How do I compare buy now pay later?

Use our comparison tool to filter by interest rate, fees, approval time, and loan amount. Compare at least 3 products before making a decision. We have compared 5 buy now pay later from Kenyas leading banks and financial institutions.

Is it free to use PesaMarket?

Yes! PesaMarket is 100% free for consumers. We may earn a commission when you apply through our links, but this does not affect the rates or terms you receive.

How often is the information updated?

We update product information daily to ensure you have access to the latest rates, fees, and terms. Always verify final details with the financial institution before applying.

What is the best buy now pay later in Kenya?

The best buy now pay later depends on your specific needs, income level, credit history, and financial goals. Use our comparison tool to find products that match your requirements. Consider factors like interest rates, fees, approval time, and eligibility criteria.

How quickly can I get approved for a buy now pay later?

Approval times vary by lender. Digital lenders often approve applications within minutes, while traditional banks may take 1-7 days. Check the "Approval Time" field in our comparison table to find the fastest options.

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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.

Reviewed byPesaMarket Research Team

|Last verified: Jan 14, 2026

Sort By

Bank/Provider

Showing 5 of 5 products

⭐ Buying smartphones on installments

Lipa Later Buy Now Pay Later

Lipa Later

Interest Rate

0% - 20%

per annum

Max Amount

KES 500K

Approval Time

Instant - 24 hours

Processing Fee

Varies by merchant

Buy phones, electronics, furniture now - pay later
0% interest at select merchants

Apply Now

View Details & 0 Reviews →

M-Kopa Smartphone Financing

M-KOPA

Interest Rate

N/A

per annum

Max Amount

N/A

Approval Time

Processing Fee

None

Daily repayment model
Minimal deposit required

Apply Now

View Details & 0 Reviews →

⭐ Shopping at supermarkets

Safaricom Faraja

Safaricom / EDOMx

Interest Rate

0% - 0%

per annum

Max Amount

KES 100K

Approval Time

Instant

Processing Fee

None

0% interest - pay exactly what you buy
Credit limit up to KES 100,000

Apply Now

View Details & 0 Reviews →

Sevi B2B Order-Now-Pay-Later

Sevi

Interest Rate

N/A

per annum

Max Amount

N/A

Approval Time

Processing Fee

None

B2B focused (not consumer)
Stock financing for retailers

Apply Now

View Details & 0 Reviews →

⭐ First smartphone buyers

M-Kopa Asset Financing

M-Kopa

Interest Rate

15% - 25%

per annum

Max Amount

KES 150K

Approval Time

Same day

Processing Fee

None

Buy smartphones from KES 5,000 with daily payments
Solar home systems available

Apply Now

View Details & 0 Reviews →