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An asset financing and pay-small-small marketplace for Ghanaian consumers to buy phones, laptops, fridges and more, lock prices, and pay via mobile money.
Motito Product Overview
Is Motito Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Ghanaian shoppers
- Pay-small-small buyers
What It Does Well
- Instalment payments
- Locks item prices
Things to Check
- Eligible item list
- Upfront deposit amount
About Motito
Motito is a Ghana-based asset financing and pay-in-instalments marketplace for consumers who want to buy essential items and pay daily, weekly, or monthly over a chosen duration.
Key features include:
- PaySmallSmall plans for items such as phones, laptops, fridges, sewing machines, mattresses, and motorcycles, with example weekly amounts shown on the marketplace and a total cost displayed upfront.
- Keep My Price to lock an item’s price from day one, even if market prices increase.
- RepScore that improves with on-time payments, plus Collect Early options (items may be collected at 60% paid with a good RepScore).
- Mobile money payments via MTN MoMo and Telecel Cash, including auto-debit, plus Pay4Me for sharing a plan link so friends and family can contribute.
Available on Web.
It serves individual consumers in Ghana purchasing essential assets who prefer structured instalments with clear pricing.
Notable in the Ghana market, the service is Bank of Ghana regulatory sandbox recognised and focuses on transparent instalment purchasing for everyday goods through partner brands and fulfilment partners such as Samsung, Xiaomi, Apple, LG, Bruhm, Nasco, Ashfoam, Electroland, Electromart, Xiaomi Ghana, and HAK Computers.
Motito 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. Learn moreOperates In
Official Links
What it does
Pricing & Fees
Variable pricingPricing varies by product, e.g. "Laptops · GHS 85/wk", "iPhones · GHS 120/wk", "Motorcycles · GHS 95/wk", "Sewing machines · GHS 45/wk"; example "Weekly payment GHS 300/week" for "iPhone 15 (128GB)"; "GHS 50 to start."
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Motito Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. Learn moreMotito has raised $235K across 4 recorded funding events. The latest was Venture Round in Jun 2022.
- Total Raised:
- $235K
- Latest Round:
- Venture Round
Motito Investors & Funding Rounds
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Motito Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. Learn moreFrequently Asked Questions About Motito
Motito is a Ghana-based asset financing and pay-in-instalments marketplace that lets you buy essential items (such as phones, laptops, fridges, mattresses and more) and pay over time in structured instalments via mobile money. You choose a PaySmallSmall plan, lock the item’s price, configure daily, weekly or monthly payments for a set duration, then make instalments and collect your item once you have paid enough or qualify for early collection through a good RepScore.
Motito does not charge a subscription fee; you pay the retail price of your chosen item over instalments, with the total cost shown upfront and no hidden fees for PaySmallSmall layaway plans. For certain Buy Now, Pay Later credit plans, Motito applies a 5.6% monthly service charge on the retail price after an initial interest-free period, and exact costs vary by item and payment plan.
Motito currently operates in Ghana, serving consumers purchasing assets from partner brands and retailers within the Ghanaian market.
You can sign up for Motito by visiting the Motito website or downloading the Motito mobile app, then creating an account and following the prompts to browse items and set up a payment plan. If you use MTN MoMo, you can also access Motito through the MyMoMo app.
Yes, Motito has a mobile app available on Android and iOS, and it is also accessible via the MTN MyMoMo app in addition to the web platform.
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