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What is Lipa Later?

Lipa Later is a payment option that allows you unlimited access to products and services as you pay for them over time in affordable monthly instalments.

It also allows retailers to sell their goods and services in affordable monthly instalments to their customers by increasing their purchasing power through Lipa Later. 

How does Lipa Later work?

  1. Sign up here to get a credit limit. 
  2.  Shop from our retail partner stores.
  3.  Start paying after 30 days.

What can I buy?

We’ve partnered with over 500 stores so you can pay overtime for the things you love from phones, laptops, furniture, home appliances, motor vehicles amongst others. Check out our Partners.

What do I need to start?

All you need to do is Sign Up and send us your M-Pesa statements for the last 6 months.

Where is Lipa Later available?

We are currently available across Kenya, Nigeria, Uganda and Rwanda.

How do I Sign Up for Lipa Later?

5 Easy Steps
  1. Click My account on the top right corner of your screen and select ‘Customer’.
  2. Click on ‘Sign Up’, provide some basic information and submit. 
  3. You will receive an email with a link for confirmation.
  4. Follow the link, login and get your pre-approved credit limit instantly.
  5. Submit your Mpesa Statements for the last 6 Months for final approval. 

Where can I Apply?

  1. Through our website
  2. At any of our retail partner stores

Do I qualify if I am paid in cash or MPesa?

Yes, you do. You can sign up here and we will update you on the amount you qualify for.


How long does it take to get approved?

Upon submitting your statements, you should get your credit limit within a few minutes.

What is my Credit Limit?

Your credit limit is the maximum amount you qualify for that you can use to shop from our retail partners. 

How do I check my application status?

Log-in to your Account to check the status of your application.

Do you deliver?

We deliver in Nairobi for free for small items and outside Nairobi for an additional fee. Some of our partners also deliver items either for free or at a fee. Please confirm with us 0709684000.

You can also pick your item either at our partner store or our offices.

What’s next once I receive my Credit Limit?

You can now visit our retail partners and shop within your limit. Just provide the retailer with your Identification Card for processing of the item(s). Once your item(s) are processed, you will receive contract via SMS with the details of the items and the terms. Once you accept, you are free to leave with your item.  

If you do not know what item you want or where to get it from, please call us on 0709684000, our representatives will assist you. 

What is the duration I can pay monthly?

It runs from  2-12 months.

Can I pay earlier? 

 Yes, we will charge you only for the duration you have stayed with the item(s). 

Can I negotiate for the Item price?

Item pricing is at the discretion of our partners however we negotiate on behalf of our customers for better pricing.

Do we consider CRB listed people?

Yes, we do. We check your CRB to determine your creditworthiness, establish the amount you qualify for and approve on a case by case basis.

What are the products that you offer?

1. Lipa Later Electronics & Furniture.

We offer financing for electronics and furniture. See the list of some of our retail partners here. 

2. Lipa Later Motor.

We offer 100% financing for motor vehicles. For a list of our dealership partners, please call us on 0709684000. To sign up, click here

3. Lipa Later Insurance.

We offer annual insurance for all your electronic devices, whether or not they have been bought through Lipa Later. Click here to sign up. 

When do I start making my monthly payments?

You start paying for the item 30 days after you receive it. We will send you an SMS notification on when the payments are to be made and the amount due.

How do I check my balance, make payments and what I have paid so far?

Login into your Account section on the top right corner of your screen

  1. Sign in to your Lipa Later account.
  2. Click on Wallet to see your balance, what you have paid and your due date.
  3. Select ‘Make Payment’ to pay your monthly instalment. 

How do I make my monthly payments?

You can make your payment through your Account or pay directly through our M-Pesa Paybill No. 174199, Account Number LP.

Can my balance reduce if I offset my loan before the agreed period?

Yes, we will charge you only for the duration you have stayed with your item(s)

Who do I speak to regarding adjusting my repayment plan?

Kindly write to us through for assistance or call us on 0709684000.

How can I become a partner?

To become a partner please sign up here

What items do you finance?

We finance Electronics, Furniture, Home & Living products, Motor Vehicles, FMCG among others. To find out whether we can finance products not mentioned here, please send an email to or call us on 0709684000.

What are the benefits of partnering and selling with Lipa Later?

We are the leading product and service financing company in East Africa with over 500 trusted and registered partners across Kenya and Rwanda. We offer;

  • Increase in Sales
  • Marketing Support
  • Customer Retention
  • Brand Visibility 
  • No Risk

What do you charge me as a partner?

We do not charge our partners any commission. Partnering with us is free. 

Are you available only in Nairobi?

No, we are across Kenya, Uganda, Nigeria and Rwanda. 

Which other companies are you currently working with?

We have 500 partners please click here to view some of the featured ones. 

Most frequent questions and answers

Using Lipa Later is simple and easy.

We’ve partnered with over +300 stores so you can pay over time for the things you love

Browse through the ‘Where to Shop’ section to find the right item for you

We need your MPesa statements for the last 6 months. If you are employed, we may require your last 3 months payslips.

  1. Please dial *234*5*1#
  2. Select ‘Change E-Mail’
  3. Enter new email as
  4. Confirm your email address as
  5. Once complete, dial *234*5*1*1*2# to send your MPesa statements directly to Lipa Later

For further assistance, please call 0709684000

No we do not. We’ve partnered with over +300 stores where you can shop.

We purchase the item directly for you and thereafter we will either have it delivered to you or you can pick it up

No. We have prequalified suppliers to ensure quality products and services.

We share a contract via SMS for acceptance and we will deliver or you can pick up your item in the next 24 hours.

It takes 24 hours or less

We are currently available in Nairobi, Mombasa, Kisumu and Rwanda

You start paying for the item once you receive it. We will send you SMS notifications on when the payments are to be made and the amount due.