Watu Simu

We have the latest collection of phones on the Watu Credit lipa mdogo mdogo plan. Dubbed Watu Simu, this finance plan avails smartphones in affordable deposits and flexible daily/weekly installments.

With a rich catalog that includes the latest 5G ready Samsung smartphones, Watu Simu has grown to be the most preferred brand for customers looking for nice loan phones in Kenya.

The latest Watu Credit phones include Samsung A25, Samsung A15, Samsung A05s, Samsung S24, Samsung A55, Samsung A35, Samsung A14 and Samsung A24 among others.

Latest 10 Watu Simu Phones in Kenya

Phone Model	Deposit (Ksh)	Daily (Ksh)	Monthly (Ksh)
Samsung A04e	3,500	78	2,340
Samsung A05	3,500	80	2,400
Samsung A05s	5,000	87	2,610
Samsung A15	6,000	105	3,150
Samsung A25	10,000	199	5,970
Samsung A35	13,000	216	6,480
Samsung A55	15,500	276	8,280
Samsung S24	35,000	509	15,270
Samsung S24 Plus	40,000	560	16,800
Samsung S24 Ultra	50,000	728	21,840

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Samsung S24 Ultra (512GB/12GB)

Display	6.8 Inches, 1440 x 3088 Pixels
Processor	3.2 GHz Octa-core
Camera	200MP + 50MP + 10MP + 12MP
Storage	512GB/1TB, No MicroSD Card slot
RAM	12GB
Battery	5,000mAh, 45W Fast Charging
Software	Android 14, One UI 6.1
Deposit	Ksh 48,000
Installments	Ksh 5,946 Weekly; Ksh 23,784 Monthly

KSh 48,000 Deposit

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FAQs About Watu Credit Phones

What is Watu Simu?

Watu Simu is a department of Watu Credit that specializes in offering a wide range of lipa mdogo mdogo phones in the Kenya.

Which are the latest Watu Simu Phones?

Samsung S24 Ultra
Samsung Galaxy A55
Samsung Galaxy A35
Samsung Galaxy A25
Samsung Galaxy A15
Samsung Galaxy A05s
Samsung Galaxy A05
Samsung Galaxy A24
Samsung Galaxy A14
Samsung Galaxy A04e

How much is the Deposit?

Currently, the initial down payments for Watu Credit phones start from Ksh 3,500. Generally, Watu avails smartphones at more affordable deposits compared to other asset financing companies in Kenya.

What are the features of Watu Simu phones?

Watu Simu smartphones run on the latest Android 14 Operating System, have ample internal storage and good cameras. They also have impressive battery capacities starting 5,000mAh and good memory for gaming and multitasking. Over 95% of Watu Simu gadgets are 5G ready.

Where can I get Watu Credit phones?

Watu Simu Shop Nairobi CBD: New Al Noor Exhibition, 1st Floor, Shop B4. Accra Road/Taveta Road. Same-day FREE deliveries available around Nairobi, Kiambu, Kajiado and Machakos Counties (Payment on Delivery).

What’s the warranty Policy for Watu Credit Phones?

Watu Credit currently sells Samsung gadgets, and they all come with 24 months warranty. This covers all issues related to manufacturer defects. Your phone will be repaired or replaced if it is in Warranty.

Which SIM card can I use with the phone?

All Smartphones by Watu Credit are unlocked. You are at liberty to use SIM cards from any network, including Safaricom, Airtel, Faiba, Equitel, MTN, etc.

Can I use the phone outside Kenya?

Yes, Watu Simu phones operate normally in any country, as long as the weekly installments are paid. You can easily pay your installments using the M-Pesa Mobile App from any part of the world.

What happens if my phone gets damaged?

If your phone stops working, contact the Watu Simu customer care department. They will guide you to the nearest authorized service center where you can be assisted to service the phone. If your phone is Galaxy A14, A15, A25, A24, A35 or A55, you are eligible for a one time accidental front screen repair at a discounted fee.

I lost my phone. What should I do?

If you got your phone from Watu Credit and it’s unfortunately stolen or lost, you are required to take immediate action to protect your personal information and report the incident. Here’s what you should do:

Secure your accounts: Change the passwords of personal accounts linked to your phone, such as email, social media or banking apps. This will prevent unauthorized access to your accounts.

Contact Watu Simu customer support to report the theft/loss of the phone immediately. The number to call is 0790 000 999. Provide them with the necessary details, such as your account information and the incident report, if you have one.

File a Police Report: Visit your local police station and file a report about the stolen phone. Provide them with all the relevant details, including the phone’s make, model, IMEI and any other identifying information. This will be useful for tracking purposes.

Block your SIM Card: Contact Safaricom, Airtel, Telkom or any other mobile service provider to block your SIM Card associated with the stolen Watu Simu phone. This will prevent unauthorized use of your mobile number and services.

Enable phone tracking: If you had enabled any tracking or remote wiping features on your phone such as Find My Device, use those features to track your phone’s location or remotely erase your personal data.

What are the Benefits of Watu Simu?

Affordable Deposits: You get flexible and affordable financing options for the latest smartphones.

Easy Installments: The daily installments range from Ksh 70 to Ksh 200, depending on the phone model.

Phone Varieties: Watu Simu has several phones available on lipa Mdogo Mdogo, compared to other asset financing companies such as Mkopa and Dlight. In addition, for every smartphone, Watu gives you access to all its variants.

Quality Assurance: Watu Credit deals with original, brand new Samsung smartphones. This gives you a guarantee of genuine products that are backed by 24 months warranty and after-sales support.

Customer Support: In addition to quality guarantee, Watu Simu offers excellent customer support services to assist users with any technical issues or inquiries related to the lipa mdogo mdogo phones.

Screen Repair: If you get a phone from Watu Simu, you are eligible for discounted screen repair at any accredited Samsung repair center. The repair is available once for every gadget.

5G Ready Devices: Over 95% of smartphones by Watu Credit are 5G ready, giving users an advantage in terms of internet speeds.

7 Days Grace Period: Once you pay the initial deposit for any smartphone from Watu Credit, you get a full week of free usage days. This gives you ample time to test the phone before you start making the weekly payments.

What are the Requirements?

To qualify for any smartphone on the Watu Credit lipa mdogo Mdogo plan, you need to meet the following requirements:

Original National ID: Waiting Cards and Abstracts not allowed.

Be at least 18 years old, with your Original ID physically available.

No active loans with Watu Credit for other phones, motorbikes or cars.

Mpesa Line which serves as your account number during payment.

A valid next of kin name and phone number.

The required Deposit, depending on the phone model

How do I check my Watu Simu loan balance?

Dial *876# using the registered phone number and follow the prompts. Alternatively, log in to the Watu Simu mobile app to check your balance.

How do I pay my Watu Credit phone via M-Pesa?

There are four ways you can pay for your smartphone. You will receive a confirmation message from Watu Credit immediately.

Go to the Mpesa Toolkit, use PAYBILL 650880 and your ID Number as the Account. Enter Amount and send.

Use the Mpesa App or Safaricom App, with the Paybill 650880.

You can also pay directly from the Watu Simu App. Go to the Payments tab and select the number of days to pay. Tap on Pay via Mpesa button to initiate the payment.

Dial *876# from the registered phone number. Select Watu Simu (Option 6) and then select Make Payment.

Why is my Watu Credit Phone is locked?

If your phone was locked for payment delay, tap on the Watu Simu icon on the lock screen. Log in to the app and initiate a payment for at least one day. The phone will automatically unlock for use.

I don’t have money to pay

Watu Credit allows you up to 15 minutes for free everyday. You can use these minutes to temporarily unlock the phone, make a few calls and make payment.

Does Watu give out Cash loans?

Currently, there are no cash loans available from Watu Credit. However, paying your installments on time gives you a good credit score, useful when applying for loans.

Does Watu Credit have an App?

Yes. The Watu Simu mobile app is available on Google Playstore. You can download it to track your payments. Use your registered phone number and create a four digit PIN to log in.

How do I remove the Watu Credit phone tracker?

Watu Simu partners with Samsung to secure all phones against any tampering activities. The payments tracker automatically gets disconnected once you clear your loan.

Watu Simu

Latest 10 Watu Simu Phones in Kenya

Samsung A05 (64GB/4GB)

Samsung A04e (32GB/3GB)

Samsung A05s (128GB/4GB)

Samsung A25 5G (256GB/8GB)

Samsung A35 5G (256GB/8GB)

Samsung A55 5G (256GB/8GB)

Samsung A15 (128GB/4GB)