Protect yourself from scams! M-KOPA will never ask you to pay a fee or deposit when you apply for a cash loan. Legitimate M-KOPA cash loans are only available through the M-KOPA app. Please report any suspected scams to M-KOPA’s customer care line at 0707333222.


Unlock progress with a fair and flexible payment plan

  • Nokia G22 On M Kopa Website

    Nokia G22

    With OZO Playback, Nokia G22 works to balance headphone output for a fine-tuned audio experience. And, thanks to a 3-day battery life, you can keep on enjoying the entertainment you love for longer.

  • Samsung A25 On M Kopa Website

    Samsung A25

    The Galaxy A25 5G sheds unnecessary components and highlights its design essence with its clean camera layout, sleek profile, unique patterns and haze finish. Available in Blue Black, Blue and Yellow.

  • Sm A055 Galaxy A05 Black Front

    Samsung A05

    The screen keeps going!
    Enjoy your favorite games, movies and content with the vast, 6.7-inch HD+ display.

  • Ao5s

    Samsung A05s

    The A05s is equipped with the performance capacity for seamless gaming, viewing, and sharing on social media!

  • Sma155 Galaxy A15 Lte Blue Black Front 342185 (1)

    Samsung A15

    Awesome Super AMOLED display, triple camera and powerful performance. What more could you ask for?

  • Nokia C32 Beachpink Front Back Int

    Nokia C32

    Take stunning low-light shots while embracing a luxury look and feel.

  • Samsung A14 Za

    Samsung A14

    Work hard, play hard with the Samsung A14 all-day 3-day battery life, 50MP triple camera and 6.55inch display.

  • Nokia C22 Charcoal Front Back Int (1)

    Nokia C22

    Impressive camera, large battery capacity and high performance.

  • Nokia C21 Blue Front Back Int

    Nokia C21

    Epic all-day battery life - from just a single charge means you can do more of what you love.

  • Samsung Galaxy A03 Core Removebg Preview

    Samsung A03

    The Samsung A03 is an entry-level smartphone that offers an affordable option for anyone in need of a basic mobile device.

  • Hero D Removebg Preview

    Samsung A13

    Take excellent photos with the powerful camera all day long.

  • Samsung Galaxy A23 4gb 128gb Black Removebg Preview

    Samsung A23

    The Samsung A23  features a sleek design, great camera and a wide screen, making it a stylish and practical choice for everyday use.

  • X10

    Nokia X10

    The Nokia X10 is a high-performance smartphone designed for power users, offering lightning-fast speeds and robust features for a premium mobile experience.

  • Nokia C21 Plus Dark Cyan Front Back Int

    Nokia C21 Plus

    Combine affordability with durability at a budget-friendly price point.

  • Screenshot 2023 05 10 160726

    Samsung A04e

    A budget friendly smartphone with great value for money!

  • A04s

    Samsung A04s

    Experience the power and versatility of the Samsung A04s.

  • Ao3 core

    Samsung A03 Core

    The Samsung A03 Core offers unbeatable value for its price. Enjoy the 3-day battery life for work or play.

  • G21 New

    Nokia G21

    Enjoy the impressive Nokia G21 performance and durability without breaking the bank!

  • Hospicash New Logo 2021 01 Cropped

    Medical Cover

    Protect your health and your wallet. Get fast access to M-KOPA Hospicash coverage for peace of mind and financial security.

  • Microsoftteams Image (337)


    Unlock access to cash loans with your M-KOPA smartphone fast and hassle-free.

  • Ampersand Image


    Effortlessly conquer any terrain with the power and convenience of the Ampersand Mid Drive electric motorbike.  Fast and easy battery swaps ensure you never miss a business opportunity.

  • Roam Electric 7

    ROAM Air

    Experience the thrill of the ride with an eco-friendly twist with a Roam Air electric motorbike.  Designed and built right here in Kenya, you can charge easily from anywhere, including your home.

  • Copia Logo English Slogan 1

    M-KOPA e-voucher

    Access Copia products through the M-KOPA e-voucher instantly and get any household, food and construction materials at the click of a button.

How M-KOPA Works

Access products and services that unlock progress in your life in 4 easy steps!

M Kopa Iconography Instantaccess

Make a deposit
and instantly take
home the latest

M Kopa Iconography Payeasy

Make easy
daily, weekly
or monthly

M Kopa Iconography Owneasy

Own your
smartphone and
build a credit history
with M-KOPA

M Kopa Iconography Upgrade
Unlock access to a
wider range of M-KOPA
products and services

Img 1121Spintex1035a6760 (1)Susanna Ofori Ghana
Before I got my smartphone, my chicks were dying. Now, I send photos to the agrovet and he helps by giving advice and telling me medicines to buy. Now, my chicks all live!
Grace Mutheu
Customer in Machakos, Kenya
I use the M-KOPA phone to promote my business through digital marketing, and as a result, my business income has increased. I stay in touch with family too.
Jonathan Antwi
Customer in Accra, Ghana
Once I got a smartphone, I could sign up for ride-hailing apps. I earn so much now I have bought my own bike and I’m saving for a second to rent to another rider!
Abdulah Bakibisemyu
Customer in Kampala Uganda
I am now able to communicate with people across town to buy my clothes. I speak to my suppliers too. With my old feature phone, I could not share photos or advertise my business.
Susanna Ofori
Customer in Accra, Ghana