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All the M-Kopa phones you can buy in Kenya with KES. 60 daily installments

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.

Here’s a proper breakdown of the charges you incur buying an M-Kopa Phone:

Samsung Galaxy A10sHuawei Y5 Lite (2018)Nokia 2.2 (2019)
Original PriceKES. 12,399KES. 8,799KES. 10,200
DepositKES. 3499KES. 1000KES. 2,999
Daily PaymentsKES. 60KES. 60KES. 60
Total Number of Days to Pay365 days_ days330 days
Final Price you’ll payKES. 25,400KES. 18,000KES. 22,799

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:

  1. If you lose the device, you’ll continue paying the daily installments. There’s no insurance.
  2. If you don’t pay, the phone will be locked until you pay. (There’s also a touch of possible privacy issues here).
  3. The phone will only be completely yours after you’re done with the 365 days of payments.
  4. 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.
  5. You will have spent more than double the price of the device to finally own it.
  6. There’s no provision for upgrades, repairs incase anything goes wrong, or anything else. You’ll carter for all this yourself.
  7. 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:

MKOPA y5 Lite promotion

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.



  1. i need a sumsung phone,ready to pay daily charges and incase i pay for the whole month n 4got to top up whn it ends,do u still close it/ull sent an alert whn the paid amount ends??

  2. Robbery without violence indeed and this too in broad daylight from 12k to 25k ???what sort of messed up interest rate is that and yet they claim to be considerate of low income entrepreneurs more like you consider on how best to take advantage of and con innocent naive citizens i cant believe there are people who actually want to purchase the phones after seeing this i wanted a smartphone but i guess i’ll just have to stick to my small “kabambe” and save up instead.

    1. I really concur with you a hundred per cent. In deed i got a Samsung A 10s it old already and i haven’t cleared the payment. This is really robbery. And the worst is that they target as my friend said, low income earners. Mtachomeka vibaya

  3. I have a10s I have to pay 21900 but I have now is 31,919
    Ety ni okoa mwangaza guys wchich they always deduct their money after pay guys rectify their …

  4. This is pure conmanship and stealing hard earned money from innocent can you sell an item for double price

  5. 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 ??

  6. 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?

  7. 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

  8. 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

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