Owning a smartphone in Tanzania has become easier with loan plans offered by leading mobile operators and financing companies. In 2025, Airtel, Vodacom, Tigo (YAS), and Watu Credit are offering a variety of smartphones on loan (simu za mkopo) at affordable deposits and repayment plans.
⚠️ Important Note: The prices, deposits, and daily payments listed here are approximate. They may change at any time depending on the provider’s terms and promotions. Always confirm the latest prices directly with Airtel, Vodacom, Tigo, or Watu Credit before making a decision.
Comparison Table – Simu za Mkopo Tanzania 2025
| Provider | Phone Model | Deposit (Tsh) | Daily Payments (Tsh) | Duration |
|---|---|---|---|---|
| Airtel | Itel A80 (128GB) | 55,000 | 1,200 | Flexible (Daily/Weekly/Monthly) |
| Vodacom | Neon Ultra | 30,000 | 1,000 | 12 months |
| Samsung Galaxy A15 | 70,000 | 2,200 | 12 months | |
| Samsung Galaxy A15s | 55,000 | 1,800 | 12 months | |
| Tigo (YAS) | Samsung Galaxy A04 | 70,000 | 650 | 24 months |
| Samsung Galaxy A04s | 90,000 | 650 | 24 months | |
| ZTE | 35,000 | 650 | 24 months | |
| Watu Credit | Samsung Galaxy A04e (32GB) | 60,000 | 1,300 | 12 months |
| Samsung Galaxy A05 (64GB) | 65,000 | 1,500 | 12 months | |
| Samsung Galaxy A05 (128GB) | 85,000 | 1,700 | 12 months | |
| Samsung Galaxy A06 (64GB) | 65,000 | 1,700 | 12 months | |
| Samsung Galaxy A15 (128GB) | 120,000 | 2,700 | 12 months | |
| Samsung Galaxy A16 (128GB) | 130,000 | 3,000 | 12 months |
1) Airtel Phones On Loan (Simu za Mkopo Airtel Tanzania 2025)
- Itel A80 (128GB)
- Deposit: Tsh 55,000
- Daily Payments: Tsh 1,200
Steps to Acquire:
- Visit the nearest Airtel Tanzania office.
- Dial *150*60#.
- Confirm your details.
- Select your phone and repayment plan (daily, weekly, or monthly).
- Pay the deposit via Airtel Money.
- Collect your smartphone.
Requirements: NIDA ID, Airtel SIM with Airtel Money, deposit payment.
2) Vodacom Phones On Loan (Simu za Mkopo Vodacom Tanzania 2025)
Available Phones:
- Neon Ultra – Deposit Tsh 30,000 | Daily Tsh 1,000 | 12 months
- Samsung Galaxy A15 – Deposit Tsh 70,000 | Daily Tsh 2,200 | 12 months
- Samsung Galaxy A15s – Deposit Tsh 55,000 | Daily Tsh 1,800 | 12 months
Steps to Acquire:
- Visit a Vodacom outlet.
- Dial *150*00*44#.
- Select the device you qualify for.
- Pay the deposit via M-Pesa.
- Collect your phone.
Requirements: NIDA ID, Vodacom SIM with M-Pesa, deposit payment, pass eligibility check.
3) Tigo Phones On Loan (YAS Program 2025)
Available Phones:
- Samsung Galaxy A04 – Deposit Tsh 70,000 | Daily Tsh 650 | 24 months
- Samsung Galaxy A04s – Deposit Tsh 90,000 | Daily Tsh 650 | 24 months
- ZTE – Deposit Tsh 35,000 | Daily Tsh 650 | 24 months
Steps to Acquire:
- Visit the nearest Tigo shop or agent.
- Choose your preferred phone under YAS program.
- Register with NIDA ID and Tigo line.
- Pay the deposit.
- Collect your phone.
Requirements: NIDA ID, registered Tigo line, Tigo Pesa account, deposit payment.
4) Watu Credit Phones On Loan (Simu za Mkopo Watu Tanzania 2025)
Available Phones:
- A04e (32GB) – Deposit Tsh 60,000 | Daily Tsh 1,300 | 12 months
- A05 (64GB) – Deposit Tsh 65,000 | Daily Tsh 1,500 | 12 months
- A05 (128GB) – Deposit Tsh 85,000 | Daily Tsh 1,700 | 12 months
- A06 (64GB) – Deposit Tsh 65,000 | Daily Tsh 1,700 | 12 months
- A15 (128GB) – Deposit Tsh 120,000 | Daily Tsh 2,700 | 12 months
- A16 (128GB) – Deposit Tsh 130,000 | Daily Tsh 3,000 | 12 months
Steps to Acquire:
- Visit a Watu Credit agent/outlet.
- Select your phone.
- Present NIDA ID and registered mobile number.
- Pay the deposit.
- Sign loan agreement.
- Start paying daily via paybill 650880 (Account number = your NIDA ID).
Requirements: NIDA ID, mobile money account, deposit payment, loan agreement.
Customer Support (Watu Credit): Toll-free 0800 750 228
Frequently Asked Questions (FAQ) – Simu za Mkopo Tanzania
1. Are the phone loan prices fixed?
No. Prices shown are approximate and can change depending on promotions or provider policies. Always confirm before purchase.
2. Can I pay weekly or monthly instead of daily?
Yes. Airtel and some providers allow flexible repayment (daily, weekly, or monthly).
3. What happens if I miss payments?
Your phone may be locked, penalties may apply, or the device may be repossessed.
4. Do I need collateral for phone loans?
No physical collateral is needed, only your NIDA ID and active SIM card.
5. Can I upgrade my phone after finishing payments?
Yes, some providers like Tigo and Watu offer upgrade options after successful repayment.
conclusion
With these flexible loan plans, owning a smartphone in Tanzania has become more affordable in 2025. Just remember to check with providers for the latest prices and terms before making your decision.