Affordable Smartphones,
Flexible Payments

ZiraLock unlocks a smartphone for you today. Pay in small weekly or monthly instalments with instant M-PESA payments — and own it when you finish.

Browse Devices Make a Payment
M-PESA STK Push
Secure Lock Technology
Weekly & Monthly Plans
Instant Unlock on Payment
Secure Lock Technology

Devices stay protected until fully paid off — safely and remotely.

Real-time M-PESA

Pay instalments instantly via STK push. No queues, no delays.

Flexible Plans

Choose weekly or monthly cycles that fit your budget.

Instant Unlock

Device unlocks automatically the moment your payment is confirmed.

Small Deposit

Walk away with your phone today for a small initial deposit.

Branch Network

Visit any of our partner branches to check your account.

Featured Devices

Top smartphones available today on flexible payment plans.

TECNO Spark Go (BF7)
TECNO Spark Go (BF7)

The everyday favourite. Big screen, long battery and reliable daily performance at an unbeatable price.

4GB RAM 64GB ROM
PriceKSh 26,000
DepositKSh 500
InstalmentKSh 500 / weekly
Start Today
TECNO Pop 7 (BF6)
TECNO Pop 7 (BF6)

Compact, light and powerful enough for calls, apps and media. Ideal for first-time smartphone users.

4GB RAM 64GB ROM
PriceKSh 30,000
DepositKSh 3,000
InstalmentKSh 500 / weekly
Start Today
TECNO Spark Go 2024 (BG6)
TECNO Spark Go 2024 (BG6)

The refreshed Spark line-up with smoother performance, great cameras and a stunning display.

4GB RAM 128GB ROM
PriceKSh 13,500
DepositKSh 500
InstalmentKSh 400 / weekly
Start Today
Infinix Hot 40i (X6528)
Infinix Hot 40i (X6528)

Extra-large RAM and ROM, long-lasting battery and a bright screen built for entertainment and productivity.

8GB RAM 128GB ROM
PriceKSh 40,000
DepositKSh 8,000
InstalmentKSh 1,000 / weekly
Start Today
Redmi 13C
Redmi 13C

Xiaomi reliability with a large HD display, 50MP camera and all-day battery. Great value for money.

4GB RAM 128GB ROM
PriceKSh 32,600
DepositKSh 1,400
InstalmentKSh 600 / weekly
Start Today

How It Works

Four simple steps between you and your new phone.

1
Choose Your Device

Pick a phone and a payment plan that fits your budget.

2
Pay a Small Deposit

Complete the first payment, then take your phone home.

3
Pay Instalments

Send payments weekly or monthly via M-PESA STK push.

4
It's Yours

Finish your instalments and the phone is permanently unlocked.

Popular Payment Plans

Sample instalment plans across our most popular devices.

TECNO Spark Go
KSh 500.00 / weekly

51-week instalment plan

Start This Plan
Redmi 13C
KSh 600.00 / weekly

52-week instalment plan

Start This Plan
Hot 40i
KSh 1,000.00 / weekly

Flexible weekly instalments

Start This Plan

Are You a Device Seller?

Partner with ZiraLock and offer your customers flexible instalment financing — without the risk of chasing payments.

  • Increase sales with pay-go options
  • Secure lock technology protects every device
  • Automatic payment tracking and reporting
Become a Partner
Why sellers choose ZiraLock
More Customers
Unlock a bigger market of buyers who pay in instalments.
Automated Collection
Payments are confirmed automatically via M-PESA.
Zero Risk
Devices stay locked until fully paid. You stay protected.

Frequently Asked Questions

Everything you need to know before you start.

ZiraLock is a secure smartphone financing service. You take a phone today, pay in small instalments, and the phone unlocks automatically as you pay.
Payments are sent via M-PESA STK push. When your payment is confirmed, your phone unlocks instantly — no queuing needed.
Your device will lock until your account is brought up to date. Catch up on any instalment and it unlocks right away.
Yes. Pick a weekly or monthly cycle that suits your income, from a small deposit up to the full price.
Once you complete all your instalments, the device is permanently unlocked and fully yours.

Your New Phone Is One Payment Away

Browse devices, make your first payment and walk out with a smartphone today.

Browse Devices Make a Payment