Enter your email address below and subscribe to our newsletter

M-kopa Phones on Loan in Uganda

By Oluchukwu Ikemefuna

Share your love

M-Kopa Phones on loan have emerged as a beacon of hope in Uganda, where access to affordable smartphones remains a challenge for many. 

In a country where connectivity is increasingly vital for social, economic, and educational advancement, M-Kopa’s innovative approach to smartphone distribution is changing access to communication and technology.

It offers individuals the opportunity to own a smartphone through convenient loan options and not only bridges the digital divide but also empowers communities and transforms lives.

In this piece, we’ll be reviewing all you need to know about this phone loan Company in Uganda, M-KOPA.

What is M-KOPA?

M-Kopa is an African company focused on financial empowerment through connected asset financing. They provide essential products like solar lighting systems, TVs, refrigerators, and, most importantly, smartphones.

M-KOPA also offers financial services like microloans. They target customers in Africa who are unbanked or underbanked, meaning they don’t have easy access to traditional financial products.

M-KOPA was founded in 2011 and has its headquarters in Nairobi, Kenya, with operations in Kenya, Uganda, and Nigeria. It was launched commercially in 2012 .

The company has a dedicated research and development unit, M-Kopa Labs, to explore new technologies and expand their platform.

M-Kopa uses a rent-to-own model. Customers make small payments over time (daily, weekly, or monthly) until they own the product outright.

This system makes use of mobile money, a popular payment method in Africa, to make the process convenient.

M-Kopa integrates mobile network connectivity into some products, allowing them to remotely monitor usage and ensure timely payments.

Read also: How Does Google Earth Track Mobile Numbers?

What is M-KOPA’s impact on Ugandan Society?

M-Kopa’s impact on Ugandan society is profound and multifaceted. It plays a crucial role in enhancing access to essential products and financial services for individuals who may not have the means to afford them upfront.

By offering products like solar lighting systems, TVs, refrigerators, and smartphones through a rent-to-own model, M-Kopa enables Ugandans to acquire these items gradually, making ownership more attainable.

M-Kopa’s provision of microloans coupled with its emphasis on timely payments helps individuals build a positive credit history.

This, in turn, contributes to financial empowerment by opening doors to additional financial opportunities and aiding Ugandans to participate more fully in the economy.

Beyond financial accessibility, M-Kopa aspires to foster empowerment and progress within Ugandan communities.

By facilitating access to essential products and financial tools, the company empowers individuals to take control of their lives and pursue opportunities for personal and economic advancement. 

Whether it’s a farmer using solar lighting to extend working hours or a small business owner making use of  a smartphone for digital transactions, M-Kopa’s initiatives enable Ugandans to enhance their livelihoods and expand their horizons.

Through its commitment to innovation and social impact, M-Kopa has become a catalyst for positive change in Ugandan society.

It addresses the financial barriers that hinder access to essential resources in Uganda, building financial resilience through credit history, and fostering empowerment and opportunity.

Read also: Tookeez, a Moroccan Fintech Startup Secures $1.5 Million Funding from Azur Innovation Fund

How to Get M-KOPA phones on loan.

M-KOPA phones on loan in Uganda offers a range of models and sizes at reasonable prices, ensuring accessibility to many. 

To qualify for an M-KOPA phone on loan in Uganda, follow these steps without worry:

  • Begin by visiting the nearest M-KOPA branch or agent with your national ID and Safaricom line.
  • Upon arrival, the agent will present you with a selection of phones available through the loan program.
  • Each device will display its required minimum deposit and daily instalment amount. 
  • Carefully review this information and select the phone that aligns with your budget. 
  • Once you’ve made your decision, proceed to pay the required deposit to take your chosen M-KOPA phone on loan in Uganda home with you. 

Its important to know that activation of the phone will occur within 24 hours of purchase. Subsequently, you’ll be expected to fulfil the daily instalment payments over the course of one year.

M-KOPA phones on loan in Uganda are a convenient solution for acquiring a reliable mobile device without a large upfront cost. By partnering with M-KOPA, individuals can access quality phones and flexible payment options to suit their financial capabilities. 

Whether you’re in need of a basic phone for communication or a smartphone for more advanced functionalities, M-KOPA offers a diverse selection to cater to various needs and preferences. 

The simplicity of the qualification process ensures that anyone with a valid national ID and Safaricom line can easily apply for an M-KOPA phone on loan in Uganda. 

The transparent pricing structure also allows customers to make informed decisions based on their budget constraints. 

With M-KOPA, owning a smartphone or feature phone in Uganda has never been more accessible or straightforward.

Read also: Google CEO Sundar Pichai Might Step Down

M-KOPA Phones on Loan in Nigeria.

The M-kopa phones on loan in Nigeria includes:


The Nokia X10 is a powerful smartphone made for people who want a fast and reliable device with lots of cool stuff. It has an amazing camera that takes really clear photos with 48 million pixels.

You can save tons of things on it because it has 4 gigabytes memory and 64 gigabytes space for storage. 

The battery lasts a super long time too, with 5,000 milliampere-hours. The screen is big and looks awesome at 6.6 inches, and it runs on the newest Android software, which is the Android 11 operating system.

To get one, you need to pay a deposit of Kshs 7,999 when you buy it. Then, you make daily payments of Kshs 100 for one year.


The Nokia C21 Plus phone combines affordability and durability while being budget-friendly. It has a 13MP camera, 2GB RAM, and 32GB storage. 

The battery capacity is 5,050mAh, and it runs on Android 11. With a 6.5-inch screen, it offers a good viewing experience. 

This phone is one of the least expensive options available on M-Kopa. It also features a 5MP selfie camera

The total price of the phone is Kshs 25,599. To own it, you need to deposit Kshs 3,699 and make daily payments of Kshs 60 for one year.


The Samsung A04E is a wallet-friendly smartphone packed with great features.

It comes with a 13MP camera for capturing memories, 2GB RAM and 32GB  storage space for apps and photos. The phone also has a long-lasting 5,000mAh battery to keep you going all day. 

It runs on Android 12 Os giving you access to the latest apps and features.

With dual SIM capability, you can easily manage multiple phone numbers, and its 6.5-inch screen provides a clear and immersive viewing experience. 

It is available on M-Kopa and you can own this phone by making a deposit of Kshs 3,500 and then paying just Kshs 70 per day for one year.


The Samsung AOS4 phone has a big 6.5-inch screen that looks amazing, a battery that can last for three whole days, and a super good camera with 50 megapixels.

It has 4 gigabytes RAM and 64 gigabytes storage space for your apps, photos, and stuff. The battery is really big, with a capacity of 5,000 milliampere-hours (mAh). The camera is top-notch, with 50 megapixels for taking really clear and detailed pictures.

It runs on Android, which is the operating system that runs the phone. It comes with Android 12, but you can upgrade it to Android 13 later on if you want.You can use two SIM cards in this phone, which is handy if you have two phone numbers.

To get this awesome phone, you just need to deposit 4,500 Kenyan Shillings.

5. NOKIA G21

The Nokia G21 boasts an exceptional 3-day battery life, top-notch security features, and an impressive camera setup.

With 4GB RAM and 64GB of storage, you’ll have ample space for all your needs. The device is powered by a robust 5,050mAh battery, ensuring long-lasting usage.

You can also capture stunning moments with the 50MP camera, while enjoying the seamless performance of Android 11.

Its expansive 6.5″ screen provides an immersive viewing experience. Under the M-Kopa plan, the phone is available for Kshs 38,849, requiring a deposit of Kshs 5,999 and a daily payment of Kshs 90 over one year.

Read also: South African Startups Invited to Apply for Irish Tech Challenge 2024

M-KOPA phones on loan in Uganda.

The M-kopa phones on loan in Uganda includes:


The Nokia C32 allows you to capture clear photos even in low-light situations, and it has a stylish design. 

With 12GB of storage, you can easily store your files, apps, and photos. It offers smooth performance and multitasking capabilities with 4GB RAM and an additional 3GB of virtual memory. 

The phone features a large 5,000mAh battery that provides long-lasting power. You can take high-quality photos with its 50MP rear camera and 8MP front camera for selfies. 

It runs on the Android 13 operating system which gives you access to the latest features and updates. 

It supports dual SIM cards, allowing you to use two SIMs simultaneously. You can also unlock your phone quickly and securely using the side-mounted fingerprint sensor. 

Its users can enjoy content on its spacious 6.5-inch screen which perfect for viewing your favourite apps and media.

2. NOKIA C22

The Nokia C22 has a good camera that takes clear pictures. It also has plenty of memory and storage space, making it fast and convenient to use. With a large 5,000mAh battery, it can last a long time without needing a recharge.

It works on the Android 13 operating system which offers a smooth and efficient user experience. The phone supports dual SIM cards for added flexibility.

For security, there’s a fingerprint sensor on the back of the phone. The screen is large, measuring 6.5 inches diagonally, providing ample space for viewing content.


The Samsung A03S comes with 2GB of memory, 32GB of storage space, and a big battery that lasts long. It runs on Android and has a main camera that takes decent pictures and a front camera for selfies.

The screen is large, measuring 6.5 inches. The phone costs Kshs 25,899 if you choose the plan. To get it, you’ll need to pay a deposit of Kshs 3,999. Then, you’ll pay Kshs 60 every day for one year.

4. Nokia C31

The Nokia C 31 has 4GB memory, enough to run many apps smoothly. It also has 64GB of space to store your photos, videos, and apps. With a big 5050 mAh battery, you can use your phone for a long time without recharging. 

The phone runs on Android 12, the latest version of Android. The main camera takes pictures with 13 megapixels, and there’s a selfie camera too, with 5 megapixels.

The screen is large at 6.75 inches, making it great for watching videos or playing games. The phone costs Kshs 29,849 in total. To buy it, you need to pay Kshs 4,299 upfront and then Kshs 70 every day for a year.

5. Samsung A03 

The Samsung A03 is a great phone available through M-Kopa. It comes with 3GB RAM, 32GB of storage space, a big 5000 mAh battery and runs on Android 10.

The phone has a high-quality 48MP main camera, a 6.5-inch screen, and a 5MP selfie camera. 

You can get it for Kshs 30,549 with the plan. To start, you’ll need to make a deposit of Kshs 4,999, and then pay Kshs 70 every day for one year.

6. Samsung A13 

The Samsung A13 has a 4GB RAM, which helps it run apps smoothly, and 64GB of storage for your photos, videos, and apps. It has a big battery that lasts a long time, an Android 12 system to operate it and a 50MP main camera for clear photos .

The phone also have a 6.5-inch screen for watching videos or browsing the web. Plus, it has an 8MP front camera for selfies.

If you want to get this phone, you can get it for Kshs 38,499 with a special plan. You’ll need to pay a deposit of Kshs 5,599 first. After that, you’ll make small daily payments of Kshs 90 for one year to pay off the rest.

7. Samsung A23 

The Samsung A23 comes with 4GB of memory, enough to run apps smoothly, and has 64GB of space to store photos, videos, and other files.

Its battery is big, lasting a long time without needing a charge. It uses the Android 12 system, providing access to all the latest features and apps.

With a 50-megapixel main camera and a 6.6-inch screen, it’s great for taking pictures and watching videos. Plus, it has an 8-megapixel front camera for selfies.

You can get this phone with two payment options. For the nine-month plan, you’ll need to pay a deposit of Kshs 13,999 and then Kshs 140 per day for 273 days. Or, if you choose the one-year plan, the total cost will be Kshs 56,949.

Read also :Uganda Communications Commission: A list of all the Short Codes in Uganda


 What does M-Kopa offer?

M-Kopa focuses on financial empowerment through connected asset financing. They provide essential products like solar lighting systems, TVs, refrigerators, and smartphones, along with financial services like microloans.

Where does M-Kopa operate?

M-Kopa has its  headquarter in Nairobi, Kenya, and operates in Kenya, Uganda, and Nigeria.

How does M-Kopa’s rent-to-own model work?

Customers make small payments over time (daily, weekly, or monthly) until they own the product outright.

What payment methods does M-Kopa use?

M-Kopa utilizes mobile money, a popular payment method in Africa, to make the process convenient.

How can I get an M-Kopa phone on loan in Uganda?

To get an M-Kopa phone on loan in Uganda, visit the nearest M-Kopa branch or agent with your national ID and Safaricom line, select a phone, pay the required deposit, and fulfil the daily instalment payments over one year.

What are some examples of phones available through M-Kopa in Uganda and Nigeria?

M-Kopa offers phones like Nokia X10, Nokia C21 Plus, Samsung A04E, Samsung A04S, Nokia G21 in Nigeria, and Nokia C32, Nokia C22, Samsung A03S, Nokia C31, Samsung A03, Samsung A13, and Samsung A23 in Uganda, each with different features and pricing options.


M-Kopa Phones are transforming access to communication and technology in Uganda, providing individuals with affordable smartphones and empowering them to improve their lives.

By bridging the digital divide and promoting digital inclusion, M-Kopa is playing a vital role in driving social and economic development across the country.

With continued innovation and investment, M-Kopa Phones have the potential to unlock even greater opportunities for Ugandans, paving the way for a more connected and prosperous future.


  • m-kopa – About m-kopa 
  • m-kopa.com – M-kopa phone Nigeria
  • m-kopa – M-kopa phone in uganda
  • tuko.co.ke – How to get M-Kopa phones: Qualifications and daily repayments 


Share your love
Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

Articles: 148

Newsletter Updates

Enter your email address below and subscribe to our newsletter

Stay informed and not overwhelmed, subscribe now!