Own the phone today.
Pay over time.
A subscriber walks into a partner store, presents a SIM, and walks out with a smartphone. Repayment happens over the carrier — airtime deductions, mobile-money instalments, or a hybrid. We underwrite, we operate, we recover.
Five steps. One smartphone.
Repaid over months, not minutes.
Customer applies
Via USSD, app or in-store kiosk. KYC pulled from the carrier.
We score
The decisioning engine returns approved tenor and instalment in seconds.
Device handed over
Distributor confirms; the phone walks out with the customer.
Auto repayment
Airtime and mobile-money deductions on a schedule, with grace logic.
Loan closes
The customer owns the device outright. Often comes back for the next one.
Smartphones move customers up
the value chain.
We've shipped device financing programmes that have put smartphones into the hands of subscribers paying through familiar mobile-money rails. USSD initiation, SMS-confirmed repayment, automated default management, distributor onboarding tooling, settlement and dispute desks, full audit trails.
- Affordable instalments tuned to recharge behaviour.
- Instant approvals — no paperwork, no branch visit.
- Secure repayments processed natively over the carrier.
- Distributor onboarding and dispute desks operated by us.
