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 provides affordable and flexible financing solutions for various smartphones to the Ugandan market.

Watu Simu currently finances a select range of Samsung Galaxy smartphones.

The devices have a manufacturer’s warranty period of 24 months. Terms and Conditions apply.

To qualify for phone 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

Our loan period is 52 weeks (1 year) and payments to be made weekly.

Pay As You Go (PAYG) is a flexible payment plan that allows you to pay for your device as needed. You can now stay connected to your terms and pay for what you can avail at that time. Terms & Conditions apply. For more information contact: 0800 202 777.

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 A04E
  • Samsung Galaxy A04S
  • Samsung Galaxy A04
  • Samsung Galaxy A14
  • Samsung Galaxy A24
  • Samsung Galaxy A34

Payments can be made via Airtel Money or Yo Pay.

Airtel Money:

Dial *185*5*15#

Reference Number: Borrower’s phone number

Yo Pay:

Dial *217*777#

Reference Number: Borrower’s phone number

If your weekly payment was not made on time as per the loan agreement, the device will be locked. To unlock your phone, please make an immediate payment.

To unlock your phone, please make an immediate payment through Airtel Money or Yo Pay. 

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 202 777.

For any phone service related queries, please reach out to the Watu Simu Customer Care team: 0800 202 777

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.

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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