We Finance Progress

We offer fair and flexible financing to help you achieve progress

M-KOPA Ghana Customer

Unlocking progress at scale

Cumulative Customers


Active Sales Agents

active sales


$1 Billion
credit deployed
to the


digital payments processed per day

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We are a connected financing platform that serves the financially excluded

We believe that everyone should have the power to achieve progress in their lives and M-KOPA’s solutions unlock this power. Our financial offerings are designed for the realities of the financially excluded, tested and improved through a decade of experience, and proven through the successful repayment of millions of customers.

Cta Example

Available in 5 countries, with more coming soon…

How M-KOPA Works

Access products and services that unlock progress in your life in 4 easy steps!

M Kopa Iconography Instantaccess

Make a deposit
and instantly take
home the latest

M Kopa Iconography Payeasy

Make easy
daily, weekly
or monthly

M Kopa Iconography Owneasy

Own your
product and
build a credit history
with M-KOPA

M Kopa Iconography Upgrade
Unlock access to a
wider range of M-KOPA
products and services

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Before I got my smartphone, my chicks were dying. Now, I send photos to the agrovet and he helps by giving advice and telling me medicines to buy. Now, my chicks all live!
Grace Mutheu
Customer in Machakos, Kenya
I use the M-KOPA phone to promote my business through digital marketing, and as a result, my business income has increased. I stay in touch with family too.
Jonathan Antwi
Customer in Accra, Ghana
Once I got a smartphone, I could sign up for ride-hailing apps. I earn so much now I have bought my own bike and I’m saving for a second to rent to another rider!
Abdulah Bakibisemyu
Customer in Kampala Uganda