M-Kopa Loans in 2023: The Ultimate Guide to Phone Loans, Cash Loans, PayBill, and Customer Care

Discover M-Kopa Loans in 2023, including how to apply for phone and cash loans, the repayment pay bill, and the best ways to contact M-Kopa customer care.

Apr 10, 2023 - 15:44
Jul 3, 2023 - 14:58
M-Kopa Loans in 2023: The Ultimate Guide to Phone Loans, Cash Loans, PayBill, and Customer Care
M-Kopa Loans in 2023: A Comprehensive Guide to Phone, Cash Loans, PayBill, and Customer Care

M-Kopa, a renowned digital lender, has been instrumental in transforming lives, particularly in Africa, by providing accessible and convenient loan services to millions of underbanked individuals. M-Kopa offers many loan products, including smartphones, cash loans, and solar products, all with customizable payment plans. This comprehensive guide aims to elucidate the process of applying for M-Kopa loans, making repayments, and contacting customer care.

Understanding M-Kopa Phone Loans

Is your phone slowly giving up the ghost, and you're short on cash to replace it? M-Kopa has your back. Their Phone Loan plan enables you to acquire a new smartphone with minimal deposit and manageable daily payments.

How to Repay M-Kopa Phone Loans

Repayment is as simple as ABC. You can make your payments via M-Pesa by following these straightforward steps:

  1. Go to the M-Pesa menu
  2. Select Lipa Na Mpesa
  3. Choose Pay Bill
  4. Enter M-Kopa's business number (333222)
  5. Input your registered account number
  6. Enter your repayment amount
  7. Input your Mpesa PIN and hit 'Send.'

Consequences of Defaulting on M-Kopa Phone Loans

M-Kopa keeps a keen eye on your device usage and payment history. Should you fail to make timely payments, M-Kopa reserves the right to deactivate your phone until your payment is made. This penalty applies to other M-Kopa products like M-Kopa Solar and M-Kopa Television.

How to Apply for M-Kopa Cash Loans

Also known as SOLAPESA, M-Kopa offers cash loans ranging from KES. 5,000 to KES. 7,000 to existing customers with a good repayment record. To apply, follow these steps:

  1. Ensure you have a good repayment history with M-Kopa
  2. Send 'Loan' to 22624 and wait for a response from M-Kopa
  3. M-Kopa customer care will inform you if you qualify for the loan

Contacting M-Kopa Customer Care

If you have queries or need assistance, M-Kopa customer care is available daily from 7:00 am to 11:00 pm. Reach them through:

  1. MTN: 0323522000
  2. Airtel: 0200522000
  3. SMS Line: 7778
  4. WhatsApp: +254799136761

READ ALSO: Equity Bank Kenya Loans and interest rates


M-Kopa has revolutionized financial services by providing accessible and affordable loan services to millions across Africa. Whether you need a new smartphone or a cash loan, M-Kopa has a solution. This guide gives you the information you need to make the most out of M-Kopa's services in 2023.


What is M-Kopa?

M-Kopa is a digital lender that provides loan services to underbanked individuals across Africa.

How do I repay my M-Kopa phone loan?

You can repay your M-Kopa phone loan using M-Pesa via Pay Bill number 333222.

What happens if I default on my M-Kopa phone loan?

If you default on your M-Kopa phone loan, the company reserves the right to deactivate your phone until you pay.

What is the maximum amount I can borrow from M-Kopa's SOLAPESA cash loan?

As of 2023, you can borrow up to KES. 7,000 from SOLAPESA, depending on your repayment history with M-Kopa.

How can I contact M-Kopa customer care?

You can contact M-Kopa customer care through their MTN line 0323522000, Airtel line 0200522000, SMS Line 7778, or WhatsApp number +254799136761.

What are the operating hours of M-Kopa customer care?

M-Kopa customer care is available daily from 7:00 am to 11:00 pm.


M-Kopa has grown significantly, improving the lives of many underbanked individuals across Africa. Their flexible loan options and efficient customer service make them ideal for anyone looking to get a loan for a phone, cash, or solar products. Always remember to borrow responsibly and adhere to the fixed payment schedules to avoid penalties and improve your chances of getting higher loans.

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Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.