 * Watu Gari
   * Car Financing
   * Logbook Loans
 * Watu Simu
   * Kenya
   * Tanzania
   * Uganda
 * Careers
 * Contact Us
 * Blog

Menu
 * About Watu
 * How It Works
 * Watu Boda
   * Kenya
   * Tanzania
   * Uganda
   * Sierra Leone
   * Nigeria
   * Rwanda
 * Watu Gari
   * Car Financing
   * Logbook Loans
 * Watu Simu
   * Kenya
   * Tanzania
   * Uganda
 * Careers
 * Contact Us
 * Blog

Get yu yone okada today!
Need an okada and don't know where to start? Get a loan with Watu and start for
make money wantem wantem!
Apply for a loan


GET YOUR OKADA 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 2 hours.


WE ARE TRANSPARENT

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


BEGIN A SUCCESSFUL OKADA BUSINESS WITH A LOAN FROM WATU!



Watu is one of Sierra Leone’s leading asset financing companies, providing okada
loans to thousands of aspiring business owners across Africa!

Ready to become an entrepreneur?

You can get quick and accessible loans with a minimum down payment of SLL
2,000,000. In addition, we offer flexible payment terms of up to 15 months. The
loan also includes GPS tracking services. Get motorbike financing for either
Bajaj or TVS at one of our branches, and start earning immediately!

Find a branch
Talk to us now


CHECKLIST

To qualify for a loan, you need to have:
 * One of the following: Driver's License, National ID, Voter's ID, NASSIT ID or
   Passport
 * A minimum down payment of SLL 2,000,000
 * 1 guarantor of 20 years and above with an original ID
 * The borrower must be accompanied by a guardian if between 18-19 years old and
   can be unaccompanied if between 20-65 years old
 * An active phone number with a connected mobile money account


FIND A BRANCH

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WHAT PEOPLE SAY


I aspire to be financially independent with multiple businesses. With my Watu
bike, I am now able to cater for the needs of my family and pay my child’s
school fees with less worry.

Ibrahim Mustapha MansarayN'jama Kailahun, Sierra Leone
I saw Watu information on a signboard on my way home and got interested. Now I
have two bikes and with my income, I've been able to cater for my child's lunch
and transport fare.

Thaimu KargboWaterloo, Sierra Leone
I learned about Watu from a staff member who lived close by and went to get my
own bike, which has enabled me to take care of my children.

Ramatu SesayRegent, Sierra Leone


FREQUENTLY ASKED QUESTIONS

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Generic filters Filter by FAQ Sections
Show All
Insurance
Loan Application
Loan Payments
Logbook
Logbook Loan
Tracker Services




Q. HOW CAN I GET A LOAN FROM WATU IN SIERRA LEONE?

To qualify for a loan, one is required to have the following:

 1. Original and valid government-issued identification document example:
    1. Valid driver’s license
    2. Valid National ID card
    3. Valid Voter’s ID card
    4. Valid NASSIT ID card
    5. Valid Passport
 2. An active phone number
 3. Mobile money account
 4. 1 guarantor with an original ID
 5. Minimum Down Payment of SLL 2,000,000

Q. WHO IS ELIGIBLE TO BECOME A GUARANTOR ON MY BEHALF?

Anyone over the age of 20 is eligible to be a guarantor provided they meet the
criteria stated above and have a long standing relationship with the client.

Q. WHAT DOCUMENTS DO I NEED TO SIGN TO ACCESS THE LOAN?

You need to sign a loan agreement which details the terms of the loan and a
security agreement which provides that the motorbike/keke is security for the
loan and which allows Watu SL to sell the motorbike/keke if there is a default
under the loan agreement.

Q. DO I OWN THE MOTORBIKE/KEKE?

During the loan repayment period you are the economic owner of the motorbike/
keke. You can use the motorbike/ keke to generate income, but it also serves as
security for the loan. You will become legal owner of the motorbike/ keke only
after your loan is paid in full.

Q. WHAT DOES THE TOTAL VALUE OF MY LOAN INCLUDE?

The loan is made up of principal, interest and loan processing fees (to cover,
for example, GPS tracking, registration, ownership transfer fee and insurance
costs). This information you will find summarized on the first page of your loan
agreement.

Q. WHAT ARE MY WEEKLY PAYMENTS?

Weekly payments is subjected to bike model, down payment amount and loan.

At the signing of the loan agreement, your individual payment schedule will be
generated. You will have a set weekly payment throughout your loan cycle.

STAY UP TO DATE

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COUNTRIES

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 * Uganda
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