Flexible Payment Plans Designed for Your Budget
We know that every shilling counts. Our payment plans are specially tailored to support low-income earners. Whether you earn daily, weekly, or monthly, our affordable repayment options are built to match your lifestyle—so you can pay at your pace, without stress.
Instant Access to Products
No more waiting months to save up. With HotPay, you can get what you need today and pay over time. Need a solar kit, a new phone, or a refrigerator? You’ll have it in your hands right away—use it while you pay for it.
100% Digital Experience
Forget about paperwork, long lines, or complicated processes. Our system is fully digital, meaning you can apply, get approved, and start using your product—all from your phone. Fast, simple, and secure.
More Than Just Solar—We’re Growing With You
We started with affordable solar energy kits to help families access clean, reliable power. Now, we’ve expanded! You can use HotPay to finance smartphones, home appliances, electronics, and more. We’re constantly adding new products to serve your needs better.
Empowering Financial Freedom, One Smart Payment at a Time
At HotPay, we believe everyone deserves access to essential financial services—no matter their income or credit history. Inspired by the success of pioneers like M-KOPA, we’ve built a next-generation fintech platform that combines flexible digital payments, asset financing, and inclusive financial solutions to unlock opportunities for underserved communities.
Pay Small, Own Big:
Customers make an initial deposit, then pay manageable installments via mobile money or digital wallets.
Remote Approval:
Our AI-driven platform approves users in minutes, with no traditional credit score required.
Ownership Unlocked:
Once payments are complete, full ownership transfers to the customer—no hidden fees.
Build Credit:
Timely payments improve financial profiles, opening doors to more opportunities.
Flexible Payment Plans Designed for Your Budget
We know that every shilling counts. Our payment plans are specially tailored to support low-income earners. Whether you earn daily, weekly, or monthly, our affordable repayment options are built to match your lifestyle—so you can pay at your pace, without stress.
Instant Access to Products
No more waiting months to save up. With HotPay, you can get what you need today and pay over time. Need a solar kit, a new phone, or a refrigerator? You’ll have it in your hands right away—use it while you pay for it.
100% Digital Experience
Forget about paperwork, long lines, or complicated processes. Our system is fully digital, meaning you can apply, get approved, and start using your product—all from your phone. Fast, simple, and secure.
More Than Just Solar—We’re Growing With You
We started with affordable solar energy kits to help families access clean, reliable power. Now, we’ve expanded! You can use HotPay to finance smartphones, home appliances, electronics, and more. We’re constantly adding new products to serve your needs better.
More People Are Choosing HotPay Your Interests First
At HotPay, we believe everyone deserves access to the products they need—without the burden of high upfront costs. That’s why we’ve designed our service to work for you, no matter your income level. Here’s what makes HotPay the smart choice.