How to Buy Anything on M-Pesa and Pay Later with Faraja – The Ultimate Guide

I’m here to tell you some amazing news that will make your life easier and more fun. You know how sometimes you want to buy something but you don’t have enough cash on you? Or maybe you’re waiting for your salary to come in but you can’t resist that tempting offer at the mall? Well, worry no more, because Safaricom has got your back!

Safaricom, the leading telco in Kenya, has just launched a new service called Faraja. Faraja means joy in Swahili, and that’s exactly what this service will bring you. Faraja is a zero-interest credit service that lets you buy goods for up to Sh100,000 on M-Pesa and pay later. Yes, you heard me right. Zero interest. No hidden charges. No strings attached.

How Faraja Works

How does it work? It’s simple. All you need is an M-Pesa account and a Faraja-enabled merchant. You can find them at Naivas Supermarket, Goodlife Pharmacy, City Walk and many more. Just scan the QR code at the checkout, enter the amount you want to borrow, and confirm with your M-Pesa PIN. Voila! You’ve just bought yourself something nice without breaking the bank.

How to Access Faraja

To access the service provided by Faraja, customers have two convenient options. They can either dial *799# to opt-in or make a payment directly. Alternatively, they can access it through the dedicated Faraja mini-app on the M-PESA Super App. With Faraja, customers also have the flexibility to purchase multiple items at once, as long as they stay within their assigned credit limits. This ensures a seamless and efficient shopping experience for all users.

You have 30 days to repay the loan, and you can do it in installments or in one lump sum. You can also check your balance and repayment history on the Faraja app or by dialing *234#. And don’t worry about your credit score. Faraja doesn’t affect it at all. It’s a win-win situation for everyone.

Faraja is a game-changer in the mobile loans market. It’s not like Fuliza, which charges you an overdraft fee every time you use it. It’s not like those other apps that spam you with messages and calls when you’re late on your payments. It’s not like those shady lenders that charge you exorbitant interest rates and fees. Faraja is different. Faraja is friendly. Faraja is fair.

Faraja is a collaboration between Safaricom and EDOMx, a local fintech company that specializes in digital solutions for merchants and consumers. They have done extensive research on the global market and found out that there is a huge demand for such a service, especially in Kenya where many people are unbanked or underbanked.

So what are you waiting for? Go ahead and try Faraja today and see for yourself how it can transform your shopping experience. You’ll be glad you did. And don’t forget to tell your friends and family about it too. Spread the joy of Faraja!


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