Technology has brought about a revolution that can’t be matched anywhere, both globally and here in our motherland, Kenya. So much has changed, and now technology is running the world. especially here in Kenya where the use of smartphones is on the rise.
The latest data from the communications authority of Kenya suggests that about 34.5 million smartphones are in use in Kenya as of 2025. But even as the Kenyan population continues to own smartphones, many are still unable to afford the best at the entry, mid-range, and even flagship levels.
Luckily enough, FinTech platforms in the country, such as M-Kopa kenya, aim to bridge the gap of people not being able to afford smartphones by offering them without requiring you to pay the full upfront price. So, which are these M-Kopa Phones? And how do you access them? These are just a few questions this article attempts to answer.
About M-Kopa Phones In kenya
Before we dive into the article, let us briefly understand the M-Kopa company. M-Kopa is an asset financing platform that was founded back in 2010 with the aim of providing smartphones to those who aren’t able to afford them. It operates in 5 countries, including Ghana, Kenya, Uganda, Nigeria, and South Africa
In Kenya alone the asset financing platform offers from two brands only which are Select Samsung smartphones to M-Kopas in-house manufactured smartphone models dubbed as just as M-Kopa phones under various model series.
Requirements for Getting an M-Kopa Phone
The journey to owning your M-Kopa Phone in Kenya starts with a straightforward process: meeting the eligibility criteria. Below are the basic requirements that you must make sure to satisfy:
- You must be at least 18 years old.
- You should have your ID document with you (Scanned and Original)
- You need a Safaricom line to complete the purchase.
- Depending on the model, you will need to have cash that will be used for deposits and Cash for daily payments
Which phones does M-Kopa offer?
Below is a complete Table of all Mkopa Phones in Kenya, along with their Features and deposit:
| # | Phone Model | RAM | Storage | Battery | Rear Camera | Front Camera | OS | Screen Size | Special Features | Additional Notes |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | M-KOPA X20 | 6GB | 256GB | 5000 mAh | 50MP | 50MP Selfie | Android™ 14 | 6.56″ | Side Fingerprint Sensor | Sleek and modern design |
| 2 | M-KOPA X2 | 4GB | 64/128GB | 5000 mAh | 13MP dual | 8MP Selfie | Android™ 14 | 6.56″ | Side Fingerprint Sensor | Sleek and modern design |
| 3 | M-KOPA M10 | 4GB | 64GB ROM (expandable with memory extension 4GB) | 5000mAh | 13MP | 5MP | Android 14™ Go | 6.56″ | Side-fingerprint and Face Unlock, Hybrid Dual SIM | Textured finish back cover |
| 4 | Samsung A16 | 4GB | 128GB, expandable SD card | 5000 mAh | 50MP main | 13MP | Android 14™ | 6.7″ | Fingerprint sensor, Dual Sim | Vibrant colours display |
| 5 | M-KOPA S34 | 4GB | 64GB ROM | 5000mAh | 13MP + 0.3MP dual | 8MP | Android 14™ | 6.56″ | Side fingerprint sensor & face recognition, Dual SIM | Blazing-fast wireless connectivity |
| 6 | Samsung A06 | 4GB | 128GB, expandable SD card | 5000 mAh | 50MP main | 8MP | Android 14™ | 6.7″ | Fingerprint sensor, Dual Sim | Large display design |
| 7 | Samsung A05s | 4GB | 128GB | 5000 mAh | 50MP Main | 13MP | Android™ 14 | 6.7″ | Not specified | Gaming and social media performance |
| 8 | Samsung A25 | 6GB | 128GB | 5000 mAh | 50MP Main | 13MP | Android™ 14 | 6.5″ | Side-mounted Fingerprint Sensor | Clean camera layout, sleek profile, haze finish |
| 9 | Samsung A05 | 4GB | 64GB | 5000 mAh | 50MP | Not specified | Android™ 13 | 6.7″ | Dual SIM | HD+ display for games and movies |
How to Apply for an M-Kopa Phone
Once you have met all the requirements and know the phone model, you can apply for any phone you want. Here is how to complete the application process:
- Visit the nearest M-Kopa branch or authorized agent in your county.
- Make sure to meet all the requirements that we discussed above, including carrying your national ID and Safaricom line.
- Review the list of available phones, which includes various models from brands like Nokia and Samsung.
- You will then be required to pay the initial deposit, which varies based on the phone model. We have listed some in the table, but where we have listed, make sure to consult with the M-Kopa agent for assistance.
- After paying the deposit, you will need to make daily payments for one year. The specific amount will depend on the phone you choose (e.g., Ksh 60-95 daily)
Alternatively:
- Visit the Mkopa Kenya website at https://www.m-kopa.com/country/kenya
- On the main page, go to products and then smartphones.
- Scroll down until you see Get Your Phone
- Make sure to click on get the phone, and you will be redirected to WhatsApp to talk with the Mkopa agent
- You will then be guided on what to do
Wrapping-Up
And there you have it, friends. That is all you need to know about the M-kopa phone models in Kenya. By knowing the requirements, daily repayment plans, and phone models available, you can choose a phone you are comfortable with, its future and Repayment Plans. Anyway, if you have any questions, please comment below, and we will reply.
