M-KOPA
Liners checked this listing or its product relationship to a reasonable extent. Verification is not an endorsement or product test. How verification worksM-KOPA is an embedded finance platform that helps everyday earners in Africa take home smartphones and other essentials instantly and repay in daily, weekly, or monthly installments.
M-KOPA Product Overview
Is M-KOPA Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Everyday earners
- Phone buyers on instalments
What It Does Well
- Pay-as-you-go smartphones
- Instant take-home options
Things to Check
- Eligible products list
- Deposit amount needed
About M-KOPA
M-KOPA is an African fintech platform for everyday earners in Ghana, Kenya, Nigeria, South Africa, and Uganda that enables pay-as-you-go financing for smartphones and selected essential products, so customers can take devices home immediately and repay over time.
Key capabilities include:
- Smartphone financing with a deposit followed by daily, weekly, or monthly repayments, designed for customers who may not have formal salaries, collateral, or access to traditional credit.
- Digital loans unlocked through repayment behaviour, with the site stating customers can access loans after three months of paying well.
- Bundled services linked to the financed smartphone, including health cover (hospital cover), device protection (terms and conditions apply), and affordable data bundles.
- Mobility financing in some markets, including products such as electric bikes in Kenya.
Available via a Web information site, with financed smartphones running on Android.
Target users include underbanked consumers and micro-entrepreneurs who need access to a smartphone and related services while building a repayment track record.
Notable in the African market context, the company reports $2B+ in credit unlocked, 7M+ customers across five markets, and 35,000+ sales agents, positioning the smartphone as a gateway to ongoing credit and add-on services for customers new to formal finance.
M-KOPA Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataAs of Sep 28, 2026, M-KOPA is rated 4.3 on Google Play from 76.2K reviews with 5M+ installs.
Recent Reviews for M-KOPA
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M-KOPA Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataM-KOPA has raised $347.8M across 17 recorded funding events. The latest was Debt Financing in Jul 2026.
- Total Raised:
- $347.8M
- Latest Round:
- Debt Financing
M-KOPA Investors & Funding Rounds
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M-KOPA Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source data
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Latest M-KOPA News & Updates
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Jobs at M-KOPA
| Title | Posted |
|---|---|
| Telesales Representative – Inbound | Aug 28, 2026 |
| Senior Sales Manager | Aug 27, 2026 |
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Frequently Asked Questions About M-KOPA
M-KOPA is a digital finance platform that lets you acquire smartphones and other products through small daily or periodic payments instead of paying the full price upfront. You pay a deposit, then continue making regular mobile money or in‑app payments until you complete the agreed term, at which point you fully own the device and may also access additional services like data bundles, hospital cover, or cash loans depending on your country.
M-KOPA pricing varies by product, model, country, and payment plan, so there is no single universal price. For example, in Kenya some phones require a deposit in the range of a few thousand KES plus daily payments, while other markets and models have different deposit and repayment amounts; you will see the exact cost when you select a device and plan in your country.
M-KOPA operates in several African countries, including Kenya, Nigeria, Ghana, and South Africa. Availability of specific products and services can differ by country.
You can sign up for M-KOPA by visiting an M-KOPA shop or authorized dealer in your country or by starting an order online for your specific country and product, then following the steps to pay the initial deposit and register an account. You will need a valid ID and a mobile number that can be used for mobile money payments where applicable.
Yes, M-KOPA has a mobile app on Android that you can use to sign in to your account and make payments directly from your phone. App availability and features may vary slightly by country and device.
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