Installment Plans | Jointpesa
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Installment plans made simple

Sell high-value items on installments without the risk of chasing payments. Set the terms once and let escrow protect every payment.

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What goes into a plan

Every installment plan on Jointpesa spells out the deal clearly, so both sides know what to expect.

The item and price

Describe what is being sold and agree the total price.

Deposit

The amount the buyer pays upfront to start the plan.

Schedule

Choose weekly, bi-weekly or monthly payments.

Agreement letter

A written agreement the buyer accepts before paying.

Terms and conditions

The rules both sides follow for the length of the plan.

Penalties schedule

What happens if payments are missed, agreed upfront by both sides.

Try the installment calculator

Enter the price, deposit and number of payments to see how much each installment would be. This is only an estimate to help you plan.

Any fees or penalties are not included here. Check the details in the app.

Deposit
Balance to pay
Payments
Each installment

Example plan

A laptop priced at KES 60,000 with a KES 12,000 deposit, paid over four monthly installments. Figures are for illustration only.

PaymentAmountStatus in escrow
DepositKES 12,000Held
Installment 1KES 12,000Held
Installment 2KES 12,000Held
Installment 3KES 12,000Held
Installment 4KES 12,000Held until delivery is confirmed
TotalKES 60,000Released to the seller after confirmation

Before a buyer accepts

  • Read the agreement letter and terms
  • Check the schedule and penalties
  • Confirm the item and price match what was agreed

Before a seller creates a plan

  • Agree the price and deposit with the buyer
  • Choose a schedule the buyer can keep to
  • Remember funds are released only after delivery is confirmed
How Lipa Mdogo Mdogo works

Ready for a secure transaction?

Download the app and start your first protected deal today.

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