In this guide, you will learn about the best M-Kopa phones and prices in Kenya in 2023. You will also learn about their specifications and payment plans to help you to find the perfect device.
What is M-Kopa?
M-Kopa is a fintech company that provides pay-as-you-go (PAYG) asset financing solutions for underbanked customers. Some of the M-Kopa products include solar panels, smartphones, medical covers, fridges, financial services (loans), and more.
How Does M-Kopa Work?
M-Kopa is a company that offers pay-as-you-go (PAYG) financing for products such as smartphones, TVs, and solar panels to low-income and underbanked customers. This model allows customers to acquire phones and pay in small daily or weekly installments over time. If you fail to make your daily or weekly payments, your M-Kopa phone will be locked remotely, and you will lose access to it. The phone locking is done remotely using the Samsung Knox security feature.
M-Kopa Phones and Prices
List of M-Kopa phones available in Kenya:
- Samsung Galaxy A23
- Samsung Galaxy A13
- Samsung Galaxy A04S
- Samsung Galaxy A04E
- Samsung Galaxy A03 Core
- Samsung Galaxy A03
- Nokia G21
- Nokia C31
- Nokia C21 Plus
- Nokia C21
- Nokia X10
Let’s now dive into these M-Kopa phones, their prices, and their specifications.
Related: How to Pay for M-Kopa Phone via M-Pesa in Kenya
M-Kopa Samsung Phones – Specifications and Prices
Samsung Galaxy A23
The Samsung Galaxy A23 is a mid-range smartphone with a sleek design released in March 2022. It has a 6.6-inch TFT V-Cut Display display to help you view sharp and smooth content. It also has a long-lasting 5,000mAh battery and a 50MP quad-camera system to help you capture fantastic photos in great detail.
The phone is powered by a Qualcomm Snapdragon 680 processor to deliver long-lasting and seamless interactions. It also has a microSD card slot for expandable storage.
Samsung Galaxy A23 Specifications
Here are the key specifications of the Samsung Galaxy A23:
| Phone Model | Samsung Galaxy A23 |
| Display | Screen size – 6.6 inches PLS LCD, 90Hz refresh rate Resolution – 1080 x 2408 pixels |
| Battery | Li-Po 5000 mAh, non-removable battery that supports 25W fast charging via type USB Type-C 2.0 |
| Camera | Main Camera – Quad camera system – 50MP main sensor + 5MP ultrawide sensor + 2MP macro sensor + 2MP depth sensor, 1080p@30fps Video Selfie Camera – Single-lens 8 MP, 1080p@30fps Video |
| Dimensions & weight | 165.4 x 76.9 x 8.4 mm, 195g |
| Memory | 4GB RAM, 64GB internal storage expandable up to 1TB with microSD card. |
| Operating System | Android 12, upgradable to Android 13, One UI 5 |
| Connectivity | Wi-Fi 802.11 a/b/g/n/ac, dual-band, Wi-Fi Direct, Micro USB 2.0, OTG, 3.5mm audio jack. |
| Network Technology | 2G/3G/4G |
| Chipset | Qualcomm SM6225 Snapdragon 680 4G (6 nm) |
| Colors | Black, White, Peach, Blue |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by) |
M-Kopa Price for Samsung A23
| Payments Information | Price (KES) |
| Deposit | KES 6,999 |
| Daily Payment | KES 100 |
| Payment Duration | 365 Days |
| Total Price | KES 43,499 |
Samsung Galaxy A13
Samsung Galaxy A13 is a budget-friendly smartphone that was released in March 2022. The phone has a quad camera system, a primary 50MP lens, and 5MP ultrawide, 2MP macro, and 2MP depth options.
Samsung A13 Specifications
Summary of key features of Samsung A13:
| Phone Model | Samsung Galaxy A13 |
| Display | Screen size – 6.6 inches PLS LCD Resolution – 1080 x 2408 pixels |
| Battery | Li-Po 5000 mAh, non-removable battery that supports 15W fast charging via type USB Type-C 2.0 |
| Camera | Main Camera – Quad-camera system: 50MP main sensor, 5MP ultrawide sensor, 2MP macro sensor, 2MP depth sensor, 1080p@30fps Selfie Camera – Single-lens 8 MP, 1080p@30fps Video |
| Dimensions & weight | 165.1 x 76.4 x 8.8 mm, 195g |
| Memory | 4GB RAM, 64GB internal storage expandable up to 1TB with a microSD card. |
| Operating System | Android 12, upgradable to Android 13, One UI 5.1 |
| Connectivity | 2G/3G/4G |
| Network Technology | Wi-Fi 802.11 a/b/g/n/ac, dual-band, Wi-Fi Direct, Micro USB 2.0, OTG, 3.5mm audio jack. |
| Chipset | Exynos 850 (8nm) octa-core processor |
| Colors | Black, White, Peach, Blue |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by) |
Samsung A13 M-Kopa price
| Payments Information | Price (KES) |
| Deposit | KES 5,599 |
| Daily Payment | KES 90 |
| Payment Duration | 365 Days |
| Total Price | KES 38,449 |
Samsung Galaxy A04S
Samsung A04S is a 6.5-inch Samsung smartphone released in September 2022. It is a budget-friendly smartphone that combines essential features and reliable performance in a sleek and compact design. It runs on Android 12 OS, upgradable to Android 13, One UI Core 5, and an Exynos 850 (8nm)octa-core processor.
It also comes with a triple-camera system, with the main camera being 50MP. With a Li-Po 5,000mAh non-removable battery, you will enjoy more extended usage periods without worrying about charging.
To get this phone from M-Kopa, you must make a down payment of KES 4,899 and a daily payment of KES 95 for 365 days. The total cost at the end of the period will be KES 39,574.
Samsung Galaxy A04S Specifications
Let’s delve into the details of the Samsung Galaxy A04S and discover what makes it an attractive choice for consumers.
| Phone Model | Samsung Galaxy A04S |
| Display | Screen size – 6.5 inches PLS LCD Resolution – 720 x 1600 pixels |
| Battery | Li-Po 5,000mAh non-removable battery, that supports 15W fast charging via USB Type-C 2.0 |
| Camera | Main Camera – Triple camera system: 50MP main sensor, 2MP macro sensor, 2MP depth sensor, 1080p@30fps Video Selfie Camera – Single-lens 5 MP, 720p@30fps Video |
| Dimensions & weight | 164.7 x 76.7 x 9.1 mm, 195g |
| Memory | 4GB RAM, 64GB Internal Storage expandable up to 1TB with a microSD card. |
| Operating System | Android 12, upgradable to Android 13, One UI Core 5 |
| Connectivity | 2G/3G/4G |
| Network Technology | Wi-Fi 802.11 a/b/g/n/ac, dual-band, Wi-Fi Direct, Micro USB 2.0, OTG, 3.5mm audio jack. |
| Chipset | Exynos 850 (8nm) Octa-core processor |
| Colors | Black, Green, White, Copper |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Dual SIM (Nano-SIM, dual stand-by) |
Samsung Galaxy A04S Price at M-Kopa
| Payments | Price (KES) |
| Deposit | KES 4,899 |
| Daily Payment | KES 95 |
| Payment Duration | 365 Days |
| Total Price | KES 39,574 |
Samsung Galaxy A04E
The Samsung Galaxy A04E is a budget-friendly smartphone released in November 2022. It has a 6.5-inch HD+ (720 x 1600 pixels) display, a MediaTek Helio P35 octa-core processor, 3GB/4GB of RAM, 32GB/64GB of storage, a 13MP rear camera, a 5MP front camera, and a 5000mAh non-removable battery. The phone runs on Android 12 with One UI Core 4.1.
At M-Kopa Kenya, this phone is offered, and you will get it by paying a down payment of KES 3,300 and daily payments of KES 80 for 365 days. The final cost after the payment period will be KES 32,500.
Samsung Galaxy A04E Specifications
Below are the key specifications for the Samsung Galaxy A04E phone:
| Phone Model | Samsung Galaxy A04E |
| Display | Screen Size – 6.5 inches PLS LCD display Resolution – 720 x 1600 pixels |
| Battery | Li-Po 5000 mAh, non-removable |
| Camera | Main Camera – Dual Camera system: 13MP Main sensor + 2MP depth sensor, 1080p@30fps Selfie Camera – Single-lens 5MP |
| Dimensions & weight | 164.2 x 75.9 x 9.1 mm, 188g |
| Memory | 2GB RAM, 32GB Internal storage |
| Operating System | Android 12, One UI Core 4.1 |
| Connectivity | 2G/3G/4G |
| Network Technology | Wi-Fi 802.11 b/g/n, Wi-Fi Direct, Micro USB 2.0, OTG, 3.5mm audio jack. |
| Chipset | Mediatek MT6765 Helio P35 (12nm) Octa-core processor |
| Colors | Black, Copper, Light Blue |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by) |
Samsung A04E M-Kopa phone prices
| Payment information | Price (KES) |
| Deposit | KES 3,300 |
| Daily Payment | KES 80 |
| Payment Duration | 365 Days |
| Total Price | KES 32,500 |
Samsung Galaxy A03 Core
The Samsung Galaxy A03 Core is a budget-friendly smartphone with good everyday features. It has a large 6.5-inch display, a long-lasting 5,000mAh battery, and an 8MP single-lens main camera. The phone is powered by an Octa-core Cortex-A55 processor, which delivers power efficiency and performance – up to 18% more performance at 15% better power efficiency when compared to its predecessor, the Cortex-A53. It is a good option for those who are looking for a basic smartphone at a low price.
To get Samsung Galaxy A03 Core at M-Kopa in Kenya, you will pay a down payment of KES 3,499 and make daily payments of KES 70 for 365 days. The final cost after the payment period will be KES 29,049.
Samsung Galaxy A03 Core Specifications
Key Specifications of Samsung Galaxy A03 Core
| Phone Model | Samsung Galaxy A03 Core |
| Display | Screen Size – 6.5 inches PLS LCD display Resolution – 720 x 1600 pixels |
| Battery | Li-Ion 5,000 mAh, non-removable |
| Camera | Main Camera – Single-lens 8MP, Video 1080p@30fps Selfie Camera – 5MP |
| Dimensions & weight | 164.2 x 75.9 x 9.1 mm, 211g |
| Memory | 2GB RAM, 32GB Storage expandable up to 128GB via microSD card |
| Operating System | Android 11 (Go edition) |
| Connectivity | 2.4GHz band with Wi-Fi 802.11 b/g/n and Wi-Fi Direct. Micro USB 2.0, OTG, 3.5mm audio jack. |
| Network Technology | 2G / 3G / 4G |
| Chipset | Unisoc SC9863A (28nm) |
| Colors | Black, Blue |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by) |
Samsung Galaxy A03 Core price at M-Kopa
| Payment Information | Price (KES) |
| Deposit | KES 3,499 |
| Daily Payment | KES 70 |
| Payment Duration | 365 Days |
| Total Price | KES 29,049 |
Samsung Galaxy A03
Samsung Galaxy A03 is an entry-level smartphone that was released in January 2022. It offers an affordable option for anyone needing a basic mobile device. To get this phone at M-Kopa, you will pay a down payment of KES 2,499 and make daily payments of KES 40 for 365 days totaling KES 17,099.
Some of the key features include a 6.5-inch display screen, a 5000mAh battery that supports 15W fast charging, and a 48MP Camera to capture stunning photos. The phone is powered by a Unisoc T606 (12 nm) octa-core processor to give you the best gaming performance.
Samsung A03 Specifications
| Phone Model | Samsung Galaxy A03 |
| Display | Screen size – 6.5 inches PLS LCD display Resolution – 720 x 1600 pixels |
| Battery | Li-Po 5000 mAh, non-removable |
| Camera | Main Camera – Dual camera system: 48MP main sensor + 2MP depth sensor, 1080p@30fps video Selfie Camera – Single-lens: 5MP |
| Dimensions & weight | 164.2 x 75.9 x 9.1 mm, 196g |
| Memory | 3GB or 4GB RAM, 32GB Internal storage, expandable up to 1TB via microSD card |
| Operating System | Android 11, upgradable to Android 13, One UI core 5 |
| Connectivity | Wi-Fi 802.11 a/b/g/n/ac, dual-band, Wi-Fi Direct, Micro USB 2.0, 3.5mm audio jack. |
| Network Technology | 2G / 3G / 4G |
| Chipset | Unisoc T606 (12 nm) octa-core processor |
| Colours | Black, Blue, Red |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Main Camera – Dual camera system: 48MP main sensor + 2MP depth sensor, 1080p@30fps Video Selfie Camera – Single-lens: 5MP |
Samsung A03 Price at M-Kopa Kenya
| Payment Information | Price (KES) |
| Deposit | KES 2,499 |
| Daily Payment | KES 40 |
| Payment Duration | 365 Days |
| Total Price | KES 17,099 |
M-Kopa Nokia Phones – Specifications and Prices
Nokia G21
The Nokia G21 smartphone was released in February 2022. It has a 6.5-inch display, runs on a Mali-G57 MP1 processor, and has a 5050 mAh battery. It also comes with a triple camera system with 50MP main camera, and the phone runs on Android 11, which is upgradable to Android 13.
To get Nokia G21 at M-Kopa, you will have to deposit KES 4,899 and pay a daily installment of KES 95 for 365 days. This will add up to KES 39,574.
Key Specifications for Nokia G21
| Phone Model | Nokia G21 |
| Display | Screen Size – 6.5 inches IPS LCD Resolution – 720 x 1600 pixels |
| Battery | Li-Po 5050 mAh, non-removable battery that supports 18W wired charging, PD3.0 |
| Camera | Main Camera – Triple camera system: 50 MP (wide), 2 MP (macro), 2 MP (depth), 1080p@30fps Video Selfie Camera – Single-lens: 8MP, 1080p@30fps Video |
| Dimensions & weight | 164.6 x 75.9 x 8.5 mm, 190g |
| Memory | 4GB RAM, 64GB internal storage |
| Operating System | Android 11, upgradable to Android 13 |
| Connectivity | Wi-Fi 802.11 a/b/g/n/ac, dual-band, Wi-Fi Direct, Micro USB 2.0, 3.5mm audio jack. |
| Network Technology | 2G / 3G / 4G |
| Chipset | Unisoc T606 (12 nm) |
| Colors | Nordic Blue, Dusk |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by) |
M-Kopa Price for Nokia G21
| Payment Information | Price (KES) |
| Deposit | KES 4,899 |
| Daily Payment | KES 95 |
| Payment Duration | 365 Days |
| Total Price | KES 39,574 |
Nokia C31
The Nokia C31 is powered by an Unisoc SC9863A processor, which is a capable processor that can handle most tasks. The phone has 4GB of RAM and 64GB of storage, which is enough for most users. The phone runs on Android 12 Go Edition, which is a lightweight version of Android that is optimized for low-end devices.
To get Nokia C31 at M-Kopa, you will pay a deposit of KES 3,999 and a daily payment of KES 85 for 365 days. This will add up to KES 35,024.
Key Specifications for Nokia C31
| Phone Model | Nokia C31 |
| Display | Screen size – 6.75 inches IPS LCD Resolution – 720 x 1600 pixels |
| Battery | Li-Po 5050 mAh, non-removable battery that supports 10W charging via micro USB 2.0, OTG |
| Camera | Main Camera – Triple camera system: 13 MP (wide), 2 MP (macro), 2 MP (depth), 1080p@30fps Video Selfie-camera – Single-lens: 5MP |
| Dimensions & weight | 169.2 x 78 x 8.6 mm, 200g |
| Memory | 4GB RAM, 64GB Internal storage |
| Operating System | Android 12 |
| Connectivity | Wi-Fi 802.11 b/g/n, Micro USB 2.0, 3.5mm audio jack. |
| Network Technology | 2G/3G/4G |
| Chipset | Unisoc SC9863A (28nm) Octa-core processor |
| Colors | Charcoal, Mint, Cyan |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Dual SIM (Nano-SIM, dual stand-by) |
Nokia C31 Price at M-Kopa Kenya
| Payment Information | Price (KES) |
| Deposit | KES 3,999 |
| Daily Payment | KES 85 |
| Payment Duration | 365 Days |
| Total Price | KES 35,024 |
Nokia C21 Plus
Nokia C21 Plus was released in April 2022. It comes with a 6.52-inch HD+ IPS LCD, and a dual-camera setup, featuring a 13 MP main lens and 2 MP depth sensor. The Nokia C21 Plus runs on Android 11 (Go edition) and offers 3 GB of RAM and 32 GB of expandable storage. With a long-lasting 5,050mAh battery, this smartphone ensures you can stay connected all day.
To get Nokia C21 Plus, you must deposit KES 4,499 and make a daily payment of KES 65 for 365 days. This will add up to KES 28,224.
Nokia C21 Plus Specifications
| Phone Model | Nokia C21 Plus |
| Display | Screen Size – 6.52 inches IPS LCD Resolution – 720 x 1600 pixels |
| Camera | Main Camera – Dual camera system: 13MP Main + 2MP depth, 1080p@30fps Selfie Camera – Single-lens: 5MP |
| Battery | Li-Ion 5,050mAh non removable battery that supports 10W charging via USB 2.0 |
| Dimensions & weight | 164.8 x 75.9 x 8.6 mm, 178g |
| Memory | 2GB RAM, 32GB Internal storage – expandable via microSD card |
| Operating System | Android 11 (Go edition) |
| Connectivity | Wi-Fi 802.11 b/g/n, Micro USB 2.0, 3.5mm audio jack. |
| Network Technology | 2G/3G/4G |
| Chipset | Unisoc SC9863A (28nm) Octa-core |
| Colors | Dark Cyan, Warm Gray |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by) |
Nokia C21 Plus Price at M-Kopa
| Payment information | Price (KES) |
| Deposit | KES 4,499 |
| Daily Payment | KES 65 |
| Payment Period | 365 Days |
| Total Price | KES 28,224 |
Nokia C21
Nokia C21 is a budget-friendly smartphone that was released in May 2022. Key features include a 6.52-inch display, Li-Ion 3000 mAh removable battery, Android 11 (Go edition), and an 8MP main camera.
Nokia C21 has a deposit of KES 3,699 and a daily payment of KES 60 for 365 days. This will add up to KES 25,599.
Nokia C21 Specifications
| Phone Model | Nokia C21 |
| Display | Screen Size – 6.52 inches IPS LCD Resolution – 720 x 1600 pixels |
| Battery | Li-Ion 3000 mAh removable battery |
| Camera | Main Camera – Single-lens: 8MP, 720p@30fps Video Selfie-Camera – Single-lens: 5MP, 720p@30fps Video |
| Dimensions & weight | 169.9 x 77.9 x 8.8 mm, 195g |
| Memory | 2GB RAM, 32GB Internal storage – expandable via microSD card |
| Operating System | Android 11 (Go edition) |
| Connectivity | Wi-Fi 802.11 b/g/n, Micro USB 2.0, 3.5mm audio jack. |
| Network Technology | 2G/3G/4G |
| Chipset | Unisoc SC9863A (28nm) octa-core |
| Colors | Dark Blue, Warm Gray |
| Card Slot | microSDXC (dedicated slot) |
| SIM | Single SIM (Nano-SIM) or Dual SIM (Nano-SIM, dual stand-by) |
Nokia C21 Price at M-Kopa
| Payment Information | Price (KES) |
| Deposit | KES 3,699 |
| Daily Payment | KES 60 |
| Payment Period | 365 Days |
| Total Price | KES 25,599 |
Nokia X10
Nokia X10 is a mid-range smartphone that was released in April 2021. It runs on Android 11, which is upgradable to Android 13, and has a Qualcomm SM4350 Snapdragon 480 5G (8 nm) processor. X10 has a battery capacity 4,470mAh that supports 18W fast charging via USB Type-C 2.0. Other Key features include a 48MP main camera, 4GB/6GB RAM, and an 8MP selfie camera.
Nokia X10 is a large, heavy phone with a 6.67-inch screen with a 60Hz refresh rate display. It comes with a side-mounted fingerprint scanner to lock your phone.
To get X10 at the M-Kopa shop, you will pay a deposit of KES 7,999 and a daily payment of KES 100 for 365 days. This will add up to KES 44,499.
Nokia X10 Specifications
| Phone Model | Nokia X10 |
| Display | Screen Size – 6.67 inches, IPS LCD Resolution – 1080 x 2400 pixels, 20:9 aspect ratio |
| Battery | Li-Po 4,470 mAh, non-removable battery that supports 18W fast charging via USB Type-C 2.0. |
| Camera | Main Camera – Quad Camera system: 48MP main, 5MP ultrawide, 2MP macro, and 2MP depth. 1080p@30fps Video Selfie Camera – Single-lens 8MP, 1080p@30fps Video |
| Dimensions & weight | 168.9 x 79.7 x 9.1 mm, 210g |
| Memory | 4GB RAM, 64GB Internal Storage |
| Operating System | Android 11, upgradable to Android 13 |
| Connectivity | Wi-Fi 802.11 a/b/g/n/ac, dual-band, Wi-Fi Direct, Micro USB 2.0, 3.5mm audio jack. |
| Network Technology | 2G/3G/4G/5G |
| Chipset | Qualcomm SM4350 Snapdragon 480 5G (8 nm) octa-core |
| Colors | Forest, Snow |
| Card Slot | microSDXC (uses shared SIM slot) |
| SIM | Single SIM (Nano-SIM) or Hybrid Dual SIM (Nano-SIM, dual stand-by) |
Nokia X10 Price at M-Kopa
| Payment Information | Price (KES) |
| Deposit | KES 7,999 |
| Daily Payment | KES 100 |
| Payment Period | 365 Days |
| Total Price | KES 44,499 |
Kindly note that the above M-Kopa phones and prices in Kenya are as of when publishing this article. The prices tend to change from time to time.
How Do I Qualify for an M-Kopa Phone?
1. Walk into a nearby Safaricom or M-Kopa shop with your National ID.
2. Deposit your preferred phone model and instantly walk away with your phone.
3. You needed to make affordable daily, weekly, or monthly payments of one year to complete the loan.
Where Do I Get an M-Kopa Phone?
You can get an M-Kopa phone by visiting any Safaricom store or an M-Kopa outlet with your National ID. Select the phone of your preference and pay the down payment.
Which Phones Does M-Kopa Offer in Kenya?
Some of the phones offered by M-Kopa in Kenya include the following:
1. Samsung Galaxy A23
2. Samsung Galaxy A13
3. Samsung Galaxy A04S
4. Samsung Galaxy A04E
5. Samsung Galaxy A03 Core
6. Samsung Galaxy A03
7. Nokia G21
8. Nokia C31
9. Nokia C21 Plus
10. Nokia C21
11. Nokia X10
Does M-Kopa Belong to Safaricom?
Safaricom does not own M-Kopa. M-Kopa is an independent company that offers pay-as-you-go asset financing to low-income customers.
However, in Kenya, M-Kopa has partnered with Safaricom to offer pay-as-you-go smartphone plans. Safaricom and M-Kopa partnership has enabled low-income and underbanked customers to access the latest technology.
Where is the Headquarters of M-KOPA?
The Headquarters of M-Kopa is located in Nairobi, Kenya, at 21/7 Riverside Paddocks, Off Riverside Drive.
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