Watu Credit

WATU SIMU is an asset financing plan by Watu Credit that avails lipa mdogo mdogo phones, mainly Samsung models, at affordable deposits. Customers pay an initial deposit ranging from Ksh 3,500 to Ksh 15,000, followed by daily installments between Ksh 80 and Ksh 250 for one year, depending on the gadget and specifications.

The latest watu credit lipa mdogo mdogo phones include Samsung A56 5G, Samsung A36 5G, Samsung A26 5G, Samsung A16, Samsung A06 and Samsung A05 among others.
How Watu Simu Works

Requirements – Original National ID, a valid Safaricom phone number and the required deposit.
Where to buy – Watu Simu dealers countrywide.
Shop Online – Place an order at lipa mdogo mdogo center, the phone will be delivered to your doorstep (Payment on Delivery).
Pay Easy – Choose daily, weekly, or monthly payments. PAYBILL: 650880; Account: ID Number.
Lost Phones – Incase of loss, report to the nearest Police Station, visit the nearest Watu Credit office for assistance.
Warranty – All Watu Simu gadgets come with 24 months warranty that covers any manufacturer defects. Additionally, customers are entitled to a discounted one time screen repair at authorized Samsung service canters.
Contacts – Call / WhatsApp 0721-114-168 for orders. Customer Care Number: 0800 722 245.

Watu Simu Pricelist

Phone Model
Deposit (Ksh)
Daily (Ksh)

Samsung A16 (128GB/6GB)
7,500
155

Samsung A16 (128GB/4GB)
6,500
137

Samsung A15 (128GB/6GB)
7,200
142

Samsung A15 (128GB/4GB)
6,700
128

Samsung A06 (128GB/4GB)
4,200
99

Samsung A06 (64GB/4GB)
3,500
93

Samsung A05 (128GB/4GB)
4,500
93

Samsung A05 (64GB/4GB)
3,500
83

Samsung A04e (32GB/3GB)
3,300
74

Samsung A05s (128GB/4GB)
5,300
107

Samsung A05s (64GB/4GB)
4,800
97

(Pricelist Updated: 15th August 2025)