What is the MTN Pick and Pay Later service?

2 Apr at 11:30 AM

Key takeaways

MTN Pick and Pay Later lets you buy and pay for a smartphone in installments over 4 or 6 months through MoMo.
To be eligible, you must have excellent usage and MoMo activity; approval is based on your MTN credit score.
Dial *170# to begin the process and can pick up your device at an MTN service centre.

MTN Pick and Pay Later offers an easy way for MTN customers to purchase smartphones and pay in installments. Let’s go over how this service works.

What is MTN Pick and Pay Later?

MTN Pick and Pay Later is a device financing program that enables eligible MTN Ghana customers to select a smartphone, make an initial down payment, and pay the remaining balance via mobile money over four or six months.

Eligibility and requirements

To qualify for the MTN Pick and Pay Later service, you must meet specific requirements, primarily assessed through a credit scoring system based on MTN usage and mobile money activity.

Eligibility includes:

Being an active MTN Ghana subscriber.
Maintaining consistent usage and good payment records with MTN services.
Being registered and actively transacting on MTN mobile money.

How to register for MTN’s Pick and Pay Later service?

Registering for MTN Pick and Pay Later is simple. Follow these steps to sign up and enjoy various payment options.

Dial *170#.

mtn momo code

Select Financial Services.

Choose Loans.

Select Device Pick and Pay Later.

mtn momo loan options

Select Device Lending.

Enter PIN to confirm by accepting the Terms & Conditions.

mtn device pick and pay later terms and conditions

Choose Get a device.

choose get a device

Enter your MoMo PIN again.

mtn device pick and pay later no qualify — We do not qualify for the service. So, we couldn’t proceed.

Follow the prompts to make your initial payment.

After making the initial down payment and receiving confirmation from MTN, you can collect your device at the nearest MTN service centre with your Ghana Card.

The service centres are Accra Mall, Junction Mall, West Hills Mall, Osu Supreme, and Achimota Mall.

What products are available for Pick and Pay?

The service currently offers various Samsung smartphone options, including the Galaxy A05, A15, and A25. The range of available devices may vary based on stock and your eligibility.

MTN Pick and Pay Later interest rates

MTN Pick and Pay Later interest rates depend on the smartphone and payment plan selected. It is fixed and will be displayed when making the request via the MoMo shortcode.

Note: If you miss a scheduled payment, you have a 24-hour grace period to settle it. After that, MTN will lock your smartphone, which will remain unusable until you pay the outstanding balance.

Conclusion

MTN Pick and Pay Later makes it easy to own a smartphone without paying the full amount upfront.

Simply request your preferred device using the USSD code, then visit the nearest MTN to complete the process and start enjoying the convenience of flexible payments.

Have any questions? Please share them with us in the comments.