M-Kopa has become a household name in Kenya for affordable smartphones and asset financing. By allowing customers to get quality phones on loan and pay in small daily installments, M-Kopa continues to bridge the gap between affordability and access to technology. In 2025, M-Kopa has introduced new phones with flexible repayment options to suit different budgets.
What is M-Kopa?
M-Kopa is a leading asset financing company in Kenya that provides smartphones, solar products, and cash loans through affordable payment plans. Instead of paying the full cost of a device upfront, customers can deposit a small amount and then pay the balance in daily installments via M-Pesa. Once all payments are completed, the phone fully belongs to the customer.
New M-Kopa Phones on Loan and Their Prices (October 2025)
Here are the latest smartphones available through M-Kopa in 2025, along with their deposit, daily repayment, total cost, and repayment duration.
Below are the latest M-KOPA phones, deposits, daily installments, and total costs for October 2025.
🔹 1. Samsung A06 (64GB ROM, 4GB RAM)
- Initial Deposit: KES 3,199
- Daily Installments: KES 60.00 for 365 days
- Total Cost: KES 25,099
🔹 2. Samsung A06 (128GB ROM, 4GB RAM)
- Initial Deposit: KES 4,099
- Daily Installments: KES 75.00 for 365 days
- Total Cost: KES 31,474
🔹 3. Samsung A05 (64GB ROM, 4GB RAM)
- Initial Deposit: KES 2,999
- Daily Installments: KES 60.00 for 365 days
- Total Cost: KES 24,899
🔹 4. Samsung A16 (128GB ROM, 4GB RAM)
- Initial Deposit: KES 4,999
- Daily Installments: KES 85.00 for 365 days
- Total Cost: KES 36,024
🔹 5. M-KOPA S34 (64GB ROM, 4GB RAM)
Option 1 – 365-Day Plan
- Initial Deposit: KES 2,499
- Daily Installments: KES 55.00 for 365 days
- Total Cost: KES 22,574
Option 2 – 180-Day Plan
- Deposit: KES 3,399
- Daily Installments: KES 77.00
- Total Cost: KES 17,259
🔹 6. M-KOPA M10 (64GB ROM, 4GB RAM)
Option 1 – 365-Day Plan
- Initial Deposit: KES 2,699
- Daily Installments: KES 55.00 for 365 days
- Total Cost: KES 22,774
Option 2 – 180-Day Plan
- Deposit: KES 3,399
- Daily Installments: KES 77.00
- Total Cost: KES 17,259
🔹 7. M-KOPA X20 (256GB ROM, 6GB RAM)
Option 1 – 365-Day Plan
- Initial Deposit: KES 4,199
- Daily Installments: KES 90.00
- Total Cost: KES 37,049
Option 2 – 90-Day Plan
- Deposit: KES 5,299
- Daily Installments: KES 210.00
- Total Cost: KES 24,199
🔹 8. M-KOPA X2 (128GB ROM, 4GB RAM)
Option 1 – 365-Day Plan
- Deposit: KES 2,999
- Daily Installments: KES 65.00
- Total Cost: KES 26,724
Option 2 – 180-Day Plan
- Deposit: KES 3,799
- Daily Installments: KES 95.00
- Total Cost: KES 20,899
How to Get an M-KOPA Phone on Loan
- Visit the nearest M-KOPA outlet or Safaricom shop.
- Choose your preferred phone model and payment plan.
- Pay the initial deposit via M-PESA.
- Complete registration with your ID and contact details.
- Start making daily payments via M-PESA Paybill 333222.
📞 Customer Support
- M-KOPA Customer Care: Dial *685# or call the M-KOPA helpline.
- Website: www.m-kopa.com
Why Choose M-KOPA?
✅ Affordable daily payments
✅ No collateral required
✅ Easy approval process
✅ Genuine smartphones with warranty
✅ Helps build your credit limit for future upgrades
FAQs About M-KOPA Phones on Loan
1. Can I qualify for an M-KOPA phone without payslips or collateral?
Yes. M-KOPA only requires a valid national ID and active M-PESA line.
2. What happens if I miss payments?
Late payments may attract penalties or temporary device locking until payment resumes.
3. Can I clear my loan early?
Yes, you can repay early to own your phone sooner — and possibly qualify for higher-value upgrades.
4. Where can I check available phones and offers?
Dial *685# or visit any M-KOPA or Safaricom shop countrywide.
New Service: M-Kopa Phone Upgrade
In 2025, M-Kopa has introduced an exciting Phone Upgrade Service for its customers. If you already own an M-Kopa phone and would like to switch to a newer model, you can now trade in your old M-Kopa phone and upgrade to the latest devices.
How It Works:
- Visit your nearest M-Kopa agent or outlet with your old M-Kopa phone.
- Select the new phone model you want.
- Pay the required deposit for the new device.
- Sign the upgrade agreement and walk away with your brand-new M-Kopa phone.
This service makes it easier for customers to always stay up-to-date with the latest smartphone technology without needing to finish long repayment cycles on outdated phones.
Steps to Get an M-Kopa Phone on Loan
- Visit the nearest M-Kopa agent, outlet, or authorized dealer.
- Choose the smartphone model that fits your budget.
- Pay the required deposit.
- Provide your personal details (name, ID number, phone number, and location).
- Sign the financing agreement.
- Take home your phone and start making daily payments via M-Pesa.
Requirements to Apply for an M-Kopa Phone
- A valid Kenyan national ID
- An active Safaricom M-Pesa line
- Ability to pay the initial deposit
- At least 18 years old
How to Pay for M-Kopa Phones via M-Pesa Paybill 333222
- Go to your M-Pesa menu.
- Select Lipa na M-Pesa.
- Choose Paybill.
- Enter 333222 as the business number.
- Use your M-Kopa account number or phone number as the account number.
- Enter the amount you wish to pay.
- Confirm and complete the transaction.
M-Kopa Cash Loan – Qualifications and Application
Apart from smartphones, M-Kopa also offers cash loans to customers who have a good repayment record. After 3 months of one-time payment a customer can access mobile cash loans .
Qualifications:
- Must be an existing M-Kopa customer.
- Consistent repayment history.
- Active Safaricom M-Pesa account.
How to Apply:
- Dial the *M-Kopa USSD code * 685# depending on eligibility) or use the M-Kopa app
- Check loan offers available to you.
- Accept the loan terms and conditions.
- Loan is disbursed directly to your M-Pesa account.
M-Kopa Customer Support
- WhatsApp: +254 799 136 761
- Call: +254 707 333 222
FAQs on M-Kopa Phones on Loan
1. Can I upgrade my phone after finishing payments?
Yes. With the new M-Kopa Phone Upgrade service, you can trade in your old M-Kopa phone and get a new one by visiting an agent.
2. What happens if I miss a daily payment?
M-Kopa may temporarily lock your phone until payments are resumed. Repeated defaults can affect your eligibility for future loans.
3. Do I own the phone during the repayment period?
The phone remains locked under M-Kopa’s system until the final installment is paid. After completion, the phone is permanently unlocked.
4. Can I pay weekly or monthly instead of daily?
Yes. You can make lump sum payments via M-Pesa as long as your account remains up to date.
5. Are the prices the same across all M-Kopa shops?
Yes, official M-Kopa outlets have standardized deposits and repayment terms. Beware of fraudsters selling fake deals.
✅ With M-Kopa’s new 2025 phone financing and upgrade services, Kenyans can now own or upgrade to modern smartphones with deposits as low as KES 2,499 and daily payments starting from just KES 58.