Consider reading this article first: M-Kopa devices remain popular despite being crazily overpriced
M-Kopa has grown from offering solar panels at daily installments to including other products from TVs to small fridges that cost 99k, and now phones. Their pay-as-you-go model allows Kenyans to take up a device, and pay for it in installments while using the device.
These are the smartphones you can get with M-Kopa in Kenya:
- Samsung Galaxy A10s (2019)
- Huawei Y5 Lite (2018)
- Nokia 2.2 (2019)
With these devices you’re required to pay a one time deposit, and daily installments of KES. 60 for a given period of time.
Y5 Lite 
Galaxy A10s 
Nokia 2.2
Here’s a proper breakdown of the charges you incur buying an M-Kopa Phone:
| Samsung Galaxy A10s | Huawei Y5 Lite (2018) | Nokia 2.2 (2019) | |
| Original Price | KES. 12,399 | KES. 8,799 | KES. 10,200 |
| Deposit | KES. 3499 | KES. 1000 | KES. 2,999 |
| Daily Payments | KES. 60 | KES. 60 | KES. 60 |
| Total Number of Days to Pay | 365 days | _ days | 330 days |
| Final Price you’ll pay | KES. 25,400 | KES. 18,000 | KES. 22,799 |
| Specifications | Link | Link | Link |
If you argue that the daily KES. 60 is better than saving and getting the device for the original price, then well and good. But remember:
- If you lose the device, you’ll continue paying the daily installments. There’s no insurance.
- If you don’t pay, the phone will be locked until you pay. (There’s also a touch of possible privacy issues here).
- The phone will only be completely yours after you’re done with the 365 days of payments.
- You cannot choose to get a better hire purchase plan in terms of cost to say clear your bill in a month instead of the year.
- You will have spent more than double the price of the device to finally own it.
- There’s no provision for upgrades, repairs incase anything goes wrong, or anything else. You’ll carter for all this yourself.
- You still have to buy data yourself. There’s no provision for that too at the KES. 60 daily cost.
It is also very important to check the specs advertised vs the actual specs of the device before picking up any other M-Kopa phones that may be introduced. For example, here’s a promo poster of the Y5 Lite from last year September claiming the Y5 Lite features a 4000mAh battery:
This is untrue. The Y5 Lite has a 3020mAh battery. It is important to check the M-Kopa advertised specs with real specs of the device before opting for the deals.
Dan from trans nzoia i need galaxy A01, how will i get?
Where do i get the phon? 0706467872
Can I get Tecno camon 17 or Realme
You people are wicked ooh,,25400 for a phone worth 12400,,,huh!
Inid sumsung ranging 20-26k with kopa
Interested in Nokia 2.2 . Faith
Hallo I need the M kopa phone 0728735613
I need tecno spark 7 0704313887
I want Tecno canon 11 pro 0743218535
How do I get the phone
How do I get the phone my no 0115444328
This is pure conmanship and stealing hard earned money from innocent people..how can you sell an item for double price
Nataka a31.nko githurai 44
Do you people give Samsung A30S
Need Samsung A11s
0745438021 in lodwar
Ineed Samsung Galaxy 0796454906
nataka huawai niko kericho nipate aje
I want the Huawei how can I get to it am at Nakuru
How can I get the phone?
All the guys asking about buying a phone, this is not M-KOPA’s website to start with. It is a blog opening your eyes that going for the daily installment plan is actually robbery without violence. How do you buy a phone for more that double the market price? What money decisions do you all make? SMH.
FYI, if you fail to pay, they lock your device. This is modern day slavery ??
Nokia 2.4,,,,3500 deposit,,,50 bob daily
which dual sim phones do you have?
je huduma hii ipo tanzania?
i need a huawei y8p
kindly email the term i am in kericho
where are you?
I want samsung a21s
nataka Samsung A21S
What if I fail to pay my credit at end of the agreed 365days …what will it happen to my phone
But you will have to pay for it untill you complete the payment
i want camon 15 premier
i need aphone
I want Samsung Galaxy note 20 ultra
can I get techno spark 5???
I need Nokia 2.1…
How can i check my balance
I need a Samsung phone how can I get it?
I need Nokia 2.1
Can I order any phone of my choice or is it the ones that are already highlighted?,, please let me know,,
I want Sony xperia 10 at 60 kes daily installment
Am Diphon need Infinix S5 how much
I am in Eldoret , I need the Samsung
When I restart my it was unable to complete restart en yet I used for only two days then I return back to the mkopa office,it’s almost two months now and I have not received my phone so kikiumana bila kupata simu si muone njia ingine ya kunipea simu ama mrudishe Tu pesa?
I need a tecno pop 4 phone inacost ajye
ukilipa pole pole
How can i get this nokia …? I have 2999 now just call me now 0791753644
I need a Huawei phone how can I place an order?
How can i get samsung A10
How can I get Huawei Y9 2019
Nataka huawei 5lite naeza ipata vipi?
How can I order for a phone?
I need a Huawei y5 lite , how and where can I get one
Ineed Huawei y5
How can I get Huawei phone
The phone Always ask for sim card and have not removed it . very boring.
How do I check my balance
Naitaji huawei y5 lite
Naitaji huwawei y5 lite nitaipata vipy
Hi I was using mkopa phone Nokia 2.2 bt I lost it on 28th June and was almost to finish the payment so hw can you help me cos I lost everything
LAME SERVICE
How do I check my balance as am using the phone
So you lie that you have Huawei phones?
I was interested in buying Huawei but have talked with one of your supplier she said you had not.
Should I get a phone loan when am a Ugandan
12k to 25k…how selfish …at least don’t go beyond 15k
Hw can i get assisted in Uganda if i need the phone on Loan from M-kopa
How can I borrow credit
Can I be able to pay weekly?
Apart from solar, TV and phone what else do you offer in M-Kopa
What if I decide to pay 300 daily bcoz am able
My phone have crack on screen how can you help
Can i pay for the phone monthly since i am under payslip and its gonna be hard to pay per day……..i.e. 1800 per month instead of 60 per day
hw much is a Nokia phone in ugx ?