Loan Calculator
Plan Your Payments
Select a phone and choose how you want to pay — daily, weekly, six months, or annually.
Payment plan
Select a phone to see your payment breakdown.
Loan breakdown
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Deposit
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Instalment
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Daily rate
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Weekly rate
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Monthly rate
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Total after deposit
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Grand total
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Order this phone
Credit Terms — Good to Know
Common questions about how financing works before you apply.
You remain fully responsible for completing all outstanding instalments even if the phone is lost, stolen, or damaged. We strongly recommend insuring your device as soon as you receive it.
Please contact us as soon as possible if you expect to miss a payment. Continued missed payments without communication may lead to follow-up action, including recovery of the device.
Yes. You can clear your remaining balance at any time with no early-repayment penalty.
The phone remains the property of PhonesOnCredit until the deposit and all instalments are paid in full. Ownership transfers to you once the balance is fully cleared.
A valid National ID and your Next of Kin details. For Samsung and iPhone devices, we additionally require your last 6 months' M-Pesa statement (PDF) and clear photos of both sides of your ID.
Yes, subject to approval and any adjustment to your deposit or instalment plan, as long as the device has not yet been issued.
A short grace period applies. Please reach out to our team if you anticipate a delay so we can advise on your specific plan.
Devices are covered by the manufacturer/dealer warranty terms communicated at handover. Contact us and we'll guide you through the process — you remain responsible for instalments in the meantime.