Protect yourself from scams! M-KOPA will never ask you to pay a fee or deposit when you apply for a cash loan. Legitimate M-KOPA cash loans are only available through the M-KOPA app. Please report any suspected scams to M-KOPA’s customer care line at 0707333222.



M-KOPA gives you more than a phone. Unbox a sleek and modern design just for you.

*Device only available in Kenya
New markets coming soon.

Unlock progress with a fair and flexible payment plan

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    Medical Cover

    Protect your health and your wallet. Get fast access to M-KOPA Hospicash coverage for peace of mind and financial security.

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    Unlock access to cash loans with your M-KOPA smartphone fast and hassle-free.

  • Ampersand Image


    Effortlessly conquer any terrain with the power and convenience of the Ampersand Mid Drive electric motorbike.  Fast and easy battery swaps ensure you never miss a business opportunity.

  • Roam Electric 7

    ROAM Air

    Experience the thrill of the ride with an eco-friendly twist with a Roam Air electric motorbike.  Designed and built right here in Kenya, you can charge easily from anywhere, including your home.

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    M-KOPA e-voucher

    Access Copia products through the M-KOPA e-voucher instantly and get any household, food and construction materials at the click of a button.

How M-KOPA Works

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

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Make a deposit
and instantly take
home the latest

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Make easy
daily, weekly
or monthly

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Own your
smartphone 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
Life was very difficult. I was very sick and was admitted in hospital from an injury. As I was thinking how I will go back home, I got the good news about M-KOPA's Hospicash medical cover and it's through this that I managed to come back home."
Bernard Munyendo
Sales Agent, Kakamega, Kenya.