W Apply on WhatsApp — reply in 1hr Start →
2,847 riders financed · 412 logbooks transferred

Own the bike you ride.
Financed fairly. Insured fully.

From KSh 180 per day
Estimate yours →

Indicative · based on a KSh 80,000 used bike, 10% deposit, 24-month tenor. Your exact quote on WhatsApp.

New and used boda-boda and tuk-tuk financing from a Kenyan lender that puts your name on the logbook from day one — and transfers it fully the day you finish paying.

Piki yako. Kwa masharti ya haki.

New & used bikes
Insurance included
M-Pesa repayment
Apply on WhatsApp See how it works →
LIVE Samuel in Kisumu just finished paying — logbook transferred.
Estimate your loan No signup needed
KSh
KSh
Daily payment KSh 480
18 months Total: KSh 260,800

Interest: 3.5% per month flat on financed amount. Shown before fees. Final quote on WhatsApp.

What we finance
New boda-bodas From any approved dealer.
Get a sample quote →
Used & serviceable bikes Independently inspected before financing.
Get a sample quote →
Tuk-tuks New and used. Coastal routes a specialty.
Get a sample quote →
Electric bodas & tuk-tuks Lower running cost, same loan structure.
Get a sample quote →
Coming soon
Logbook loans Borrow against a bike you already own.
Notify me →
How it works

Three steps from renting to owning.

Pick your bike at a dealer

Visit any dealer. Choose a new or serviceable used boda-boda or tuk-tuk. See the cash price and the financed price side by side — before you decide anything.

Takes: 30 minutes Find a dealer →

Apply — same-day decision

Bring your ID, driving licence, M-Pesa number, and one guarantor. We check your details, call your guarantor, and respond the same day. Usually within two hours.

Takes: under 1 hour See what you need →

Ride out. Repay on your rhythm.

We pay the dealer. You ride out. Repay daily, weekly, or monthly by M-Pesa — whatever fits your income. Final payment clears, logbook transfers within 7 days.

Tenor: 12–24 months Estimate your payment →
Real riders. Real logbooks.

We don't use actors. These are our riders.

Nine years renting. Twenty months with Mobifarm. Now the bike is mine — logbook and everything. They explained every shilling before I signed.

SM
Samuel Mwangi
Kisumu · Finished Dec 2025

My bike broke down for two weeks. I called my officer. We restructured the schedule. I didn't lose the bike, I didn't lose my mind. That's fairness.

GW
Grace Wanjiku
Nairobi · Active loan

I do the school run in the morning, market in the afternoon. Mobifarm gave me weekly repayment — because a tuk-tuk isn't a boda-boda.

JO
James Omondi
Mombasa · Tuk-tuk operator

Their story could be yours.

Start yours →
0 Active loans
0 Logbooks transferred
99.3% M-Pesa auto-match
2hr Avg. decision time

Two minutes. Zero commitment.

Run your numbers, send your name, get a real officer's reply — no credit check, no signup, no bots.

Run the numbers Apply on WhatsApp
The real questions

The questions every rider asks — answered honestly.

Will you take the bike the moment I miss one day?
No. A missed payment triggers a phone call from your officer within 48 hours. We talk about why. If you're going through something real — illness, a family emergency, a breakdown — we can restructure the schedule. Repossession is a last step, not a first one.
Are there hidden fees?
Four fees, that's all: origination (one-off at the start), interest on the outstanding balance, insurance premium, and tracker fee. Every shilling is on page one of your contract, in bold. Statements, early payment, schedule changes — all free.
What if the bike is stolen?
The bike is insured for the full life of your loan. If it's stolen or written off, the insurance pays off the remaining loan. You don't owe anything on a bike you no longer have.
I don't have a bank statement — can I still qualify?
Yes. We don't need a bank statement. We look at your M-Pesa history, your rental history if you've been renting, the dealer's assessment, and your guarantor.
Can I pay it off early?
Any time, with no penalty. You pay the outstanding principal plus interest accrued to that day — nothing more. Logbook transfers within a week.
What does the GPS tracker actually do?
Two things: if your bike is stolen, we help locate it. And if a loan enters serious default, we can find the asset. We don't monitor riders' daily movements for any other purpose, and we don't share location data outside the company.

Got a question not covered here?

Ask us on WhatsApp →

Ready when you are.

Tayari wakati wewe uko tayari.

Apply on WhatsApp Find a dealer →
+254 777 804 480 · +254 100 804 804 · begin@mobifarm.co.ke