Watu Credit Branches are spread all over the towns of Kenya as follows:
- Meru: Njuri Ncheke Street, Meru, Kenya
- Kitui: Kibwezi – Kitui Road
- Mombasa Road: Vision Plaza, Nairobi, Kenya
- Nakuru – Eldoret highway, Nakuru, Kenya
- B3 Road: Narok, Kenya
- Tengecha Lane: First Floor, Room 101,Kericho,Kenya
- Silibwet Junction: Bomet, Kenya
- Pioneer Business Center: Kisumu Road, Eldoret, Kenya
- Jean-Marie Seroney Road: Kapsabet, Kenya
- Kitale: Mak Asembo Street, Kitale,Kenya
- Kisumu: Makasembo Rd, MURBS Building, Kisumu,Kenya
- Kakamega: Kisumu-Kakamega Road, Kakamega, Kenya
- Kisii: Kisumu Migori Road, Metro Hotel Ground Floor, Kisii, Kenya
- Bungoma: Opposite Bungoma Governor’s Office Gate, Bungoma, Kenya
- Voi: Car and General Voi, Voi, Kenya
- Mumias: Mumias musanda Road, Mumias, Kenya
- Migori: A1 Road, Migori, Kenya
- Homabay: A1 Road, Migori, Kenya
- Siaya: Ragama Building, Siaya, Kenya
- Malindi: B8 Road,Malindi, Kenya
- MbaleKaburu Complex: Maua, Kenya