Watu Smartphone Loans (Simu Financing), requirements list of phones available, interest and amount to pay


Watu offers you a chance to own a smartphone through a loan. There are different smartphones available on loan. You take a smartphone and pay mdogo mdogo as you use it.

Requirements for the Simu Financing

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

What is the onboarding process?

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!

List of smartphones available for financing

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

The smartphones are in the best condition and currently hot cake in the market.

What is Watu Simu’s Pay Bill number for weekly payments?

Pay Bill number: 650880

Account number: Borrower’s National ID number.

How to pay via the Paybill Number

  • Go to Mpesa
  • Select Lipa Na Mpesa
  • Select Paybill
  • Enter Business Number(650880)
  • Enter Account Number(ID Number)
  • Enter Amount and send

Why is my phone locked?

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.

My phone is damaged and/or has stopped working. What can I do?

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 authorized service center where you can be assisted for service/maintenance of the phone.


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