M-KOPA is an innovative asset financing platform that offers customers access to a wide range of products, including locked smartphones, through a pay-as-you-go model. Customers must make an initial deposit and agree to pay a specific amount regularly to activate and continue using the device. M-KOPA is a mobile phone service that provides affordable smartphones and services to low-income earners through an easy payment plan for customers who cannot afford to pay upfront prices for their M-KOPA devices.
M-KOPA phones have been a game-changer in the smartphone market by offering a convenient way for their customers to purchase smartphones through a credit whereby they are required to pay an initial deposit and the remaining balance in daily instalments over a specific time, typically a year.
M-KOPA phones are available in various types, sizes, and price ranges, offering many affordable models for anyone wanting to own a smartphone. In this article, we will explore various M-KOPA phone models, their features, and prices available at M-KOPA stores.
All M-KOPA Phones and Prices
Currently, the company provides only two mobile brands, Samsung and Nokia, but plans to expand to other brands to meet their customers’ needs. M-KOPA offers various smartphone models that suit their customers’ preferences and financial needs:
List of M-KOPA Nokia phones, their features and prices
1) Nokia C1
The Nokia C1, an affordable smartphone with basic features, can be acquired from M-KOPA by paying a deposit of Kshs 2699 and a daily instalment of Kshs 35.
Key Features and specification
- Display: 5.45-inch with resolution of (480 × 960 pixels)
- Processor: 1.3GHz quad-core
- Front and Rear Camera: 5MP each
- RAM and Storage: 1GB, 16GB (with a memory card slot)
- Battery Capacity: 2500mAh
- Operating System: Android 9 Pie (Go Edition)
2) Nokia C01 Plus
The Nokia C01 Plus is available to customers for a deposit of Kshs 3299 and a daily payment of Kshs 40 for 365 days.
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Key Features and Specifications
- Display: 5.45 inch
- Processor: Unisoc SC9863A
- Main and Front camera: 5MP(each)
- Ram and Internal Storage:1GB, 16GB
- Battery Capacity:3000 mAh
- OS: Android 11 (Go edition)
3) Nokia C10
The Nokia C10 is available at M-KOPA stores at an affordable price, requiring a deposit of Kshs 3299 and a daily instalment of Kshs 40 for 365 days.
Key features and specifications
- Display: 6.52 inch
- Processor: Unisoc SC7331E
- Main and Front camera: 5MP(each)
- Ram and Internal Storage:1GB, 32GB
- Battery Capacity:3000 mAh
- OS: Android 11 (Go edition)
- Colors: Gray, Light Purple
4) Nokia C20
Nokia C20 is available at affordable prices from M-KOPA phones at a deposit of Kshs 3999 and daily payment of Kshs 45 for 365 days.
Key features and specifications
- Display: 6.52 inch
- Processor: Unisoc SC9863A
- Main and Front camera: 5MP(each)
- Ram :(1GB,2GB)
- Internal storage:16GB,32GB
- Battery Capacity:3000 mAh
- OS: Android 11 (Go edition
- Colors: Sand, Dark Blue
5) Nokia C21
The Nokia C21 is a budget phone,e which is evident considering its design. It is available at a deposit of Kshs 3999 and a daily instalment of Kshs 50 for 365 days
Key features and specifications
- Display: 6.52 inch
- Processor: Unisoc SC9863A
- Main and Front camera: 8MP, 5MP
- Ram:2GB)
- Internal storage:32GB
- Battery Capacity:3000 mAh
- OS: Android 11 (Go edition)
- Colors: Dark Blue, Warm Gray
6) Nokia C21 Plus
The Nokia C21 Plus is available at M-KOPA phone stores at a recommended price of a deposit of Kshs 4699 and a daily payment of Kshs 55 for 365 days.
Key Features and Specifications
- Display: 6.52 (720 x 1600-pixel)
- Processor: Unisoc SC9863A
- Rear Camera 13MP +2MP
- Front camera: 5MP
- Ram:2GB
- Internal storage:64GB
- Battery Capacity:4000 mAh
- OS: Android 11 (Go edition)
- Colors: Dark Cyan, Warm Gray
7) Nokia C30
The Nokia C30 is available at M-KOPA phone stores at a deposit of Kshs 4299 and daily instalment of Kshs 55 for 365 days, totalling Kshs 24,374
Key features and specifications
- Display: 6.82-inch (1080×2400)
- Processor: 1.2GHz octa-core
- Front Camera: 5MP
- Rear Camera: 13MP + 2MP
- RAM: 3GB, 4GB
- Internal Storage: 32GB, 64GB
- Battery Capacity: 6000mAh
- OS: Android 11 (Go edition)
- Colors: Green, White
8) Nokia G10
Nokia G10 is a friendly budget smartphone that offers a wide range of features for an affordable price. It is available at M-KOPA phone stores at a deposit of Kshs 3699 and daily payment of Kshs 60 for 365 days totaling Kshs 25,599
Key features and specifications
- Display: 6.52-inch (720×1600)
- Processor: MediaTek Helio G25
- Front Camera: 8MP
- Rear Camera: 13MP + 2MP+2MP
- RAM: 4GB
- Internal Storage: 64GB
- Battery Capacity: 5050mAh
- OS: Android 11
- Colors: Dusk, Night
9) Nokia G20
Nokia G20 has impressive features that offer seamless user experience
The phone is available at M-KOPA phone stores at friendly prices of a deposit of Kshs 4,999 and a monthly installment of Kshs 70 for 365 days
Key Features and Specifications
- Display: 6.52-inch (720×1600)
- Processor: MediaTek Helio G35
- Front Camera: 8MP
- Rear Camera: 48MP +5MP+ 2MP+2MP
- RAM: 4GB
- Internal Storage: 64GB
- Battery Capacity: 5050mAh
- OS: Android 11
- Colors: Glacier, Night
10) Nokia G21
Nokia G21 has impressive features and its performance provides a seamless experience to the user. The phone is available at M-KOPA phones stores at affordable prices; to acquire you must deposit Ksh 4,999 and complete the remaining balance by making a daily payment of KES 70 for 365 days, which amounts to KES 30,549.
Key features and specifications
- Display: 6.50-inch (720×1600)
- Processor: Unisoc T606
- Front Camera: 8MP
- Rear Camera: 50MP +5MP+ 2MP+2MP
- RAM: 4GB
- Internal Storage: 128 GB
- Battery Capacity: 5050mAh
- OS: Android 11
- Colors: Glacier, Night
11) Nokia G50,5G
Nokia G50,5G is available at M-KOPA phone stores. To purchase this phone, you must deposit Kshs 9499 and daily installments of Ksh 140 for 365 days.
Key features and specifications
- Display: 6.82-inch (720 x 1560 pixels)
- Processor: Qualcomm Snapdragon 480
- Front Camera: 8MP
- Rear Camera: 48MP +5MP+ 2MP
- RAM: 4GB
- Internal Storage: 64 GB
- Battery Capacity: 5000mAh
- OS: Android 11
- Colors: Glacier, Night
12) Nokia X10
The Nokia X10 stands out as the best Nokia Phone due to its unique features that improve its performance and provide the user with a quality experience. The phone is available at M-KOPA phone stores at an initial deposit of Kshs 7999 and a daily instalment of Kshs 100 for 365 days before being given full ownership of the phone.
Key features and specifications
- Display: 6.67 inches, IPS LCD
- Processor: Qualcomm Snapdragon 480 5G
- Front Camera: 8MP
- Rear Camera: 48MP +5MP+ 2MP+2MP
- RAM: 6GB
- Internal Storage: 128GB
- Battery Capacity: 4470mAh
- OS: Upgradable to Android 12
- Colors: Dusk, Night
List of M-KOPA Samsung Phones, their Features and Prices
1. Samsung Galaxy A02
Samsung Galaxy A02 is available at M-KOPA phone stores at affordable prices with flexible payment terms. To acquire this phone, you must pay a deposit of Kshs 3499 and a daily instalment of Kshs 55 for 365 days.
Key Features and Specifications
- Display: 6.5 inch
- Processor: Mediatek MT6739W
- Front Camera: 5MP
- Rear Camera: 13MP+ 2MP+2MP
- RAM: 2/3GB
- Internal Storage: 32/64GB
- Battery Capacity: 5000mAh
- OS: Android 10.0
- Colors: Black, Blue, Red
2) Samsung Galaxy A03
Samsung A03 has features that are impressive to the user and offer a seamless experience. The phone is available at M-KOPA phone stores at affordable prices, to acquire it, you, an animist, make an initial deposit of Kshs 3499 and a daily instalment of Kshs 60 for 365 days.
Key features and specifications
- Display: 6.5 inch
- Processor: Octa-Core Unisoc T606
- Front Camera: 5MP
- Rear Camera: 48MP +2MP
- RAM: 2, 3GB
- Internal Storage: 32, 64GB
- Battery Capacity: 5000mAh
- OS: Android 11
- Colors: Black, Blue, Red
3) Samsung Galaxy A03 core
It is an entry-level smartphone. The Samsung Galaxy A03 Core is an entry-level smartphone with good features that improve its performance. The Galaxy A03 Core is available at M-KOPA phone stores at a deposit of Kshs 3,999 and a daily instalment of KES 60 for 365 days, which amounts to Kshs 25,899
Key features and specifications
- Display: 6.50-inch (720×1600)
- Processor: Unisoc SC9863A (28nm)
- Front Camera: 5MP
- Main Camera:8MP
- RAM: 2GB
- Internal Storage: 32GB
- Battery Capacity: 5000mAh
- OS: Android 11 (Go Edition)
- Color: Black, Blue
4) Samsung A03s
The Samsung Galaxy A03s is available at M-KOPA phone stores. You need to deposit Kshs 3,999 and daily payments of KES 65 for 365 days to purchase.
Key features and specifications
- Display: 6.50-inch (720×1600)
- Processor: MediaTek MT6765 Helio P35
- Front Camera: 5MP
- Main Camera: 13MP+2MP+ 2MP
- RAM: 3GB, 4GB
- Internal Storage: 32GB, 64GB
- Battery Capacity: 5000mAh
- OS: Android 11
- Color: Black, Blue, White
5) Samsung A12
Samsung A12 has unique features that offer a seamless experience to the user. The phone is available at M-KOPA phone stores, and to purchase it, you need to pay a down payment of Kshs 4,499 and a daily instalment of Kshs 70 for 365 days.
4) Key features and specifications
- Display: 6.50-inch (720×1600)
- Processor: MediaTek Helio P35
- Front Camera: 8MP
- Main Camera: 48MP+5MP +2MP+ 2MP
- RAM: 4GB
- Internal Storage: 64GB, 128GB
- Battery Capacity: 5000mAh
- OS: Android 10
- Color: Black, Blue, White, Red
5) Samsung Galaxy A13,5G
Samsung Galaxy A13 is available at all M-KOPA phone stores to purchase you need to make a down payment of Kshs 5,999 and daily payments of KES 90 for 365 days.
Key Features and Specifications
- Display: 6.6-inch Resolution – 1080 x 2408 pixels
- Processor: MediaTek Dimensity 700
- Front Camera: 8MP
- Main Camera: 50MP +2MP+ 2MP
- RAM: 4GB
- Internal Storage: 64GB
- Battery Capacity: 5000mAh
- OS: Android 11
- Color: Black, Green
6) Samsung Galaxy A22
Samsung Galaxy A22 is also available at all M-KOPA phone stores. To acquire it, customers must pay a deposit of KES 5,999 and a daily payment of KES 85 for 365 days.
Key Features and Specifications
- Display: 6.4-inch (720×1600)
- Processor: MediaTek Helio G80
- Front Camera: 13MP
- Main Camera: 48MP + 8MP+2MP+ 2MP
- RAM: 4GB
- Internal Storage: 128GB
- Battery Capacity: 5000mAh
- OS: Android 11
- Color: Black, White, Mint, Violet
7) Samsung Galaxy A23
Samsung A23 is a mid-range smartphone with a sleek design and unique features that offer a seamless experience to the user.
The phone is available at M-KOPA phone stores for customers who purchase it you have to pay a deposit of KES 6,999 and a daily payment of KES 100 for 365 Days which totals to KES 43,499.
Key features and specifications
- Display: 6.6- inches (TFT), Resolution –(1080 x 2408 pixels)
- Processor: Qualcomm Snapdragon 680 4G (6 nm)
- Front Camera: 8MP
- Main Camera: 50MP + 5MP+2MP+ 2MP
- RAM: 4GB,
- Internal Storage: 128GB
- Battery Capacity: 5000mAh
- OS: Android 12, One UI 4.1
- Colors: Black, White, Peach, Blue
8) Samsung Galaxy A33, 5G
Samsung Galaxy A33 has advanced features that offer a seamless experience to the user. It is available at M-KOPA phone stores at affordable prices. The devices can be acquired through two payment options;
The first option is for the customers to pay a deposit of KES 15,999 and a daily payment of KES 190 for nine months.
The second is to make a down payment of KES 10,999 and a daily installment of KES 170 for 12 months.
Key features and specifications
- Display: 6.40- inches (TFT), Resolution –(1080 x 2408 pixels)
- Processor: Exynos 1280 5G (5 nm)
- Front Camera: 13MP
- Main Camera: 48MP + 8MP+5MP+ 2MP
- RAM: 6GB
- Internal Storage: 128GB
- Battery Capacity: 5000mAh
- OS: Android 12
- Colors: Black, White, Peach, Blue
- Connectivity: Dual sim, 3G, 4G, 5G
How to Purchase and Activate an M-KOPA Phone in Kenya
The steps towards ownership of a M-Kopa phone are
- Visit a M-KOPA branch or outlet
- Present your National ID and a Safaricom line for registration
- You will be provided with a list of phones available to choose from that have your preferred features and are affordable.
- Pay the down payment fee of KES 3,500
- You will be issued with a phone after registration and payment is complete.
- The phone will be activated within 24 hours, after which you will be required to pay a daily instalment for one year.
N/B The phone issued will depend on the customer’s preferences and affordability to pay for it within the stipulated time.
The Impact of M-KOPA phones on daily life
M-KOPA mobile service has improved the ownership of smartphones in Kenya by providing smartphones to their customers at affordable prices with flexible payment terms. However, this service has a few setbacks that have impacted the economic life of its customers.
Some of the few setbacks with M-KOPA phones include;
- The price of the M-KOPA phones is almost double the retail price
- If the device is lost, the buyer will continue paying until the total amount is recovered.
- In case you default on daily payment, your phone will be disconnected until you pay
- It has impacted the economic life of their customers because, in the long run, some customers will be able to pay due to the extended repayment period.
Eligibility and Requirements to Qualify for M-KOPA Phones
M-KOPA mobile service is a credit facility just like any other loan service therefore, they have their criteria for determining the eligibility of their customers. The qualifications include:
1. Should Have a National ID and Safaricom number
Customers are required to present their original National ID during registration. The ID helps to confirm the customer’s identity and avoid identity theft or impersonation.
Also, the customers should have an active M-PESA number, which they use to pay their deposit and subsequent daily payments since the M-KOPA mobile service accepts only cashless financial transactions.
2. Have no active loans with M-KOPA service
Any customers who wish to purchase an M-KOPA phone have to credit free from M-KOPA service with no active loan at the time of registration this determines if the customers will be able to meet their financial obligations and manage their financial obligations.
3. Age Legality
To be eligible for an M-KOPA phone, a customer must be 18 years and above. This is in line with the legal age requirement in Kenya.
4. Provision of Next of Kin Details
It is a must for every customer to provide contact details for next of kin at the time of registration. This will be used as alternative contact information in cases of default payment.
READ: M-PESA PayPal Withdrawal: A Step-by-Step Guide(2023)
Conclusion
M-KOPA Mobile Service has been a game changer in the ownership of smartphones towards boosting the digital space. The Service offers various models of Smartphones to low-income earners through a credit facility at affordable prices with flexible payment plans.
Currently, the company provides only two mobile brands, Samsung and Nokia, but plans to expand to other brands to meet their customers’ needs.
FAQs
1) How Do I Qualify for an M-Kopa Phone?
- Visit an M-Kopa shop or outlet with your National ID.
- Pay the deposit for your preferred phone model, and you will be issued upon complete registration.
- You must choose an affordable daily, weekly, or monthly payment plan for one year to complete the loan.
2) Which phones are available on M-Kopa?
M-KOPA offers a range of branded mid- to high-end Samsung and Nokia 4G smartphones. They include the Nokia C21, Samsung A03, Samsung A13, Samsung A23, Nokia X10, Nokia C21 plus, Samsung A04E, Samsung A04S, Samsung A03 Core, Nokia G21, Nokia C31 etc.
3) Where can I Get an M-Kopa Phone?
You can get an M-Kopa phone is available at all M-KOPA stores or outlets. All you need to do is visit the M-Kopa outlet with your National ID and choose your preferred phone and payment plan. Then pay the deposit, and you will be issued with the phone.
4) What happens when one fails to pay MKOPA phones?
If one fails to fulfil their payment obligations, including keeping current on their Credit Payments, their phone will be deactivated until they are in their payment plan again.
In case of default, their credit history may be reported to a credit reference bureau, and they may not be eligible for Additional Products and services from M-KOPA.
5) Does Safaricom own M-KOPA?
M-KOPA is an independent company with no affiliation to Safaricom. However, it has partnered with Safaricom to offer Smartphones to their customers.
