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Buy Now Pay Later in Kenya
Compare Buy Now Pay Later services in Kenya. Shop now and pay in installments with flexible payment plans.
There are 15 buy now pay later available in Kenya with interest rates from 0% to 28% monthly. Amounts range from KES 20 to KES 5,000,000. PesaMarket updates this data regularly.
Showing 15 of 15 products
â Buying smartphones on installments
Lipa Later Buy Now Pay Later
Lipa Later
Status unverified
Interest Rate
0% - 20%
per annum
- Buy phones, electronics, furniture now - pay later
- 0% interest at select merchants
M-Kopa Smartphone Financing
M-KOPA
Interest Rate
N/A
per annum
- Daily repayment model
- Minimal deposit required
â Shopping at supermarkets
Safaricom Faraja
Safaricom / EDOMx
Interest Rate
0% - 0%
per annum
- 0% interest - pay exactly what you buy
- Credit limit up to KES 100,000
Sevi B2B Order-Now-Pay-Later
Sevi
Interest Rate
N/A
per annum
- B2B focused (not consumer)
- Stock financing for retailers
â First smartphone buyers
M-Kopa Asset Financing
M-Kopa
Interest Rate
15% - 25%
per annum
- Buy smartphones from KES 5,000 with daily payments
- Solar home systems available
â Buying electronics on installments
Aspira Product Financing
Aspira Kenya
Interest Rate
0% - 15%
per annum
- Product financing for electronics, furniture, and appliances
- 3-12 month installment plans
â Boda-boda riders needing a motorbike
Watu Credit Asset Financing
Watu Credit
Status unverified
Interest Rate
2% - 5%
per annum
- Motorcycle (boda-boda) financing specialist
- Electric vehicle and tuk-tuk financing
â Off-grid households
Sun King Solar Pay-As-You-Go
Sun King
Status unverified
Interest Rate
0% - 0%
per annum
- Solar home systems (lights, TV, radio, phone charging)
- Pay-as-you-go model with daily M-Pesa payments
â Used car buyers
Autochek Vehicle Financing
Autochek
Interest Rate
18% - 28%
per annum
- Used and new vehicle financing
- Vehicle inspection and certification included
â Quick electronics purchases
FlexPay Lipia Pole Pole
FlexPay (Lipia Pole Pole)
Lender site unavailable
Interest Rate
0% - 18%
per annum
- Electronics and appliance financing
- Lipia Pole Pole (pay slowly) model
â Students needing smartphones
Buy Simu Smartphone Financing
Buy Simu Technologies
Lender site unavailable
Interest Rate
5% - 15%
per annum
- Smartphone financing specialist
- New and refurbished phones available
â Rural households
Copia Buy Now Pay Later
Copia Trade
Status unverified
Interest Rate
0% - 10%
per annum
- Rural e-commerce BNPL for everyday goods
- Household items, electronics, and groceries
â Little app regular users
SpotIt In-App BNPL
SpotIt by Little
Lender site unavailable
Interest Rate
0% - 12%
per annum
- In-app merchant payments via Little platform
- Ride-hailing and food delivery BNPL
â Shoppers at partner merchant stores
Craft Silicon Merchant BNPL
Craft Silicon
Status unverified
Interest Rate
0% - 12%
per annum
- White-label BNPL platform for merchants
- Powers multiple retailer BNPL programs
â Fashion-conscious shoppers
Cherry Fashion & Lifestyle BNPL
Cherry Kenya
Lender site unavailable
Interest Rate
0% - 15%
per annum
- Fashion and lifestyle focused BNPL
- Clothing, shoes, accessories financing
Expert Advice
âBuy Now Pay Later feels free, but late payment penalties can add 10-25% to the purchase price. Only use BNPL if you are certain you can make every installment on time.â