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Safaricom Phones on Loan in Kenya

By Oluchukwu Ikemefuna

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Safaricom and Kenya Commercial Bank (KCB) are able to provide Kenyans with the opportunity to purchase Safaricom phones on loan, through a programme called Beba Sasa Lipa Pole Pole. You must have a KCB credit card in order to use the new service.

Through the collaboration, Kenyans will be able to purchase a limited selection of Safaricom phones on loan and make payments for them over time. The loan for a smartphone can be repaid in three, four, or five months. 

The iPhone XR, Samsung Tab A7, Nokia 1, Huawei P30 Lite, Samsung Galaxy A50, and Tecno Camon 11 are among the smartphones you may purchase.

In this article, we will examine how to get safaricom phones on loan and the requirements needed. Let’s dive in.

Read also – Loan Calculator and How to Use it

About Safaricom Phones on Loan

Safaricom and Google are teaming up to make your phone dreams come true with Lipa Mdogo Mdogo! Now you can get your hands on awesome phones with the safari on phones on lean initiative and pay for them in tiny, bite-sized daily installments as low as Ksh 20 for a whole year – how cool is that?

But here’s the scoop: before you dive into phone paradise, you’ll need to make a small deposit. The amount depends on which phone model you fancy, but don’t worry, it’s super affordable – anywhere from Ksh 500 to Ksh 5,000.

Now, let’s talk about options. They’ve got some sweet models lined up for you: Neon, Itel, and Tecno. Each one is packed with awesome features to suit your style and needs.

So, whether you’re all about that Neon glow, fancy the sleek Itel vibe, or want to dive into the world of Tecno wonders, they’ve got something for everyone. Get ready to grab your dream phone and join the Lipa Mdogo Mdogo party – it’s going to be epic!

Read also – Zenka Loan App: How to get Mobile Loan in 5 Minutes

How to get Safaricom Phones on Loan

To apply for a Beba Sasa Lipa Pole Pole or safaricom phones on loan, you need to do the following;

1. Choose the device

You will have to decide the device you wish to buy. The available devices can be viewed here as well as below.

DevicePrice (Ksh.)lowest installment (6 months)
Azumi Kirei A5D5400900
Azumi Speed 5 LTE4999833
Huawei Y6 2019149992499
Huawei Y7 2019189993166
iPhone 6S 32Gb Silver399996666
iPhone XR 128GB – Coral11999919999
iPhone XR 64GB – Coral10999918333
Nokia 3.1 Plus 32GB144992416
Oppo A3S Dark Purple139902330
Oppo F11 Pro399906665
Samsung Galaxy J2 Core – Black114991916
Samsung Galaxy J4 Black159992666
Samsung Galaxy J6 Plus Red219993666
Samsung Tab A 7″154992583
Tecno R8S115991933
Tecno SA1s Pro5699950
Tecno SA6s Gold69991166
Tesla 3.490001500
wiko Jerry 362991050
wiko Sunny 3 Mini4999833
Itel A14s – Black4499750
Nokia 1719991200
Tecno Cammon 11 – Black159992666
Huawei P30 Lite309995166
Samsung Galaxy A10 – Black134992249
Samsung Galaxy A20 – Black179992999
Samsung Galaxy A70 – Black399996666
Samsung Galaxy A30 – Black274994583
Samsung Galaxy A50 – Black364996083

2. Apply for the loan

You must fill out and submit a form to KCB in order to apply for the safaricom phones on loan or Beba Sasa Lipa Pole Pole loan. You must fill out the form by downloading it HERE. Next, fill out the form, scan it, and email it to safaricompromotion@kcbgroup.com.

Within 24 hours of receiving your application, KCB will analyze it and let you know if it has been approved or denied.

3. Collect device

Once your application has been approved, you can be able to collect the device you wanted at any Safaricom shop countrywide. To collect your device, you need your ID card and your KCB credit card.

With all of the Google Go apps preinstalled on this 4G smartphone, you can use it for email, YouTube Go for learning and entertainment, Maps Go for directions, and Search Go for any online queries. All of these services come with the Android Go operating system, which is a slimmed-down version of Android that uses fewer resources and functions flawlessly every day.

Read also – Samsung Galaxy S24 Ultra Price in Nigeria, Kenya, and South Africa

Eligibility Criteria to Purchase Safaricom Phones on Loan

Certain individuals are not eligible to purchase Safaricom phones on loan or the Lipa Mdogo Mdogo phones. These individuals fall into one of the following categories: 

  • those who are not currently using a 4G smartphone
  • Customers whose Safaricom lines are at least one year old
  • those who are over eighty-five and under
  • those who are not listed on CRB because of outstanding loans, such as FULIZA, M-Shwari, HELB, and other loans.

If you are approved for the service, customers will be required to make a down payment on the chosen gadget and will be free to settle the remaining amount over the course of a year. 

You will be able to pay off the sum in a year if you make your daily payments on time. Your payment balance will be cleared sooner if you make larger payments.

Keep in mind that the payback takes place while the phone is in your possession, allowing you to fully profit from the internet while having a minimal negative financial impact on them. We are dedicated to changing lives in this way.

Read also – Here are the Top 6 Crypto Exchanges Nigerians Can Use for Buying/Selling Bitcoin in 2024

Application Procedure

The application procedure to purchase a safaricom phone on loan is listed here:

1. Dial *544# from your device, Select Option 8 (Lipa Mdogo Mdogo)

 Simply dial *544# from your phone, then choose Option 8, which is labeled “Lipa Mdogo Mdogo.” It’s like pressing a few buttons to open the door to a world of possibilities!

2. Select Option 1 to Accept the Terms and Conditions

 Once you’re in, you’ll see some options on your screen. Just tap Option 1 to say, “Yes, I agree” to the terms and conditions. It’s like giving a thumbs up to start your exciting journey!

3. Safaricom will access your eligibility and send you a confirmation SMS

After you agree, Safaricom (that’s us!) will quickly check if you’re eligible. Then, you’ll get a friendly text message confirming everything is good to go! It’s like getting a virtual high-five from us.

4. The SMS also notifies you of the currently available phones and their prices

 In that SMS, you’ll find a list of cool phones available and how much they cost. It’s like peeking into a candy store and seeing all the delicious treats waiting for you!

5. Select your preferred phone and pay the stipulated deposit via M-Pesa

Now comes the fun part – choosing your dream phone! Once you’ve made your pick, just follow the instructions to pay the deposit using M-Pesa. It’s as easy as pie!

And there you have it – five simple steps to get your hands on the phone of your dreams! Clients that are successful in gaining access to the service must provide Kshs 500 as a down payment. You will then have nine months to pay the remaining amount.

Upon purchase, a new phone comes with 1 GB of free data, and each installment payment includes 50MB of data that is valid for 24 hours.

Terms and Conditions on Purchasing Safaricom Phones on Loan

By opting for a Safaricom phone loan, you acknowledge and agree to abide by these terms and conditions. If you have any questions or concerns, feel free to reach out to their customer service team for assistance.

1. Eligibility

To be eligible for purchasing Safaricom phones on loan, you must be a Safaricom customer with an active account.

2. Loan Agreement

By opting for the loan, you agree to enter into a loan agreement with Safaricom, outlining the terms and conditions of the loan, including repayment terms and any associated fees.

3. Deposit

A deposit ranging from Ksh 500 to Ksh 5,000, depending on the phone model, is required upfront before obtaining the loan.

4. Repayment

The loan amount will be repaid in daily installments over a period of 12 months. The daily installment amount will be as low as Ksh 20, making it convenient and manageable for borrowers.

5. Interest

The loan may be subject to interest charges, which will be clearly outlined in the loan agreement.

6. Ownership

The phone purchased on loan remains the property of Safaricom until the loan is fully repaid. Once the loan is paid off, ownership of the phone will transfer to the borrower.

7. Default

Failure to repay the loan as per the agreed terms may result in penalties, including late fees and potential legal action. This could also affect your credit score and future borrowing eligibility.

8. Modification

Safaricom reserves the right to modify or amend the terms and conditions of the loan agreement at any time, with prior notice to borrowers.

Advantages of Safaricom Lipa Mdogo Mdogo

The following are some justifications for utilizing the Safaricom Lipa Mdogo Mdogo service or purchasing safaricom phones on loan:

  • Since Safaricom is the primary dealer, you can be certain that the smartphones you purchase are genuine and original.
  •  It is the simplest method for moving from a press-button phone to a smartphone.
  • A complimentary 1GB bundle is included, good for 30 days.
  • By using the spreading expenses technique, it provides a lower payment that fits into your budget by allowing you to pay the large debt in convenient installments.
  • You can always pay off all of your debts before the repayment period expires.

Read also – Why is my M-shwari Loan Limit Zero in 2024?

Disadvantages of Safaricom Lipa Mdogo Mdogo

  • Until the last payment is made, you do not own the safaricom phone, and you are not allowed to sell it to anybody else.
  • Lipa Mdogo Mdogo’s cost is more than buying it whole because of the astronomical installments
  • When you don’t make your regular payments, you risk losing your phone, which would lower your credit score because defaulters’ names are typically reported to CRB.
  • Safaricom Fuliza does not allow you to pay the daily administration cost, which might seriously strain your finances in an emergency.
  • You will be responsible for paying for your phone even if it is lost or stolen.


How do I apply for a Safaricom phone loan?

You can apply for a Safaricom phone loan by dialing *544# from your device, then selecting the option for phone loans.

What documents do I need to provide for the loan application?

 Typically, you’ll need to provide identification documents such as your ID or passport, as well as proof of income.

Can I choose any phone model for the loan?

Yes, Safaricom offers a variety of phone models for loan, including popular brands like Neon, Itel, and Tecno.

What is the repayment period for the loan?

The repayment period for the loan is typically 12 months, with daily installments.

How much deposit do I need to pay upfront?

The deposit amount ranges from Ksh 500 to Ksh 5,000, depending on the phone model you choose.

Can I repay the loan early?

Yes, you can repay the loan early if you wish. Contact Safaricom’s customer service for details on how to do this.

What happens if I miss a payment?

If you miss a payment, Safaricom may impose penalties such as late fees. It’s important to communicate with them if you’re having trouble making payments.

Will defaulting on the loan affect my credit score?

Yes, defaulting on the loan may have a negative impact on your credit score, making it harder to obtain credit in the future.

What if I want to upgrade to a different phone model?

 You may be able to upgrade to a different phone model by contacting Safaricom and discussing your options with them.

Can I cancel the loan after I’ve already received the phone?

Once you’ve received the phone, the loan cannot be canceled. However, you can still repay the loan early if you wish.


In conclusion, Safaricom phones on loan offer a convenient way to access the latest devices with manageable repayment terms. By following simple steps outlined by Safaricom, customers can easily apply for and obtain a phone loan. 

With a variety of phone models available, including Neon, Itel, and Tecno, Safaricom ensures there’s something for everyone. Whether you’re in need of a new phone or looking to upgrade, 

Safaricom phone loan service provides a hassle-free solution. Don’t miss out on the opportunity to get your hands on the latest Safaricom phones – apply for a loan today!

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Oluwatobi Olowe
Oluwatobi Olowe

Tobi Olowe has over 3 years of experience as a content writer specializing in Tech discoveries, site optimization, building content that rank well and boosting overall site performance.

Articles: 151

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