Safaricom Lipa Mdogo Mdogo Explained Fully in 2024: Eligibility and Best Phones in the Market

Discover how Safaricom Lipa Mdogo Mdogo in Kenya 2024 transforms digital access, making smartphones affordable for all Kenyans with flexible payment plans.

Jan 31, 2024 - 12:15
Jan 31, 2024 - 12:18
Safaricom Lipa Mdogo Mdogo Explained Fully in 2024:  Eligibility and Best Phones in the Market
Safaricom Lipa Mdogo Mdogo Explained Fully in 2024: Eligibility and Best Phones in the Market

 Safaricom's Lipa Mdogo Mdogo, a Swahili term that translates to "pay little by little," is a pioneering program launched in partnership with Google. This initiative is designed to bridge the digital divide by making smartphones more accessible to the average Kenyan, ensuring that technology's benefits are not a luxury but a reality for all. Through this program, users are offered the chance to own a smartphone by making manageable payments over time after an initial deposit. This move towards digital inclusivity is not just about hardware; it's a leap towards empowering Kenyans with information at their fingertips, connecting them to the world like never before​​​​.

Why should you keep reading? Beyond the surface of this innovative payment plan lies a story of transformation, resilience, and the democratization of technology in Kenya. As we delve deeper, we uncover the specifics of the program, such as the eligibility criteria that ensure inclusivity, the diverse range of smartphones available under the scheme, and the real-world impact it has on users. From the bustling streets of Nairobi to the serene landscapes of the Maasai Mara, the Lipa Mdogo Mdogo program is reshaping how Kenyans interact with the digital world. 

READ ALSO:Best Safaricom Bonga Points Phones To Buy In 2024( Earning to Redeeming)

Understanding Lipa Mdogo Mdogo

In an ambitious stride toward digital inclusivity, Safaricom, in collaboration with Google, has unveiled the Lipa Mdogo Mdogo program, a beacon of hope for millions in Kenya seeking affordable access to the digital world. This innovative program is designed to dismantle financial barriers to smartphone ownership, offering a unique pay-as-you-go scheme that encapsulates the essence of flexibility and accessibility. At its core, Lipa Mdogo Mdogo is more than a payment plan; it's a gateway to information, opportunities, and connectivity for those previously marginalized by the digital divide​​​​.

Eligibility Criteria for Customers

To ensure that the benefits of digital inclusion reach those in need, Safaricom has set forth clear eligibility criteria for the Lipa Mdogo Mdogo program. These criteria are designed to target individuals who are most likely to benefit from access to a smartphone, including those currently using 2G or 3G devices, new Safaricom customers, and individuals not listed on the Credit Reference Bureau (CRB) for pending loans. This strategic approach ensures that the program reaches its intended audience, offering a lifeline to digital connectivity for those who previously found it just out of reach​​​​.

The Application Process

The process to apply for a device under the Lipa Mdogo Mdogo scheme is streamlined and user-friendly, reflecting Safaricom's commitment to accessibility. Prospective customers can initiate the application process by dialling *544# from their Safaricom line, following which they are guided through a series of steps to verify their eligibility. Once deemed eligible, customers can select from a range of smartphones, each available at a different deposit and repayment plan tailored to fit various financial situations. This process not only simplifies access to technology but also empowers individuals with the freedom to choose a device that best suits their needs and budget​​​​.

Empowering Kenyans with Affordable Smartphones

The partnership between Safaricom and Google is a testament to the power of collaboration in driving social change. By leveraging Google's technological prowess and Safaricom's extensive network and market presence, Lipa Mdogo Mdogo is set to boost smartphone penetration across Kenya significantly. This initiative aligns perfectly with Kenya's vision of achieving universal access to information and communication technologies, laying down the infrastructure for a more connected, informed, and empowered society​​​​.


Since its inception, the Lipa Mdogo Mdogo program has shown remarkable success in its mission to upgrade Kenyans from 2G and 3G networks to more advanced 4G smartphones. This transition is not merely about faster internet speeds; it represents a leap towards greater economic opportunities, enhanced access to educational resources, and improved communication channels for thousands of Kenyans. The program's impact is quantifiable, with over 500,000 individuals already having made the switch to 4G smartphones, thanks to the accessible financial model provided by Lipa Mdogo Mdogo​​.

Phones Available Through Lipa Mdogo Mdogo

Safaricom's Lipa Mdogo Mdogo program has notably democratized access to technology in Kenya by offering a diverse range of smartphones, making digital inclusion a tangible reality. 

Phone Model Display Storage & RAM Camera Battery OS Deposit (Ksh) Daily Installment (Ksh) Cash Price (Ksh)
Samsung Galaxy A24 6.5", 1080x2340 128GB, 6GB RAM 50MP + 5MP + 2MP 5000mAh Android 13, One UI 5.1 8,449 160 N/A
Nokia C32 6.5", 720x1600 128GB, 4GB RAM 50MP + 2MP 5000mAh Android 13 4,324 85 N/A
Nokia C22 6.5", 720x1600 64GB, 2GB RAM 13MP Dual 5000mAh Android 13, Go Edition 3,574 65 N/A
Samsung Galaxy A04s 6.5", 720x1600 64GB, 4GB RAM 50MP + 2MP + 2MP 5000mAh Android 13, One UI 5.1 4,520 105 N/A
Samsung Galaxy A03 Core 6.5" HD 32GB, 2GB RAM 8MP 5000mAh Android 12, Go Edition 3,800 73 N/A

The Samsung Galaxy A24

At the forefront of the Lipa Mdogo Mdogo offerings is the Samsung Galaxy A24, a device that combines cutting-edge technology with affordability. This smartphone is a testament to the program's commitment to not just offer any device, but to provide future-proof options. With features like a 6.5-inch display, a triple camera setup for stunning photography, and 6GB of RAM for seamless multitasking, it's a top-tier choice for those looking to dive into high-speed connectivity and advanced mobile technology. The Galaxy A24's availability under the program, with a deposit of Ksh 8,449 and daily instalments of Ksh 160, mirrors the initiative's aim to make premium technology accessible to the masses​​.

Nokia's Offering

Nokia C32 and C22 emerge as the champions of affordability within the Lipa Mdogo Mdogo scheme, catering to users who prioritize value for money. The Nokia C32, with its 128GB internal storage and a robust camera, is perfect for users looking for a blend of performance and price, available at a deposit of Ksh 4,324 and daily instalments of Ksh 85. On the other hand, the Nokia C22 offers a more budget-friendly option with 64GB internal storage, catering to those who need a reliable smartphone for basic tasks without breaking the bank, requiring a deposit of Ksh 3,574 and daily instalments of Ksh 65. These models exemplify how the program accommodates various financial capacities while ensuring quality and functionality​​.

Neon Smarta and Neon Ultra

The Neon Smarta and Neon Ultra smartphones are pivotal to the Lipa Mdogo Mdogo program's mission of digital inclusion. Designed with the Kenyan user in mind, these devices offer an optimal combination of essential features at unbeatable prices. The Neon range, with its user-friendly interface and a suite of Google Apps, is perfect for first-time smartphone users or those looking for a secondary device. Their inclusion in the program underscores Safaricom's dedication to ensuring that everyone, regardless of their economic status, has access to the digital world​​​​.

Infinix, TECNO, and itel

The addition of Infinix, TECNO, and itel smartphones to the Lipa Mdogo Mdogo program reflects a deep understanding of the Kenyan market's diverse preferences. Each brand brings its unique strengths to the table, from Infinix's focus on stylish designs and powerful cameras to TECNO's balance of affordability and technology and its emphasis on budget-friendly, functional devices. This variety ensures that every Kenyan can find a device that matches their needs and aspirations, furthering the initiative's goal of widespread digital empowerment​​​​.

Benefits and Challenges of Lipa Mdogo Mdogo

The Lipa Mdogo Mdogo initiative by Safaricom represents a significant leap forward in Kenya's journey toward digital inclusion. This section explores the multifaceted benefits of the program alongside the challenges faced by participants, painting a comprehensive picture of its impact on Kenyan society.

The cornerstone of the Lipa Mdogo Mdogo program is its profound impact on digital empowerment. By providing affordable access to smartphones, Safaricom has opened the door to the digital world for hundreds of thousands of Kenyans. This accessibility is crucial in a world where connectivity is no longer a luxury but a necessity for education, business, and social interaction. The program's success is underscored by the over 500,000 individuals who have upgraded from 2G to 4G devices, showcasing the tangible strides being made towards bridging the digital divide​​.

Smartphones, through this initiative, are not just communication tools but gateways to a plethora of services and information. Users gain access to educational resources, e-commerce platforms, and digital finance services, significantly enhancing their quality of life and economic opportunities. This digital leap facilitates a more informed, connected, and productive society, driving forward Kenya's socio-economic development.

Challenges and Limitations

Despite its successes, the Lipa Mdogo Mdogo program faces its share of challenges. Eligibility criteria, while designed to ensure the program benefits the most needy, inadvertently exclude segments of the population. Individuals with past financial difficulties or those newly acquainted with Safaricom's services may find themselves outside the eligibility bracket, highlighting the need for more inclusive criteria that can accommodate a broader spectrum of Kenyans​​​​.

Payment difficulties represent another challenge for participants. While the program is designed to be flexible, aligning with users' financial flows, unforeseen economic hardships can disrupt the ability to make timely payments. This situation is exacerbated for individuals in informal employment or those reliant on seasonal income, posing a risk of default. While Safaricom provides reminders and attempts to work with customers, the reality of financial instability can lead to participants being locked out of their devices or, worse, listed on the Credit Reference Bureau, further compounding their financial woes​​.

Navigating Through Challenges

Addressing these challenges requires a multi-faceted approach that includes enhancing the flexibility of payment plans, broadening eligibility criteria, and providing financial literacy training to participants. Safaricom's continuous efforts to refine and adapt the Lipa Mdogo Mdogo program are vital in overcoming these hurdles, ensuring that the initiative can sustain its mission of widespread digital inclusion.

READ ALSO: Best Mkopa Phones And Prices In Kenya For 2024: Everything To Know

Frequently Asked Questions

What is Lipa Mdogo Mdogo?

  • Lipa Mdogo Mdogo is a revolutionary program by Safaricom, in partnership with Google, designed to make smartphones more accessible to Kenyans through flexible payment plans. It allows customers to own a smartphone by paying a small deposit followed by daily, weekly, or monthly instalments​​​​.

Who is eligible for the program?

  • Eligibility is primarily for Safaricom customers using 2G or 3G devices, those not listed on the Credit Reference Bureau (CRB) for pending loans, and individuals who have been Safaricom customers for at least six months​​​​.

How can I apply for Lipa Mdogo Mdogo?

  • Customers can apply by dialling *544# and following the prompts to check their eligibility and select a smartphone of their choice from the available options​​​​.

What happens if I miss a payment?

  • Safaricom provides reminders for missed payments. Persistent failure to make payments may lead to the device being locked and, ultimately, the customer being listed on the CRB​​.


The Lipa Mdogo Mdogo program stands as a testament to Safaricom's commitment to bridging the digital divide in Kenya. By making smartphones accessible through manageable payment plans, Safaricom is not just selling devices; it's opening up a world of opportunities for education, business, and connectivity to millions of Kenyans. The initiative's success, marked by over 500,000 Kenyans upgrading to 4G smartphones, illustrates a significant leap towards digital inclusion​​.

However, the journey does not end here. Challenges such as strict eligibility criteria and the risk of financial strain from payment commitments highlight areas for improvement. Safaricom's ongoing efforts to refine and adapt the program promise a future where digital empowerment reaches every corner of Kenya, ensuring that every Kenyan has the tools to thrive in the digital age.

In essence, Lipa Mdogo Mdogo is more than a program; it's a movement towards a more inclusive, digitally empowered Kenya. As we look to the future, it's clear that initiatives like these are crucial stepping stones in the global march towards digital equality, setting a precedent for similar schemes worldwide. The dream of universal digital access is slowly but surely becoming a reality, one smartphone at a time.

Joseph Richard Joseph Richard is a distinguished contributor to, where he leverages his extensive background in finance, business, and technology to provide insightful guides and analyses. With over a decade of experience in Kenya's dynamic market, Joseph has become a trusted voice in helping individuals navigate complex topics with ease. His work, recognized for its clarity and reliability, spans critical reviews, educational content, and comprehensive guides on making informed decisions in finance and business. Joseph's commitment to empowering Kenyans through accessible information underscores his reputation as a dependable and authoritative figure in the industry