Lipa Later Review | Get Your Preferred Phone on Credit

Admit it!

You really need a new phone but can’t afford it in cash.

In fact you’d sell your left kidney to get the Huawei Met 20 pro, an iPhone X or OPPO F9 if you had the guts.

But who’s buying Kidneys?

Forget that!

What if I told you that there is a simple way to get either of the phones, furniture or even the best of Samsung electronics on a 12 months payment plan?

OK. Let’s rephrase that – you can now get the electronics that you love and pay for them in comfortable monthly installments. The facility is a rare service by Lipa Later Kenya.

Have you heard about it – anywhere?

Well, it doesn’t really matter because if you are totally green about this service, you will learn about it in this post. And if you have used it before, this is a great place to grab a few other important stuff you didn’t already know about the service.


What is Lipa Later?
Lipa Later Review Kenya 2019.

Lipa later is a Visa enabled credit card that can be used to access goods and services at any Visa enabled merchant.

You are then required to pay back for that service or product over 12 months in affordable installments.

To put this to perspective , you could buy a phone worth Ksh 10,000 and pay something like 1K a month over 12 months. Isn’t that a service you’d love to use?

Currently the service is available in Rwanda and Kenya.

How Lipa Later Works

To access the lipa later service you can either visit their website or walk in to any of their partner stores.

This is also the stage where you are supposedly informed of how much you qualify for.

If you opt to visit the partner store, you will be given a physical form to fill and be notified of all requirements needed. After you’ve submitted the requirements, wait for approval from lipa later.

Once you have been approved, collect your item, start making monthly payments

Requirements Needed When Applying For Lipa Later

If you are salaried you will be asked to submit your latest Mpesa statements for at least 6 months. In isolated cases you are asked for your payslips for 3 months.

Also note that this service only accepts salaried people who earn at least Ksh. 35,000

On the other hand, business people are required to submit 6 months Mpesa statements and 6 months bank statements.

Use this USSD code to get Mpesa statements *234#> reply with 2 >then 1 then confirm that you need statements for 6 months. The requested Mpesa statements will be sent to your email.

Forward the statements to

Or send them to –


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Lipa Later Fees And Interests

When joining you will pay Ksh. 1000 for the credit card and an annual fee of 8% on your credit limit.

Note that this joining fee is a one off fee for the physical card. However, the annual fee is a recurring amount payable on the same month every year given the card is still active.

The Lipa Later interest rate is constant at 4% of the amount spent.


How Long Does it Take To Receive My Lipa Later Card

You will receive your card in 3 – 5 working days after paying the joining fee.

Proceed to buy the product of your dreams and begin paying a month after you get the product.

Interestingly, you can get another product after paying up to 75% of your first debt.

This card can also be deactivated if you do not use it for more than one month.


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Lipa Later Partners – Get Oppo, Samsung and Tecno Phones on Credit

1. Tecno For Lipa Later Phones

2. Samsung for Lipa Later Electronics

3. Sony For Lipa Later Electronics

4. Gadget World for all Lipa Later gadgets

5. Start Times

6. Furniture Elegance

Among other furniture, electronics and gadget stores.


Lipa Later Offices And Contacts For Partners

Daykio plaza, Office suite 1.6
Ngong Lane, Ngong Road
P.O. BOX 43537 – 00100 Nairobi

Palm Breeze Apartments, Office No. 5 (Solian)
Links Road, Nyali, Mombasa

  • Phone: 0709 684 000
  • Email:
Lipa Later Contacts For Clients

Phone:  0709 684 000


Lipa Later Registration   Lipa Later App

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