Visit Our Showroom
Nairobi Business Center 1st Floor, Shop A8
Featured Phones
Top picks with affordable daily and monthly payments.
Apple iPhone 13 Pro
Samsung Note 20 Ultra
Tecno Camon 50 Pro 8+256
How It Works
Getting your new smartphone is as easy as 1-2-3.
1. Select Phone
Browse our catalog, pick the phone that suits you, and select your preferred payment plan.
2. Apply & Verify
Submit your National ID and a recent M-Pesa statement for a quick, same-day verification.
3. Collect Device
Pay the initial deposit and walk away with your brand new smartphone immediately.
Why Choose Phonesoncredit?
We make upgrading your device simple, transparent, and hassle-free.
Fast Approval
Get your application reviewed and approved within minutes via WhatsApp or our web form.
Low Deposit
Walk away with a brand new phone today with minimal upfront payment requirements.
Flexible Terms
Choose a monthly installment plan that fits your budget perfectly.
12-Month Genuine Warranty
Rest guaranteed. Every single smartphone we issue is 100% original, brand new, and backed by a full 1-year manufacturer warranty.
Trusted by Thousands Nationwide
Don't just take our word for it. Here is what our verified customers across Kenya have to say about getting their brand new smartphones on credit.
"The phone delivery arrived in time, and has good capacity of storage"
Stephen ngolove
Verified Buyer • Redmi note 15 256Gb 8 Gb Ram
"Quick delivery. I would definitely recommend them to my friends"
Ernest waweru
Verified Buyer • Redmi A7 pro
"I had a smooth experience getting my phone thanks mogo team be blessed"
Brian Mwanzili
Verified Buyer • Infinix hot 60i
"Excellent"
Alice Njenga
Verified Buyer • Infinix hot 60i
"What I love most is how convenient it is you don’t have to wait until you have the full amount. You can get your phone immediately and pay comfortably in installments. This is a huge plus, especially for anyone who needs a smartphone for business, school, or daily communication. Their service is reliable, and everything is well organized. The whole experience feels trustworthy and user-friendly."
Megan Kerubo Onduso
Verified Buyer • Tecno spark 40 pro
"Daamn using a good phone that you cannot afford is top tier!!!"
Agage steve
Verified Buyer • Samsung galaxy s10
Ready to upgrade your phone?
Join thousands of happy customers who got their dream smartphones on flexible credit terms.