Lipa Pole Pole: how our flexible payment plan works
Deposit, instalments, and exactly what happens if you miss one. No small print.
GadgetDeals KE · 20 Nov 2025 · 4 min read
Lipa Pole Pole lets you spread the cost of a phone over up to three months. Here is the whole thing.
The structure You pay a deposit of at least 40% of the phone price. The balance is split into equal weekly or monthly instalments over your chosen term of one, two or three months.
What it costs A one-off facilitation fee is added to the total and shown clearly before you commit. There is no compounding interest and no charge that appears later. The total you will pay is displayed on a single line at checkout before you agree to anything.
When you get the phone On plans of one or two months, the phone is delivered once the deposit clears. On three-month plans, delivery follows the deposit plus the first instalment.
If you miss an instalment We call you. There is a seven-day grace period with no penalty. Beyond that, a late fee applies, and it is a fixed amount rather than a percentage. We do not repossess phones and we do not list customers with credit reference bureaus for this product.
Settling early You can clear the balance at any time with no early-settlement charge. Any unused portion of the facilitation fee is refunded pro rata.
Eligibility A Kenyan national ID, an active M-Pesa line registered in your name for at least six months, and one reference contact. Approval usually takes under an hour during business hours.
Still deciding?
Answer six questions and we will shortlist the phones that actually fit your budget and priorities — including what is weaker about each one.
Help me choose