All You Need to Know About the New M-KOPA X20 Smartphone

EDITOR’S NOTE: This article is part of our Money254 Partner Series produced in partnership with M-KOPA to mark the launch of their latest device - the M-KOPA X20.

What if your next smartphone could not only connect you to the world but also protect your health and finances? For many Kenyans, owning a smartphone isn't just a luxury—it's a necessity for accessing essential services, education, and employment opportunities. With Kenya's smartphone penetration rate soaring to 67% as of March this year, the demand for affordable, high-quality smartphones has never been higher.

In a country where a smartphone is a lifeline to education, job opportunities, and essential services—the high upfront cost of a quality device can be a daunting barrier for many Kenyans. Enter M-KOPA, a pioneer in smartphone financing in Kenya, commonly known as lipa pole phones. Since launching Pay-As-You-Go (PAYGO) smartphone sales in 2020, M-KOPA's approach of offering affordable, flexible financing options accessible to all Kenyans, even those with no credit history, has made them empower over 3 million customers to access smartphones.

Now, with the launch of the all-new M-KOPA X20, the brand is once again setting the standard. This revolutionary device isn’t just a phone—it’s a comprehensive solution offering medical insurance, device protection, free data bundles, and access to M-KOPA cash loans, all at no extra cost. In this article, we’ll dive deep into why the M-KOPA X20 is More Than a Phone—it's a game-changer for millions of Kenyans.

Budget friendly Access to the Latest Tech: How M-KOPA's Financing Model Works

M-KOPA’s smartphone financing model is designed to be budget friendly and match the way customers' earn their income, with affordable daily repayments making it accessible. With an initial deposit—starting as low as Ksh3,100—you can get your hands on a brand-new smartphone. The remaining balance is then spread out over manageable daily instalments, which can be as low as Ksh71 per day, paid over a fixed period of 365 days. Important to note is that M-KOPA periodically reviews and updates its terms and conditions which may result in adjustments in the deposit fee or instalments from time to time. 

Also read: Is the M-KOPA X20 Really Value for Money?

This model not only allows you to acquire the latest smartphone with an affordable and flexible payment plan but also helps you avoid going offline, taking out an expensive personal loan, or dipping into savings earmarked for other purposes. 

M-KOPA began and continues to lead the industry by offering high-quality smartphones from reputable brands like HMD (formerly traded using the Nokia brand name) and Samsung. Recognising the growing demand for devices tailored specifically to their customers' needs, M-KOPA has now taken their service to the next level by launching the new M-KOPA X series—smartphones exclusively designed by M-KOPA to deliver unmatched  quality, performance and durability.

M-KOPA’s repayment model is designed to match the way customers make their income through enabling device ownership through affordable daily payments. Owning a smartphone that fits your lifestyle has never been easier. Next, let’s explore what makes the new M-KOPA X20 stand out in today’s competitive smartphone market.

Introducing the M-KOPA X20 Smartphone

The M-KOPA X20 is more than a phone; it’s a game-changer for those seeking quality and reliability from a budget friendly smartphone.  It combines digital financial services empowering you to do more and live more with your smartphone. Furthermore, it has a modern, sleek design with powerful features, making it an excellent choice for anyone upgrading their device. This smartphone isn’t just about staying connected; it’s about empowering you with technology that allows you to be more and do more. 

Here’s a closer look at why the X20 stands out: 

Budget Friendly:

With a deposit ranging between Ksh4,000- Ksh5,000 and daily payments of Ksh92, the M-KOPA X20 is designed to give customers the best value for money with added benefits like Free Hospital insurance from Turaco, making it one of the most budget friendly phones in Kenya. The flexible payment plan allows you to do more - access an affordable device and repay on the same timeline that you make your money. Important to note is that the exact pricing is subject to M-KOPA’s review of each product’s terms and conditions. 

Space and Speed

The X20 is equipped with 6GB RAM, and 256GB - more space to do more without stopping. It operates on Android 14, powered by an 8-core Unisoc T606 processor which allows responsive and seamless multitasking, allowing you to switch between apps effortlessly and store all your essential files without worry. It’s more than a phone. 

Crystal Clear Display:

The 6.5-inch HD+ screen and a 90Hz refresh rate offer an ultra-smooth performance and immersive experience. Whether you're binge-watching your favourite shows or gaming, the X20’s display lets you do more in one view- with stunning visuals to vibrant colours and sharp details. 

Long-lasting Battery:

Worried about your phone dying at the worst possible moment? The X20’s 5000mAh battery provides up to 3 days of battery life so that you can do more - live more and get connected more to your work and to your loved ones. Plus, with 20W fast charging via USB type-C, you can quickly power up and return to what matters most. 

Connectivity:

M-KOPA Dual Nano-SIM slots offer flexibility and convenience for managing both your personal and business numbers, ensuring you stay connected wherever you go.

Wait.... But There's MORE

Free Health Insurance

The M-KOPA X20 is more than a phone. It’s more than the fingerprint sensor, it allows you to take care of yourself. With your purchase, you will receive a free health insurance of up to Ksh30,000 for 12 months. 

This coverage provides a daily cash payout of Ksh1,000 in case you have an overnight admission at any public or private hospital registered by MOH to offer in-patient care, providing a significant safety net for unexpected medical expenses. This helps you save significantly on hospital bills and cushions you from the financial stress that has become synonymous with a medical emergency in Kenya.

Screen and Device Protection 

Protecting your phone from damage or theft has never been easier with the M-KOPA X20, you also enjoy affordable repair services and a seamless replacement policy, ensuring they maintain and safeguard their devices. If your phone is damaged or stolen, you won't be burdened by high repair or replacement costs. 

For example, repairing a damaged screen will only cost Ksh1,000, with M-KOPA covering the remaining costs. If your phone is stolen, replacing it will cost Ksh3,000. This saves you thousands of shillings while ensuring you stay connected. 

Also read: Would You Take an Insurance Cover That Pays You When You Lose Your Job?

Free 4GB Safaricom Data

Stay connected from the moment you unbox your M-KOPA X20.  When you buy the M-KOPA X20, you get a free 4GB Safaricom data package, starting with 1 GB upfront. Additionally, you will get 50 MB of free daily data for the next 60 days, ensuring consistent internet connectivity at no extra cost. You can browse the internet, post your content, engage your audience, and stay updated with news.

Cash Loans Made for You

After three months of on-time payments, you become eligible for mobile cash loans from M-KOPA with quick and easy disbursements straight to your M-PESA account. The M-KOPA loan helps you to do more -to seize business and investment opportunities by accessing bigger and better priced digital loans with flexible repayment terms. And what is more? You do not need long paperwork or security to access these digital loans. 

Get started with the M-KOPA X20

Step 1: Visit the M-KOPA X20 Landing Page

You'll find comprehensive information about the M-KOPA X20 phone, including its specifications, features, financing terms, and benefits.

Step 2: Start the Application

Ready to get your hands on the X20? click on the "Speak with an Agent" or "Ask Your M-KOPA Agent" where you will share your details - your name, phone number, location, and the phone model of interest—in this case, the M-KOPA X20. Bonga na M-KOPA agent kwa WhatsApp ama uwapigie simu kupitia +254 799 136 761

Step 3: Engage with an M-KOPA Agent

Once your application is submitted, you will be connected to an M-KOPA Direct Sales Representative (DSR) who will explain the financing and payment process.

Step 4: Ready for Pick Up

Once you've been informed about M-KOPA's financing model and are comfortable with the payment terms, you're encouraged to visit one of M-KOPA's shops. A DSR agent will then start your onboarding process. To complete this step, you'll need to provide your ID card and a registered Safaricom line.

Step 5:Payment

To finalise your purchase, simply pay the deposit of Ksh4,299. Once your payment is confirmed, the M-KOPA X20 is yours!  Keep your M-KOPA X20 activated by making daily payments of just Ksh95.

Read also: Everyone Was Telling Me What to Do with My Salary, I Ended Up Broke: Money and Me

WRAPPING UP

Since its founding in 2010, M-KOPA has been on a mission to make essential items more accessible to consumers from all walks of life by combining digital payments with mobile technology. Over the years, they have built a strong financing platform, providing about Ksh129 billion ($1 billion) in product financing. 

The new offering, the M-KOPA X20, has revolutionised the smartphone industry in Kenya. It is custom-made with the ordinary Kenyan in mind - and has pioneered the ‘More Than a Phone’ experience with its unique benefits. 

Are you ready to upgrade your smartphone experience and enjoy the benefits of the X20’s affordable and flexible payment plan? Visit the M-KOPA website and start your more than a phone journey.  It’s Never Just a Phone. Always More.