Select a phone and choose how you want to pay — daily, weekly, six months, or annually.
Payment plan
Select a phone to see your payment breakdown.
Credit Terms — Good to Know
Common questions about how financing works before you apply.
What happens if I lose my phone during the payment period?
You remain fully responsible for completing all outstanding instalments even if the phone is lost, stolen, or damaged. We strongly recommend insuring your device as soon as you receive it.
What happens if I miss a payment?
Please contact us as soon as possible if you expect to miss a payment. Continued missed payments without communication may lead to follow-up action, including recovery of the device.
Can I pay off my balance early?
Yes. You can clear your remaining balance at any time with no early-repayment penalty.
Who owns the phone during the payment period?
The phone remains the property of PhonesOnCredit until the deposit and all instalments are paid in full. Ownership transfers to you once the balance is fully cleared.
What documents do I need to qualify?
A valid National ID and your Next of Kin details. For Samsung and iPhone devices, we additionally require your last 6 months' M-Pesa statement (PDF) and clear photos of both sides of your ID.
Can I switch to a different phone after applying?
Yes, subject to approval and any adjustment to your deposit or instalment plan, as long as the device has not yet been issued.
Is there a penalty for late payment?
A short grace period applies. Please reach out to our team if you anticipate a delay so we can advise on your specific plan.
What if my phone develops a fault?
Devices are covered by the manufacturer/dealer warranty terms communicated at handover. Contact us and we'll guide you through the process — you remain responsible for instalments in the meantime.
