---
title: "Motito: Pay in Instalments and Price Locking"
description: "Buy phones, laptops and fridges in Ghana and pay daily/weekly/monthly. Start from GHS 50; collect early at 60% paid with good RepScore."
canonical_url: "https://liners.com/motito"
markdown_url: "https://liners.com/motito.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/motito/screenshot.webp?v=1784412435288"
published_at: "2026-07-22T09:53:33.955Z"
updated_at: "2026-09-16T03:01:11.111Z"
---

# Motito: Pay in Instalments and Price Locking

Buy phones, laptops and fridges in Ghana and pay daily/weekly/monthly. Start from GHS 50; collect early at 60% paid with good RepScore.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Motito](/motito)

## Summary

Pay in instalments for essential items while locking prices

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://motito.co/ |
| Tagline | Pay in instalments for essential items while locking prices |
| Primary country | Ghana |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Marketplace](/tags/marketplace): Product feature or technology
- [Ghana](/countries/ghana): Market

## Related pages

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

## Access and citation

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