How to Buy a Smartphone in Kenya on Installments

Discover how to buy a smartphone in Kenya on installments: compare plans, check eligibility & avoid hidden fees for smarter buying.

Introduction

Smartphones are a major part of everyday life in Kenya—from mobile banking and social media to business communication and e-learning. However, not everyone can afford to pay for a new device upfront. Thankfully, installment plans offer a practical way to own a smartphone without the financial strain of a lump sum payment. This guide explains how to buy a smartphone in Kenya on installments, highlighting where to shop, what you need, and how to choose the right plan.

Why Buy a Smartphone on Installments?

Purchasing a smartphone on installments allows you to spread the cost over several weeks or months. This option is ideal if:

• You need a phone urgently but lack the full amount.
• You’re a student, job seeker, or entrepreneur working with a limited budget.
• You want to get a higher-quality phone without delaying for months to save up.

Benefits include:

• Immediate access to a working phone
• Flexible payment periods (weekly, bi-weekly, or monthly)
• Low upfront deposit
• Builds a credit profile with some providers

Key Requirements for Buying a Phone on Installments

Before approaching a retailer or lender, ensure you have the following:

• National ID: Mandatory for all credit applications
• Phone Number (active): Preferably registered on M-PESA or Airtel Money
• Proof of Income: Payslips, business records, or M-PESA statements
• Guarantor (optional): Some plans may require one for security
• Initial Deposit: Usually 10–40% of the phone’s value
• Credit History: Clean or manageable history with CRB increases approval chances

Note: Many installment platforms now use alternative credit scoring methods like mobile money transaction patterns or digital borrowing history.

Top Places to Buy Smartphones on Installments in Kenya

Here are reputable places to get phones on installment plans:

1. Safaricom Lipa Mdogo Mdogo

• Eligibility: Safaricom users with 4G SIM cards
• How to Apply: Dial *544#, then select “Lipa Mdogo Mdogo”
• Phones Available: Entry-level smartphones like Neon Ray Pro, Samsung A03 Core
• Deposit: From KSh 500
• Repayment: Daily rates starting at KSh 20 per day
• Requirements: Good usage of Safaricom services, no existing unpaid devices

2. M-KOPA

• Partner Brands: Samsung, Nokia, DLight, Tecno
• Retail Partners: Safaricom shops, select phone dealers
• Deposit: KSh 3,000–7,000 depending on phone
• Payments: Daily, weekly, or monthly via M-PESA
• Contract Duration: Typically 1 year
• Additional Benefits: Some plans include airtime and data bundles

3. Aspira Kenya

• Products Offered: Phones, electronics, furniture
• Partners: Hotpoint, Anisuma, Carrefour
• Requirements: ID, M-PESA number, proof of income
• Repayment Period: 3–12 months
• Process: Register on Aspira app, get approval, shop with partner

4. Mkopa Dealers & Jumia Installments

• Jumia FlexPay & Partners: Allows you to reserve a product, pay in installments
• Deposit: Varies per device
• Repayment: Flexible based on agreement
• Ideal For: People comfortable shopping online

5. Credit-Based Shops in Nairobi & Other Towns

• Examples: PhonePlace Kenya, Tricom, 3C Hub, Anisuma
• Offer Plans: Through in-house financing or partners like Aspira or Mkopa
• Documentation: ID, deposit, mobile money history

Step-by-Step Guide: How to Buy a Smartphone on Installments in Kenya

Follow these steps to get your dream phone on credit without hassle:

Step 1: Determine Your Budget

Know how much you can afford monthly. Don’t overcommit. Consider the total phone cost, interest rate, and hidden charges.

Step 2: Compare Devices and Plans

Make a shortlist of phones within your budget. Compare:

• Brand (Samsung, Infinix, iPhone, etc.)
• Camera, RAM, battery, storage
• Dealer terms (interest rate, contract period)

Step 3: Choose a Reliable Retailer or Platform

Go for well-reviewed, licensed providers. Avoid unregistered sellers to prevent fraud or substandard devices.

Step 4: Prepare Required Documents

Have a copy of your National ID, active mobile line, and mobile money transaction statements ready.

Step 5: Apply for Financing

Most platforms have:

• Online applications (e.g. Aspira App, Jumia FlexPay)
• USSD applications (e.g. Lipa Mdogo Mdogo)
• In-store applications (visit the retailer physically)

Fill the forms, and be honest with your income details.

Step 6: Pay Initial Deposit

You will be required to pay a percentage upfront. Ensure you get a payment receipt and a signed contract (physical or digital).

Step 7: Receive Your Device

Once approved and deposit paid, you receive your phone immediately.

Step 8: Keep Up with Payments

Most platforms will:

• Send you payment reminders
• Lock the phone if you default
• List defaulters with CRB in extreme cases

Pay on time to avoid interruptions and build a good credit record.

Common Mistakes to Avoid

Mistake	Solution
Choosing an unaffordable plan	Stick to what you can pay monthly
Ignoring hidden fees	Ask for full repayment breakdown
Defaulting payments	Set calendar reminders and budget accordingly
Buying from unknown sources	Use trusted, reviewed sellers only
Not reading contract terms	Read all fine print before signing

Smartphone Models Commonly Offered on Installment

Brand	Model	Price Range (KSh)
Samsung	A04, A14, A24	11,000 – 30,000
Tecno	Spark Series, Camon 20	10,000 – 28,000
Infinix	Hot Series, Note Series	11,000 – 25,000
iPhone	iPhone 7, 8, SE	18,000 – 45,000 (pre-owned)
Nokia	C10, C31	7,000 – 20,000
Neon	Ray Pro	From 5,000

Note: Prices depend on store and whether new or refurbished.

Tips for a Smooth Installment Experience

• Track Payments: Use M-PESA SMS, banking apps, or notes to monitor what you’ve paid.
• Negotiate: In physical shops, ask for a discount or longer period if you’re consistent.
• Insure Your Phone: Some lenders offer affordable insurance—worth considering.
• Avoid Multiple Loans: Don’t stack up too many credit purchases at once.

FAQs on How to Buy a Smartphone in Kenya on Installments

1. Which phone can I get with 5000 shillings in Kenya?
Looking for a smartphone under KSh 5,000? Discover the best budget options in Kenya and where to buy them today.

2. Which is the best phone to buy in Kenya today?
Wondering what’s hot in Kenya? Here’s the ultimate guide to the best smartphones in Kenya right now, across every price range.

3. Which phone can I buy with 25K in Kenya?
With KSh 25,000, you have great options! Compare top smartphones in Kenya that balance performance, battery, and camera.

4. How much is the iPhone 7 in Kenyan shillings?
Get the current iPhone 7 price in Kenya and see if it’s still worth buying in 2025 based on performance and resale value.

5. How much is Infinix Hot 10 in Kenyan shillings?
Find out the latest price of Infinix Hot 10 in Kenya and see if it’s still a good value in today’s smartphone market.

6. Which phone brand to choose?
Samsung, Tecno, Infinix, Oppo or iPhone? We break down Kenya’s top smartphone brands based on budget, features, and reliability.

7. How much is Tecno Camon 40 Pro in Kenya?
Get the official Tecno Camon 40 Pro price in Kenya, plus key features, performance highlights, and where to buy.

8. Which phones are on offer in Safaricom shops?
Check out the latest smartphone deals at Safaricom shops—updated offers, discounts, and flexible payment options.

9. How much is Tecno Spark 10?
Looking for the Tecno Spark 10 price in Kenya? Here’s the latest pricing, plus tips on where to buy it affordably.

10. How much is Tecno Camon 30 Pro in Kenya?
Get the full pricing and feature breakdown for Tecno Camon 30 Pro in Kenya—compare it with similar models before you buy.

11. How much is Infinix Zero 40 in Kenya?
See the latest price of Infinix Zero 40 in Kenya and find out if it’s worth the upgrade based on your budget.

12. Which iPhone 7 is the best?
iPhone 7 vs iPhone 7 Plus: Compare models, specs, and value in Kenya to choose the best one for your needs.

13. How much is the iPhone 10 in Ksh?
Get the up-to-date iPhone X (10) price in Kenya and see how it stacks up in 2025’s smartphone market.

14. How much is iPhone 8 in Ksh?
Looking to buy an iPhone 8 in Kenya? Here’s the current price, performance review, and buying tips.

15. Is Infinix Hot 10 6000mAh?
Wondering about the battery capacity of Infinix Hot 10? Get the correct specs and how it performs day-to-day.

16. Which is the best phone in Kenya under 10K?
On a tight budget? Explore the best smartphones under KSh 10,000 in Kenya that offer real value and durability.

17. How much is Infinix Zero 20 in Kenya?
Here’s the latest Infinix Zero 20 price in Kenya, plus specs, camera quality, and where to buy it affordably.

18. Is Oppo better than Samsung?
Oppo vs Samsung: Which is better for your money in Kenya? We compare design, camera, battery & software experience.

19. How do I select a smartphone?
Confused by all the options? Learn how to pick the perfect smartphone in Kenya—based on budget, use case, and features.

20. Is Android better than iPhone?
The ultimate Android vs iPhone debate—what’s better in Kenya? We break it down by price, apps, updates & flexibility.

Related: How to Use a Smartphone Without Internet in Kenya

Final Thoughts on How to Buy a Smartphone in Kenya on Installments

Buying a smartphone in Kenya on installments is a smart and accessible option if you’re working with a tight budget. Whether you’re a student, entrepreneur, or professional, installment plans offer you the flexibility to access quality phones without saving for months.Just remember to assess your financial ability, choose reputable sellers, and stick to your repayment schedule. With proper planning, you can own a reliable device and build your creditworthiness at the same time.