Buy Moko, Pay Flexible Installments

At Moko, we believe that every Kenyan deserves to enjoy high-quality and affordable furniture. This is why we have partnered with the best product financing companies to allow you to reserve your Moko product and pay for it in convenient installments.

Currently, we have partnered with:

  • Flexpay a.k.a lipia polepole
  • Lipa Later
  • Aspira a.k.a lipa baadaye

A Brief Overview of Each option

Before we get into the details of how to take advantage of each of the aforementioned product financing options, here’s a quick snapshot of what to expect from each of them:

Flexpay (Lipia Polepole) Lipa Later Aspira (Lipa Baadaye)
0% interest for all purchases. Each purchase attracts a 4.2% interest on the principal amount. Purchases attract a 3 to 7% monthly interest on the principal amount.
Maximum payment period is 90 days.

We’ll deliver your Moko product once you complete payments.

Maximum payment period is 12 months. 

Once the purchase is approved, you will own your Moko product and pay for it later.

Maximum payment period is 12 months. 

Once the purchase is approved, you will own your Moko product and pay for it later.

A minimum deposit of only Ksh. 500 is needed to get started. No minimum deposit required. Start making payments 30 days after placing your order and getting mokofied.  If you are a return client, you can start making payments 30 days after placing your order and getting mokofied.

For first-time users, a 10% initial deposit is required. You’ll also pay a credit protection fee upfront (3% x loan amount + interest)

No CRB checks required. The service provider will also run a CRB check as part of their due diligence to ascertain your creditworthiness. The service provider will also run a CRB check as part of their due diligence to ascertain your creditworthiness.
The application process simply requires your full name, email address, phone number and your initial deposit (a minimum of Ksh. 500). The registration process basically requires your personal details such as your full name, phone number, ID number and date of birth.

For final approval, you’ll also need to submit your mobile money statements for the last 6 months.

The registration process simply involves providing your personal details: email address, phone number and ID number.

You’ll also need to submit your latest payslip, bank statement, MPESA statement, and a copy of your National ID/passport.

Loan limit is based on a personal choice of how much you can afford to settle within the stipulated 90 days. Loan limit is assessed based on your income and mobile money/bank statements. Loan limit is calculated based on your current income, average expenses and other financial commitments such as debts.

Now we move on to the part where we use our psychic powers to foresee questions you have on your mind regarding each of the three product financing options we’ve partnered with.

Lipia Polepole (Flexpay) Payment Option

Flexpay allows you to pay for your product and collect it once you finish making payments.

😃Start with Ksh. 500 minimum deposit.

😃Pay the rest within 90 days.

😃At 0% interest.

Okay, how do I get started?

There are two ways to reserve your dream Moko item: via our website or using a USSD code.

a) Via our website

  • Click on the product you’d like to buy (e.g. 5×6 Moko mattress)
  • Choose the other particulars such as color, fabric type or mattress size.
  • Select the quantity you wish to buy, then click the Lipia Pole Pole button.
  • Enter your full name, contacts and initial deposit (minimum is Ksh. 500).
  • Once you make a booking, you will receive a text message prompting you to process the stated deposit to the Mpesa till number 700164.

b) Using a USSD code

  • Dial *384*30#
  • Select option 4 to add a product. The minimum initial deposit on any product is Ksh. 500.

Um, how do I settle the remaining amount?

Dial *384*30# whenever you like to make subsequent payments or check your booking balance. Once you reserve your dream product, you have 90 days to finish making payments. There is no limit to the amount you can pay on each installment or the number of installments you can pay.

So what happens once I complete making payments?

Once you receive a message that you have settled the full amount for the reserved item, please contact us. One of our smiley customer care agents will verify this, place your order and help you to schedule a delivery. Pssst! We offer FREE mattress delivery within Nairobi. (Sorry, we couldn’t help but scream out the free part.) Deliveries outside Nairobi incur an extra charge depending on the item and location.

Unless one of our customer care agents advises otherwise, you can expect to be united with your comfy Moko product within 24 – 48 hours upon confirmation of full payment. For sofas, production will begin immediately full payment is verified and you will receive your new cozy sofa within 1 to 2 weeks.

And can I get a refund?

Absolutely. You can contact us to cancel your reservation at any point and request a refund. It takes a week to process your refund and payments are only made on Wednesdays or Saturdays.

Lipa Later Payment Option

Lipa Later basically translates to “pay later” and that’s exactly what this option offers. It allows you to own your Moko product and pay for it later and in convenient installments while you continue to enjoy that mokofied life.

Tell me more: how can I sign up for Lipa Later?

First, visit https://app.lipalater.com/ke/customer/signup?ref=MokoWebsite where you will register by providing your personal details. Upon registration there are two outcomes likely to occur:

a. If you are employed, the registration details will be verified swiftly and a credit limit availed almost immediately.

  • However, the loan application can also be rejected once the data provided is analyzed. This means no credit limit can be accorded to you and you cannot purchase via Lipa Later at that time.

b. If you are a business owner, the registration details will be verified within 24 hours. You will receive a phone call from a Lipa Later agent requesting you to provide various verification documents.

  • In this situation, there are two possible outcomes: either your application is approved and a credit limit is granted or the application is rejected and you cannot purchase via Lipa Later at that time.

Aah, I see. And how do I start shopping?

Once the registration is successful and you are aware of your credit limit then you can proceed to shop for items by logging into http://hub.lipalater.com

There you’ll get a dashboard with various shops and items. Browse to locate the Moko item(s) you currently have a crush on and add them to your cart.

Fill in all the details then proceed to save the items, if successful you will receive a text message with a USSD contract so that you can accept or decline the terms.

If you confirm that this is a match made in heaven and accept the terms & payment plan then the Moko agent will proceed to complete the order and generate the pick-up code, which will be sent to your phone.

Once you send the code to the Moko agent serving you, they will complete your order and get you sorted with delivery. Did we mention that we offer free next-day delivery on all Moko mattress sizes? Oh, we did? Well, it felt like a good time to remind you.

Aspira Payment Option

With Aspira, you also get to order, go home with your new Moko product and live happily ever after with your as you pay for it later in convenient installments.

So how do I get started?

Once you set your eyes on the Moko product you would like to own, go ahead and download the Aspira app to register and apply for the amount needed. The app is available on both Apple Store and Google Play.

To register and find out if you qualify for the amount needed to make the purchase, you’ll need to fill out a few details. These will include your financial details and supporting documents such as your latest payslip, bank statement, MPESA statement, as well as a copy of your National ID/passport.

From there, you’ll need to confirm your terms by signing the financing contract and paying credit protection fee through Pay bill No 711136 and your ID number as your account number.

Yay, now how do I shop?

At this point, a Moko agent will get in touch to place your order and organize for the delivery of your product. You will start paying convenient monthly installments 30 days starting the date you ordered.

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There is it folks! Those are our three product financing options that we have partnered with to help you enjoy Moko’s high-quality furniture and mattresses at affordable and convenient rates.

Hold up, are there any hidden fees in any of these options?

Definitely not. All the charges you’ll incur are well stipulated in the sections above.

Do I qualify for the warranty?

Totally! Regardless of the payment option you choose, your Moko mattress comes with a whopping 5-year warranty. This means we can replace it for you if it develops sleep-depriving issues such as sinking more than 0.5 inches within the 5 years.

Cool, take me to your shop now.

Finally😃! We thought you’d never ask. Select any of the following product categories to start shopping:

If you have any more questions and would like to speak to one of our smiley customer care reps, call/WhatsApp us on 0701 61 61 61 or visit any of our showrooms.