---
title: "M-KOPA: Smartphone Financing in Africa"
description: "Pay-as-you-go smartphone in Ghana, Kenya, Nigeria, South Africa or Uganda; repay daily/weekly/monthly; unlock loans after 3 months."
canonical_url: "https://liners.com/m-kopa"
markdown_url: "https://liners.com/m-kopa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/m-kopa/screenshot.webp?v=1772881444805"
published_at: "2026-03-07T12:02:16.200Z"
updated_at: "2026-09-19T03:02:06.491Z"
---

# M-KOPA: Smartphone Financing in Africa

Pay-as-you-go smartphone in Ghana, Kenya, Nigeria, South Africa or Uganda; repay daily/weekly/monthly; unlock loans after 3 months.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [M-KOPA](/m-kopa)

## Summary

Pay-as-you-go smartphones and essential products

M-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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.m-kopa.com/ |
| Tagline | Pay-as-you-go smartphones and essential products |
| Primary country | Kenya |
| Platforms | Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | Yes |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Insurance](/tags/insurance): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [South Africa](/countries/south-africa): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/m-kopa/alternatives)
- [Reviews](/m-kopa/reviews)
- [Transparency](/m-kopa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/m-kopa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)