4.2
57.2K reviews
1M+
Downloads
Content rating
Everyone
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About this app

The M-KOPA app is designed to help existing customers.

Currently the app supports customers using M-KOPA to finance Samsung and Nokia phones on a Pay-As-You-Go model. From the app you can pay to unlock your devices, see your account balances, and quickly contact M-KOPA.

To login to the app, you will need to be an M-KOPA customer. If you would like information about how M-KOPA can help you get a phone please visit our website: www.m-kopa.com

**In Kenya, M-KOPA customers can get access to cash loans through the app**

Loan amounts: Ksh 4,000-15,000
Repayment period: 105-282 days
Interest rate (monthly): 5.6-9.1%
Interest rate (annual/APR): 67-109%

No fees, no late penalties.

Example: Borrow Ksh 7,000 with a total interest amount of Ksh 3,320 to be repaid over 258 days. The principal amount to be repaid is Ksh 7,000, and the interest amount to be repaid is Ksh 3,320. The interest amount is fixed and won't increase even if the customer's payments are behind schedule or if the customer takes more than 258 days to pay. There are no fees or late penalties charged -- the interest amount is the only cost of the loan.
Updated on
Feb 27, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Financial info, App activity and 2 others
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.2
57.1K reviews
isaac cleophus
March 4, 2026
The app is amazing, it works so well but now the problem comes on the loan. I had a loan of Ksh. 22000, I took the savings that I had to pay the loan in good time, hoping that they will give me another loan with an increased limit. I'm so disappointed in a way that I can't explain, I was simply told that I can't qualify for another loan, I can only be given another phone, what for to be honest. You guys need to be serious just for ones.
1 person found this review helpful
M-KOPA Holdings Limited
March 4, 2026
Dear Isaac, Thank you for your valuable feedback. We apologize for any inconvenience you faced. We are actively working on improvements and would love to hear more from you. In the meantime, please share your details on WhatsApp:0799136761, and an agent will be in touch.
Vincent Kemboi (Mr kings 001)
February 22, 2026
I wish I had an option to rate it negatively. my device failed to open new app even downloaded on play store. upon reaching out to customer care, they insisted on software update but there was no changes. This people keep focusing on new customer only. they forget that we were once new toošŸ¤¦šŸ¤¦šŸ¤¦šŸ¤¦šŸƒ
158 people found this review helpful
M-KOPA Holdings Limited
February 23, 2026
Dear Vincent Kemboi (Mr kings 001), Thank you for your valuable feedback. We apologize for any inconvenience you faced. We are actively working on improvements and would love to hear more from you. In the meantime, please share your details on WhatsApp:0799136761, and an agent will be in touch.
Ndyatunga Simon
February 13, 2026
I am giving one star because my phone can't open new apps because whenever I try to open newly downloaded app, the phone restarts. The only solution is a factory reset yet the reset options are not available. They were disabled by Mkopa. Even after payment, I can't access the full features of my phone. Even the number you have offered is to call for help is off
261 people found this review helpful
M-KOPA Holdings Limited
February 16, 2026
Dear Ndyatunga, Thank you for your valuable feedback. We apologize for any inconvenience you faced. We are actively working on improvements and would love to hear more from you. In the meantime, please share your details on WhatsApp:0799136761, and an agent will be in touch.