🇰🇪 PROUDLY KENYAN
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.
Provider list verified against the CBK Directory of Licensed Digital Credit Providers as of 16/04/2026.
Showing 10 of 10 products
⭐ Buying smartphones on installments
Lipa Later Buy Now Pay Later
Lipa Later
Status unverified
Interest Rate
0-240%
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
⭐ 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
⭐ Buying electronics on installments
Aspira Product Financing
Aspira Kenya
Interest Rate
0-180%
per annum
- Product financing for electronics, furniture, and appliances
- 3-12 month installment plans
⭐ Used car buyers
Autochek Vehicle Financing
Autochek
Interest Rate
18-28%
per annum
- Used and new vehicle financing
- Vehicle inspection and certification included
⭐ Quick electronics purchases
FlexPay Lipia Pole Pole
FlexPay (Lipia Pole Pole)
Lender site unavailable
Interest Rate
0-216%
per annum
- Electronics and appliance financing
- Lipia Pole Pole (pay slowly) model
⭐ Students needing smartphones
Buy Simu Smartphone Financing
Buy Simu Technologies
Lender site unavailable
Interest Rate
60-180%
per annum
- Smartphone financing specialist
- New and refurbished phones available
⭐ Rural households
Copia Buy Now Pay Later
Copia Trade
Status unverified
Interest Rate
0-120%
per annum
- Rural e-commerce BNPL for everyday goods
- Household items, electronics, and groceries
⭐ Shoppers at partner merchant stores
Craft Silicon Merchant BNPL
Craft Silicon
Status unverified
Interest Rate
0-144%
per annum
- White-label BNPL platform for merchants
- Powers multiple retailer BNPL programs
⭐ Fashion-conscious shoppers
Cherry Fashion & Lifestyle BNPL
Cherry Kenya
Lender site unavailable
Interest Rate
0-180%
per annum
- Fashion and lifestyle focused BNPL
- Clothing, shoes, accessories financing
Showing top 10 of 15 products. Use filters above to narrow your match.
Expert Advice
“Buy 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.”