Phone financing made simple!


We aim to get your asset processed within 20 minutes!


Low down payment with affordable weekly payments for 52 weeks.


No hidden fees; what you see is what you get.

Frequently Asked Questions

Watu Simu aims to provide affordable and flexible financing solutions for a variety of devices in sub-Saharan Africa, including Kenya.

Watu Simu currently finances a select range of Samsung Galaxy smartphones and tablets. The devices have a manufacturer’s warranty period of 24 months. Terms & Conditions apply. 


To qualify for device financing, you need to have the following:


  • An original National ID.
  • No active loans with Watu.
  • Be at least 18 years old.
  • An active mobile money transaction line.
  • Next of kin contact details (the contact must be available/online for verification).
  • A minimum down payment amount for the selected device.



The onboarding process takes approximately 20 minutes, and involves the following steps:
  1. Visit any store where Watu Simu is available.
  2. Select any Samsung Galaxy smartphone supported by Watu.
  3. Get a pre-approval on your application.
  4. Make your down payment.
  5. Wait for the verification process to be completed (5-10 minutes).
  6. Once verified, the phone is activated, and you can leave with your new device!

The following phones are available for financing through Watu Simu:

  • Samsung Galaxy A03 Core
  • Samsung Galaxy A03
  • Samsung Galaxy A13
  • Samsung Galaxy A23
  • Samsung Galaxy A33
  • Samsung Galaxy A34
  • Samsung Galaxy A54
  • Samsung Galaxy S23
  • Samsung Galaxy Tab A7
  • Samsung Galaxy Tab A8

Pay Bill number: 650880

Account number: Borrower’s National ID number.

If your weekly payment was not made on time as per the loan agreement, the phone will be locked. To unlock your phone, please make an immediate payment to the following Pay Bill number: 650880.

If the device is not due for payment but has been locked, it means that it has been away from an active internet connection or the network for an extended period of time.

For further assistance, contact the Watu Simu Customer Care team: 0800 722 245.

For any phone service related queries, please reach out to the Watu Simu Customer Care team: 0800 722 245.

The team will direct you to the nearest authorised service centre where you can be assisted for service/maintenance of the phone.

Kindly contact Customer Care and inform them about the stolen/lost device. Ensure you also obtain an abstract with the IMEI of the device included from your nearest police station and share that with the Customer Care.

If you have purchased the Samsung Galaxy A13, A23, or A33, your phone has been registered for a one time accidental front screen repair.

In the event you need to use this service, please call Customer Care on: 0800 722 245.

In order to redeem this benefit, you will be required to pay a small repair fee at an authorised service centre.

Have more questions?

Whether you need to find the closest Watu Simu location or want more information on getting your phone financed, contact our Customer Care team.

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