M-KOPA offers a service that enables Kenyans to purchase smartphones, including high-end models, on a credit basis. This makes phone ownership more accessible for those who wouldn’t be able to afford the full upfront cost. With M-KOPA, customers select a phone, pay an initial deposit, and then make daily repayments that go up to a year.
While M-KOPA currently offers Nokia and Samsung phones and a few other brands, and is expanding its selection.
Also, take note that M-KOPA and Safaricom are different entities and do not have a partnership.
See also: How to Get Safaricom Lipa Mdogo Mdogo Phones
List of M-Kopa Phones, Deposit and Daily Prices
Here is a list of phone models offered on M-Kopa loan service, how much deposit is required and their daily payment prices:
| Phone Model | Deposit (Ksh) | Daily Repayment (Ksh) |
|---|---|---|
| Nokia C1 | 2,699 | 35 |
| Nokia C01 Plus | 3,299 | 40 |
| Nokia 1.4 | 3,999 | 50 |
| Nokia C10 | 3,299 | 40 |
| Nokia C20 | 3,999 | 45 |
| Nokia C21 | 3,999 | 50 |
| Nokia C21 Plus | 4,699 | 55 |
| Nokia C30 | 4,299 | 55 |
| Nokia G10 | 3,699 | 60 |
| Nokia G20 | 4,999 | 70 |
| Nokia G21 | 4,999 | 70 |
| Nokia 5.4 | 5,499 | 85 |
| Nokia G50 | 9,499 | 140 |
| Nokia X10 | 7,999 | 100 |
| Samsung A02 | 3,499 | 55 |
| Samsung AO3 | 3,499 | 60 |
| Samsung AO3 Core | 3,999 | 50 |
| Samsung A03s | 3,999 | 65 |
| Samsung A12 | 4,499 | 70 |
| Samsung A13 | 5,999 | 90 |
| Samsung A22 | 5,999 | 85 |
| Samsung A23 | 7,499 | 100 |
| Samsung A33 | 10,999 | 170 |
Please note that the repayment period for all M-KOPA phones is up to 365 days. However, it’s important to remember that prices can change at M-Kopa’s discretion.
It’s always best to check their website or app for the most up-to-date pricing information.
How to Get M-KOPA Phone in Kenya
You can get an M-Kopa phone by visiting any authorized M-Kopa agent or dealer. You will be required to carry your Kenyan National Identity Card and a registered Safaricom SIM card.
Browse the available phones, their minimum deposit, and daily repayment charges. After registering your details and undergoing a potential creditworthiness check, you can pay the deposit and take the phone home.
An infographic showing steps in getting M-KOPA phone.
M-Kopa will activate the phone within 24 hours.
You can also explore online purchase options on the M-Kopa website or app. For more information and to find authorized agents/dealers near you, visit the M-Kopa website: https://m-kopa.com/m-kopa-kenya-products
Read also: How to Get Safaricom Lipa Mdogo Mdogo Phones.
What happens if you default on your daily repayment?
If you do not meet the daily M-Kopa repayment as agreed, your phone will be deactivated and you will not be able to use it. Once you finish repayment for your M-Kopa phone, you will be given a certificate of full ownership.
Read: Best Loan Apps in Kenya for Instant Loans
How your M-Kopa Phone is Secured
The phone is designed with a SIM-lock feature that makes it work exclusively with your registered SIM card. Therefore, your registered SIM card must always remain in the device for it to function properly.
If a different SIM card is inserted, the phone will automatically lock. So, if the phone is lost or stolen, unauthorized use of another SIM card will trigger a lock.
If you want to change your SIM card or number, you can visit your nearest M-KOPA shop with your identification document
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