You can get your dream smartphone right now and pay later in installments. Based on your financial muscle, the installments can be in 3, 6, or 12 months.

Getting started is simple as you’ve got two options, which are, sign up on Lipa Later or Aspira.

Both of these services will enable you to buy the phone you want without doing credit checks on you.

Using LipaLater to buy a smartphone

Here are the steps.

• Register on its website or visit its partner stores to know your loan worth.
• Submit your M-PESA and bank statements to LipaLater, and wait for your approval.
• Once approved, choose the product you want, go collect it, and start paying your monthly installments.

Buy the latest smartphone and pay later using Aspira

Follow the following steps.

• Visit the Google Play store or the App Store and download the Aspira App.
• Provide your bank statement, M-Pesa statement, or payslip
• Provide a copy of your National ID or passport
• Confirm that you’ve read the terms
• Place a deposit and go get your phone
• Start paying your installments

Both of these services assess your credit worth by checking your current income, average expenses, and other financial commitments.