I wanted to get a smartphone but didn’t have enough money upfront. Then I heard about Safaricom Lipa Mdogo Mdogo, which lets you pay in installments. At first, I wasn’t sure how to subscribe or qualify.
If you’re in the same situation, here’s a simple step-by-step guide to help you get started.
Quick Answer
To subscribe to Lipa Mdogo Mdogo, dial *544#, check eligibility, choose a device, pay deposit, verify at a Safaricom shop, and start paying in installments.
Step-by-Step: How to Subscribe to Lipa Mdogo Mdogo
1. Dial the USSD code
Dial:
*544#
2. Select Lipa Mdogo Mdogo
Choose the option from the menu.
3. Accept terms and conditions
Opt into the service.
4. Check eligibility
You will receive an SMS showing:
- If you qualify
- Your device limit
5. Choose your device
Select a phone within your limit.
6. Pay deposit
Make the required down payment.
7. Visit a Safaricom shop
Go to a Safaricom shop or authorized dealer for:
- Identity verification (KYC)
- Device collection
8. Start repayment
Pay in:
- Daily
- Weekly
- Partial or full installments
Eligibility Requirements
- Must be on Safaricom for at least 1 year
- Aged between 18 and 75
- Must have a good credit score
Example Devices and Payment Plans
- Neon Smarta – Deposit KSh 500, daily KSh 50
- Itel A60 – Deposit KSh 2,000, daily KSh 100
- Tecno Pop 7 – Deposit KSh 3,000, daily KSh 100
- Nokia C31 – Deposit KSh 5,000, daily KSh 100
Important Notes
- Repayment period: Up to 12 months
- You’ll receive payment reminders via SMS
- Device gets locked if payments delay for 4 days
- Unlock after clearing balance
Extra Tips and Best Practices
- Choose a device you can comfortably repay
- Pay on time to avoid device lock
- Monitor your balance regularly
- Keep your Safaricom line active
- Start with lower-cost devices if unsure
Common Mistakes to Avoid
- Ignoring payment reminders
- Choosing an expensive device beyond your ability
- Missing deposits
- Skipping KYC verification
- Delaying payments
FAQ
Can I get Lipa Mdogo Mdogo without a deposit?
No, a deposit is required before getting the device.
What happens if I miss payments?
Your phone may be locked until you pay.
How long is the repayment period?
Up to 12 months.
Conclusion
Safaricom Lipa Mdogo Mdogo makes it easy to own a smartphone without paying the full amount upfront. As long as you qualify and keep up with payments, it’s one of the most convenient financing options in Kenya.
