M-KOPA Phones and Prices in Kenya
M-KOPA transforms smartphone access in Kenya. The company offers quality handsets at budget-friendly prices. Their “Lipa Mdogo Mdogo” model allows customers to pay small daily installments. This approach suits low-income earners.
It eliminates the need for large upfront payments. Kenyans from all financial backgrounds can own reliable smartphones. M-KOPA offers a range of devices, including Samsung and Nokia models. Each phone comes with flexible payment plans. Customers pay an initial deposit and daily amounts for up to a year. This system fosters financial inclusion. It empowers users to access digital tools for education, business, and social connections.
The company also offers additional benefits. Timely payments unlock access to digital loans, health insurance, and data bundles. M-KOPA operates in Nigeria, Kenya, Uganda, and South Africa. Their model ensures devices remain affordable while maintaining quality. The phones feature modern designs, decent performance, and long battery life. For example, the M-KOPA X20 comes with a 50MP camera, 6GB RAM, and a massive 59-hour battery life.
Below is a curated list of M-KOPA phones and their prices in Kenya for 2025.
| Phone Model | Deposit (Ksh) | Daily Payment (Ksh) | Repayment Period (Days) | Total Cost (Ksh) |
|---|---|---|---|---|
| Nokia C1 | 2,699 | 35 | 365 | 15,474 |
| Nokia C01 Plus | 3,299 | 40 | 365 | 17,899 |
| Nokia 1.4 | 3,999 | 50 | 365 | 22,249 |
| Nokia C10 | 3,299 | 40 | 365 | 17,899 |
| Nokia C20 | 3,999 | 45 | 365 | 20,424 |
| Nokia C21 | 3,999 | 50 | 365 | 22,249 |
| Nokia C21 Plus | 4,699 | 55 | 365 | 24,774 |
| Nokia C30 | 4,299 | 55 | 365 | 24,374 |
| Nokia G10 | 3,699 | 60 | 365 | 25,599 |
| Nokia G20 | 4,999 | 70 | 365 | 30,549 |
| Nokia G21 | 4,999 | 70 | 365 | 30,549 |
| Nokia 5.4 | 5,499 | 85 | 365 | 36,524 |
| Nokia G50 | 9,499 | 140 | 365 | 60,599 |
| Nokia X10 | 7,999 | 100 | 365 | 44,499 |
| Samsung A02 | 3,499 | 55 | 365 | 23,574 |
| Samsung A03 | 3,499 | 60 | 365 | 25,399 |
| Samsung A03 Core | 3,999 | 50 | 365 | 22,249 |
| Samsung A03s | 3,999 | 65 | 365 | 27,724 |
| Samsung A12 | 4,499 | 70 | 365 | 29,999 |
| Samsung A13 | 5,999 | 90 | 365 | 38,849 |
| Samsung A22 | 5,999 | 85 | 365 | 37,024 |
| Samsung A23 | 7,499 | 100 | 365 | 43,999 |
| Samsung A33 | 10,999 | 170 | 365 | 72,999 |
| M-KOPA X20 | 7,999 | 120 | 365 | 51,799 |
Source: M-KOPA Official Website
Why Choose M-KOPA Phones?
M-KOPA stands out for its innovative approach. The pay-as-you-go model breaks down financial barriers. Customers pay a small deposit and manageable daily amounts. This system suits students, small business owners, and everyday Kenyans. Smartphones enable access to online learning, social media, and business tools.
M-KOPA’s phones come with modern features. For instance, the Samsung A23 offers a 50MP camera and 5,000mAh battery. The Nokia C22 provides a 5,000mAh battery that lasts up to three days. These devices balance affordability and performance.
The company also ensures device security. Each phone has a SIM-lock feature. Only the registered SIM card works in the device. If a different SIM is inserted, the phone locks automatically. This protects against theft or unauthorized use.
Customers must visit an M-KOPA shop with identification to change SIM cards. Additionally, M-KOPA offers device protection, hospital cover, and data bundles. These benefits enhance the value of owning an M-KOPA phone.
How to Get an M-KOPA Phone in Kenya
Acquiring an M-KOPA phone is simple. Follow these steps:
- Visit a Store or Online: Go to an authorized M-KOPA retailer or the official website.
- Provide Identification: Present a Kenyan National ID and a registered Safaricom SIM card.
- Choose a Phone: Select from available models like Nokia C21 or Samsung A13.
- Pay the Deposit: Make the initial payment, which varies by model.
- Start Daily Payments: Use M-Pesa to pay daily installments via PayBill number 333222.
The phone activates within 24 hours. Customers must maintain payments to avoid device deactivation. If payments lapse, the phone locks until the balance clears. M-KOPA’s app allows users to track payments and request loans.
Popular M-KOPA Phone Models and Features
M-KOPA offers a variety of smartphones and feature phones. Below are some popular models:
- Nokia C22: Features a 5,000mAh battery, Android 13 Go, and an octa-core processor. Ideal for long-lasting use. Deposit: Ksh 3,299, Daily: Ksh 70.
- Samsung A23: Includes a 6.6-inch FHD+ display, 50MP camera, and 4GB RAM. Great for media and gaming. Deposit: Ksh 7,499, Daily: Ksh 100.
- M-KOPA X20: Offers a 50MP camera, 6GB RAM, and 256GB storage. Runs on Android 14. Deposit: Ksh 7,999, Daily: Ksh 120.
- Nokia G21: Comes with a 6.5-inch display, 4,000mAh battery, and 4GB RAM. Suits multitasking. Deposit: Ksh 4,999, Daily: Ksh 70.
Benefits of M-KOPA’s Payment Plan
M-KOPA’s payment plan offers unique advantages:
- Affordability: Deposits start as low as Ksh 2,699. Daily payments range from Ksh 35 to Ksh 170.
- No CRB Checks: Registration requires no credit history, making it accessible.
- Additional Perks: Timely payments unlock loans, data bundles, and health insurance.
- Two-Year Warranty: Phones come with after-sales support and a warranty.
- Free Data: New users get 1GB upon registration and 50MB daily for 60 days.
However, there are risks. Missing payments locks the device. The total cost often exceeds the market price. For example, a Nokia C21 costs Ksh 26,199 via M-KOPA but Ksh 12,000–14,700 in stores. Users must weigh convenience against long-term costs.
Frequently Asked Questions
How Do I Pay for an M-KOPA Phone?
Use M-Pesa’s PayBill number 333222. Enter your ID number as the account number. Payments can be daily, weekly, or monthly. The M-KOPA app simplifies tracking.
What Happens After Paying Off the Phone?
You receive a certificate of ownership. The device becomes fully yours, with no further payments.
Can I Get a Loan from M-KOPA?
Yes, customers with consistent repayments qualify for cash loans via the M-KOPA app.
What If I Miss a Payment?
The phone locks until you clear the outstanding balance. Future loans may also be paused.
Are M-KOPA Phones Locked to Safaricom?
No, but the SIM-lock feature restricts use to the registered SIM card. Visit an M-KOPA shop to change it.
M-KOPA’s model empowers Kenyans to own smartphones. The flexible payment plans and diverse phone options make technology accessible. Whether you need a basic Nokia C1 or a high-end Samsung A33, M-KOPA has a solution. Visit their website or a local retailer to explore your options today.
