Flagship product

Own the bike you ride to work.

Asset-backed financing for EV and ICE motorbikes. Built for boda riders — structured weekly collections, GPS-tracked, manageable terms.

How it works

Four steps to ownership.

1
Apply
Apply online via the Baikal app or walk into either branch with your ID, NIN, and recent earnings record.
2
Vetting
Our field team verifies your route, guarantor, and current earnings — usually within one business day.
3
Disbursement
On approval, we hand over the bike with paperwork in your name; the bike is registered with a GPS tracker.
4
Repay weekly
Pay weekly via mobile money. Stay on track and the bike is yours at the end of the term.

What you bring

National ID + NIN

Active boda stage or verifiable earnings

Guarantor with valid ID

Working mobile-money number

Down payment (paid before disbursement)

Clean record at the Credit Reference Bureau

Decisions in 24h

Most applications get a yes/no within one business day.

Real-time statement

See your balance, due date and payments anytime through the Baikal app.