Watu Credit Limited is a dynamic and fast-growing non-bank finance company. Watu Credit Limited harnesses technology to offer both secured and unsecured lending, primarily via mobile services. We aim to become the leading East African provider of a broad set of inclusive financial products, delivered through technology in a fast, efficient and professional manner. Watu Credit Limited headquarters are located in Mombasa. We commenced our business operations in July 2015 with the clear vision to be the best in class provider for short and medium-term loan products tailored to the specific needs of our target clients and delivered through mobile technology. Watu Credit Limited prides itself on offering excellent client service in the domestic lending market, thanks to our dedicated team of professionals coupled with the use of modern technologies. The Company offers asset financing (motorcycles and three-wheelers)  currently is expanding with branches opened in-:

  1. Mombasa                                             12.Kisii
  2. Malindi                                                 13.Migori
  3. Voi                                                       14 Kisumu
  4. Nairobi                                                 15.Siaya
  5. Meru                                                    16. Homabay
  6. Maua                                                   17.Narok
  7. Nakuru                                                18. Kapsabet
  8. Eldoret                                                19.Kitale
  9. Kericho                                                20.Kakamega
  10. Kitui                                                     21.Bungoma
  11. Mumias                                               

Watu Credit prides itself on offering fully cash-less services for loan disbursement and collection as well as 24-hour access for clients to their account balances.


Our vision

To be the best in our market by continuously developing and improving our expertise, through innovative and pioneering solutions, aiming always for perfection and excellence in the provision of financial services to our clients.

Our mission

To contribute to sustainable development by providing access to capital for the benefit of micro, small, medium enterprises to low and middle-income households.

Our values

  • Competence
  • Efficiency
  • Innovation
  • Integrity
  • Customer Focus
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