Quick Summary

• MTN Pick and Pay Later allows you to get a smartphone now and pay in smaller amounts over time.
• Eligibility depends on your MTN usage and MoMo transaction history.
• Registration is done via *170# without visiting a store.
• Phones available include Samsung Galaxy A05, A15, and A25.
• Interest rates are fixed and displayed before purchase.
• Late payments lead to phone locking until dues are settled.

What Is MTN Pick and Pay Later?

MTN Pick and Pay Later is a simple way to buy a smartphone without paying the full amount upfront. If you’re an eligible MTN Ghana customer, you can pick a device, pay part of the price immediately, and cover the rest in smaller payments over four or six months using MTN Mobile Money (MoMo).

Think of it like buying a school bag on credit—you pay a little now and the rest later, but you still get to use the bag immediately. The same applies here: you get the phone now and pay in installments.

Who Can Use MTN Pick and Pay Later?

Not everyone can use this service. MTN has a system to check if you qualify, mainly based on how you use your MTN line and Mobile Money. Here’s what you need:

• Be an active MTN Ghana customer.
• Have a history of using MTN services regularly.
• Use MTN Mobile Money frequently and responsibly.
• Maintain a good payment record.

If you meet these requirements, MTN considers you a reliable customer and allows you to buy a phone through this service.

How to Sign Up for MTN Pick and Pay Later

Getting started is easy, and you don’t even have to visit a store first. Just follow these steps:

1. Dial *170# on your MTN phone.
2. Select Financial Services from the menu.
3. Choose Loans.
4. Select Device Pick and Pay Later.
5. Tap on Device Lending.
6. Read and accept the Terms & Conditions.
7. Select Get a Device.
8. Enter your MoMo PIN to confirm.
9. Follow the instructions to make your initial payment.

Once MTN confirms your payment, you can pick up your new phone from one of these MTN service centers:

MTN Service Centers
Accra Mall
Junction Mall
West Hills Mall
Osu Supreme
Achimota Mall

Remember, you must bring your Ghana Card when collecting your device.

What Phones Can You Get with MTN Pick and Pay Later?

The available smartphones may change based on stock and your eligibility. Right now, MTN offers Samsung devices such as:

Available Smartphones

Samsung Galaxy A05

Samsung Galaxy A15

Samsung Galaxy A25

How Much Interest Do You Pay?

The total cost of your phone includes a fixed interest rate, which depends on the device and payment plan you choose. When you request a device using the MoMo shortcode, MTN will show you the exact interest amount before you confirm.

What Happens If You Miss a Payment?

If you don’t make your payment on time, MTN gives you a 24-hour grace period to catch up. If you still don’t pay, your phone will be locked, making it unusable until you clear the outstanding balance.

If you’re looking for a new smartphone but can’t pay the full price upfront, MTN Pick and Pay Later is a great way to spread out the cost while staying connected.