---
title: "Asaak: Motorcycle, Fuel and Smartphone Loans"
description: "Lease-to-own motorcycle financing, plus fuel and smartphone loans in Uganda & Kenya. Online form or office onboarding; repayments build ACS credit score."
canonical_url: "https://liners.com/asaak"
markdown_url: "https://liners.com/asaak.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/asaak/screenshot.webp?v=1773109380624"
published_at: "2026-03-10T03:31:22.888Z"
updated_at: "2026-09-20T03:00:33.825Z"
---

# Asaak: Motorcycle, Fuel and Smartphone Loans

Lease-to-own motorcycle financing, plus fuel and smartphone loans in Uganda & Kenya. Online form or office onboarding; repayments build ACS credit score.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Asaak](/asaak)

## Summary

Lease-to-own financing for motorcycles, fuel, and phones

An asset financing platform that helps gig workers and small businesses in Uganda and Kenya apply for motorcycle, fuel, and smartphone loans online or in person.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.asaak.com/ |
| Tagline | Lease-to-own financing for motorcycles, fuel, and phones |
| Primary country | Uganda |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Asaak is an asset financing and digital lending platform for gig economy workers and small businesses in Africa that provides loans for income-generating tools like motorcycles, fuel, and smartphones.

Key capabilities include:

- **Boda boda (motorcycle) financing** on a lease-to-own basis, with collection at an office or disbursement centre after approval
- **Fuel loans** and **smartphone loans** to support day-to-day work needs for riders and informal entrepreneurs
- **Digital applications with offline support**, letting customers apply via an online form or visit an office for onboarding and verification by a **Credit Officer**
- **Repayments that build an Asaak Credit Score (ACS)**, using machine learning and partner data points (such as trips and earnings) to support underwriting and help customers unlock additional products over time

Available on **Web** (online application).

Target users include boda boda riders, ride-hailing drivers, and informal SMEs. Asaak also partners with platforms such as SafeBoda, Uber, Bolt, and Jumia to reach eligible borrowers, but its audience is best classified as **B2C** rather than B2B2C.

The product is notable in East Africa for combining **physical disbursement centres and local offices** (including Kampala and Jinja in Uganda) with a **data-driven credit scoring approach** aimed at expanding access to asset financing for underserved workers.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Kenya](/countries/kenya): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/asaak/alternatives)
- [Reviews](/asaak/reviews)
- [Transparency](/asaak/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/asaak)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)