Mogo Phones in Kenya: Affordable Smartphone Solutions for All
In a world where mobile phones are no longer a luxury but a necessity, Mogo Kenya has emerged as a key player in providing affordable smartphones to millions of Kenyans. Known primarily for its vehicle and logbook financing services, Mogo has expanded into the smartphone market, offering flexible, customer-friendly financing options for mobile phones.
If you are considering getting a smartphone in Kenya but are concerned about the upfront cost, here’s everything you need to know about Mogo phones in Kenya.
Table of Contents
What Are Mogo Phones?
Mogo phones refer to smartphones that are sold under Mogo Kenya’s financing program. Instead of paying the full price upfront, customers can acquire a phone by paying a small deposit and spreading the balance over several months in manageable installments.
Mogo partners with major smartphone brands like:
- Samsung
- Tecno
- Infinix
- Itel
- iPhone
- Xiaomi
This wide selection ensures that customers from different income levels and with varying tech preferences can find a device that suits their needs.
How Mogo Kenya Phone Financing Works
- Choose a Phone: Visit a Mogo branch or an authorized dealer to select your preferred phone model.
- Deposit Payment: Pay a small initial deposit (as low as Ksh 1,500 depending on the phone).
- Flexible Installments: Pay the remaining amount in daily, weekly, or monthly installments over 6 to 12 months.
- Receive Your Phone: Walk away with your new smartphone the same day!
Mogo’s process is quick, easy, and requires minimal paperwork. Most times, you only need a national ID, a KRA PIN, and proof of income.
Benefits of Buying a Phone Through Mogo Kenya
- Affordability: Avoid the burden of large upfront payments.
- Access to Latest Models: Get brand-new phones like the Samsung Galaxy A series or iPhone models on a budget.
- Flexible Payment Options: Choose a repayment plan that matches your cash flow.
- Nationwide Availability: Mogo has offices and dealers across major towns and cities in Kenya.
- Minimal Requirements: No lengthy bank checks or complicated processes.
Popular Phone Models Available Through Mogo
Here are some of the most popular smartphones Kenyans are buying via Mogo financing:
| Phone Model | Approximate Deposit | Monthly Installments |
|---|---|---|
| Samsung Galaxy A14 | Ksh 2,500 | Ksh 3,500 |
| iPhone 11 | Ksh 10,000 | Ksh 7,500 |
| Tecno Camon 20 | Ksh 3,000 | Ksh 3,800 |
| Infinix Note 30 | Ksh 2,800 | Ksh 3,200 |
| Xiaomi Redmi Note 12 | Ksh 3,200 | Ksh 3,600 |
(Prices vary slightly depending on location and promotions.)
Requirements for Mogo Phone Financing
To be eligible for a phone under Mogo’s plan, you typically need:
- Original National ID
- KRA PIN
- Proof of income (payslip, business receipts, M-Pesa statements)
- A small deposit depending on the phone model
In some cases, Mogo may request for guarantors or additional documentation based on the customer’s profile.
Why Mogo Phones Are a Game-Changer in Kenya
Kenya’s smartphone penetration is growing rapidly, but affordability remains a major barrier. By offering low-deposit, flexible payment plans, Mogo is helping more Kenyans join the digital economy—whether for work, education, or staying connected.
Mogo’s mobile phone financing also supports:
- Entrepreneurs running online businesses
- Students needing reliable access to online resources
- Professionals who require smart connectivity for remote work
- Families upgrading from basic feature phones to smartphones
Frequently Asked Questions (FAQs)
1. Can I upgrade my phone during the repayment period?
Mogo usually requires you to complete your current payment plan before applying for a new device.
2. What happens if I miss an installment?
Late payments may attract penalties or phone blocking, so it’s important to stay on schedule or communicate with Mogo early.
3. Are the phones new or refurbished?
Most phones offered are brand-new unless otherwise stated.
4. Where can I find Mogo offices?
Mogo is present in Nairobi, Mombasa, Kisumu, Nakuru, Eldoret, and many more towns.
Ready to get your dream phone?
Visit your nearest Mogo branch or call their customer care for more information.
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(Just say the word!)
Advantages of Getting a Mogo Phone
Low Initial Cost: Only pay a small deposit to own a phone.
Flexible Payment Plans: Choose a plan that fits your budget.
Access to High-End Phones: Get premium models you might not afford at once.
Fast Approval Process: Walk out with your phone in less than an hour in many cases.
Multiple Brands Available: Freedom to choose a phone that matches your style and needs.
Disadvantages to Consider
Higher Overall Cost: Paying in installments often means you’ll end up paying more than the retail price.
Late Payment Penalties: Missing payments can attract hefty penalties.
Phone Locking: Some phones may come with remote lock features if you default on your loan.
Strict Terms: Failure to comply with terms could lead to repossession of the device.
Is a Mogo Phone Right for You?
A Mogo Phone can be an excellent option if:
- You urgently need a new smartphone.
- You have a stable source of income.
- You prefer paying small amounts monthly instead of a lump sum.
- You are confident you can keep up with payments.
Conclusion
If you have been dreaming of upgrading your phone but were held back by high costs, Mogo Kenya’s phone financing is an excellent option. With flexible payment plans, a wide variety of models, and a simple application process, getting a smartphone has never been easier.
Start your journey to owning a smartphone today with Mogo — Affordable. Fast. Flexible.