Get Your Dream Smartphone in 10 minutes.

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Credit Hive
Why Us

Why Choose Credithive?

How Credithive works

How Credithive works

STEP-BY-STEP GUIDE

How Credithive works
How Credithive works
How Credithive works
How Credithive works
How Credithive works
How Credithive works
Impact

Impact

Smartphone Financing - Impact

Smartphone financing enables true digital and financial inclusion for every African.
CreditHive’s Smartphone Financing Solution aligns with 5 out of 17 UN SDGs.

Our Impact
Our Impact
Our Impact
Our Impact
Our Impact
Our Impact
CUSTOMER STORIES

CUSTOMER STORIES

Customer Stories
Testimonials

Testimonials

Enabled schools in Africa get access to smartphones for digital learning during COVID-19.

Paul Trueman

Paul Trueman

Teacher

Helped an African woman purchase a smartphone to change her business model from beautician to remote makeup coach during COVID-19.

Emma Newman

Emma Newman

Enterpreneur

Empowered farmers of a dairy farm in Africa get access to smartphone to check dairy farming best practices, milk pricing and other relevant information to grow their business.

Viktoria Freeman

Farmer

Get in Touch with us

+44 7932 459922

Frequently Asked Questions

1. Who can apply for smartphone financing?

Anyone who meets the following criteria can apply for smartphone financing:
✅ Must be at least 18 years old
✅ Have a valid government-issued ID
✅ Provide proof of residence (utility bill, lease agreement, etc.)
✅ Have a mobile money wallet or an active payment method
✅ Have a steady source of income or demonstrate repayment ability

2. What documents are required for approval?

To apply for smartphone financing, you will need:
📌 A valid government-issued ID (e.g., passport, national ID, or driver’s license)
📌 Proof of residence (utility bill, lease agreement, or official letter)
📌 A working mobile number linked to a mobile money wallet

3. How long does the approval process take?

The approval process is quick and seamless!
If all documents are correctly submitted, approval is instant in most cases.

4. What are the repayment options?

💳 You can make your repayments through:
Mobile Money Services (EcoCash, MTN Money, Airtel Money, etc.)
Partner Retail Stores – Pay in cash at authorized outlets
Bank Transfers (if available in your country)

5. Can I pay off my phone early?

Yes! You can clear your remaining balance anytime without any penalties. Paying off your phone early may also improve your eligibility for future financing.

6. What happens if I miss a payment?

If you miss a payment, the following may happen:
⚠️ Reminder SMS – You will receive a notification to make the payment.
🔒 Phone Locking – Your device may be remotely locked until payment is made.
📉 Credit Impact – Your credit profile may be affected, making future financing difficult.
📞 Collection Calls – Our recovery team may contact you for payment.
⚖️ Legal Action – Continued non-payment may result in legal recovery procedures.

Credit Hive
CreditHive

2025-04-25 11:22:30

CreditHive

🚀 Big News from DRC Congo! 🇨🇩📱 We’re thrilled to announce the launch of 4 brand-new CreditHive partner stores across the Democratic Republic of Congo! This marks another big step in our mission to make affordable smartphone financing accessible to everyone — especially the unbanked. 💡 What this means: ✅ More reach, more convenience for our customers ✅ Stronger local presence with trusted telecom partners ✅ Empowering communities with digital access and financial inclusion Whether you're an entrepreneur, student, or professional — now it’s even easier to walk into a store, choose your dream device, and walk out connected with a flexible payment plan. 🔗 Learn more: www.credithive.co.uk A huge thank you to our partners Africell & Orange, and to our growing CreditHive family in DRC. The journey continues! 🌍💙 {hashtag|#|CreditHive} {hashtag|#|FinancialInclusion} {hashtag|#|SmartphoneFinancing} {hashtag|#|DigitalAccess} {hashtag|#|DRCCongo} {hashtag|#|TelecomPartnership} {hashtag|#|Africell} {hashtag|#|Orange} {hashtag|#|Fintech} {hashtag|#|Growth} {hashtag|#|TechForGood}

Credit Hive
CreditHive

2025-04-21 17:16:30

CreditHive

📱 Empowering Dreams, One Device at a Time! 🌍 At CreditHive, we believe everyone deserves access to the digital world. Whether you're a student, a professional, or a small business owner, we make it easy for you to own a smartphone today and pay later — on your terms. 💸✅ 📍 Serving communities across Africa 🔐 Safe. Simple. Affordable. 🤝 Trusted by thousands Join the hive. Experience the freedom of mobile financing made for you. ➡ Learn more: www.credithive.co.uk {hashtag|#|CreditHive} {hashtag|#|EmpowerWithTech} {hashtag|#|SmartFinancing} {hashtag|#|PayLaterOwnNow} {hashtag|#|DigitalAfrica}

Credit Hive
CreditHive

2025-04-16 12:49:09

CreditHive

Seamless Tech. Real Impact. At CreditHive , technology isn’t just a feature — it’s the backbone of our mission to make smartphone financing accessible to everyone. Here’s how our tech is transforming lives across Africa: Instant eKYC & Onboarding From store to screen in minutes — our app ensures paperless, secure verification using national ID and facial recognition. Smartphone Lock Technology Built-in integration ensures devices stay secure until payments are complete — protecting both customers and partners. Real-Time Credit Profiling Our AI-driven engine analyzes behavioral and telecom data to make instant credit decisions, even for those with no banking history. Integrated Payments & Tracking Fully integrated with mobile money platforms like EcoCash, MTN, Airtelmoney making collections seamless and reconciliations effortless. Field Agent Access Our mobile-first platform empowers on-ground agents with tools for document uploads, customer photos, and live order tracking. We’re not just building fintech. We’re building trust, access, and opportunity — powered by technology. 🚀 Want to partner with us to drive financial inclusion? 👉 www.credithive.co.uk {hashtag|#|CreditHive} {hashtag|#|FintechForGood} {hashtag|#|FinancialInclusion} {hashtag|#|Unbanked} {hashtag|#|SmartphoneFinancing} {hashtag|#|SeamlessTech} {hashtag|#|AfricaTech} {hashtag|#|MobileFinance} {hashtag|#|eKYC} {hashtag|#|FintechAfrica} {hashtag|#|DigitalInclusion} {hashtag|#|SmartTechForChange}

Credit Hive
CreditHive

2025-04-10 12:45:52

CreditHive

Month-on-Month Growth at CreditHive – A Testament to Financial Inclusion 📈 We’re excited to share that CreditHive has witnessed consistent month-on-month growth in smartphone financing sales across all our operating regions! 🌍📱 🔹 Why this matters? Our growth reflects: ✅ Rising demand for affordable, accessible mobile financing ✅ Growing trust among unbanked and underserved populations ✅ Strong partnerships with telcos and retail networks ✅ Our scalable credit profiling and eKYC system 💡 With every smartphone financed, we’re not just selling a device — we’re unlocking digital access, financial identity, and economic opportunity for thousands. 🎯 This momentum fuels our mission to bridge the digital divide and bring financial inclusion to the last mile. A big THANK YOU to our amazing team, field agents, and partners who make this possible every day. 📊 The journey has just begun — we’re only getting started! {hashtag|#|CreditHive} {hashtag|#|FintechForGood} {hashtag|#|FinancialInclusion} {hashtag|#|GrowthStory} {hashtag|#|ImpactFintech} {hashtag|#|SmartphoneFinancing} {hashtag|#|UnbankedAfrica} {hashtag|#|DigitalAccess} {hashtag|#|InvestorUpdate} {hashtag|#|MWC2025} {hashtag|#|AfricaRising} {hashtag|#|FintechGrowth}

Credit Hive
CreditHive

2025-04-05 18:11:27

CreditHive

How Can You Thrive in a Digital World Without a Bank Account? In Africa, millions face this challenge every day. Without a financial history, access to credit is nearly impossible. 💡 Here’s the reality: 🚫 No credit history = No smartphone financing 🚫 No smartphone = No access to digital finance 🚫 No digital finance = No economic growth That’s where CreditHive steps in: 📲 Flexible smartphone financing without a bank account 🔍 Alternative credit assessment beyond traditional banking 🤝 Partnerships with top telecoms to expand digital access The result? More people empowered with financial tools to grow. 📩 Let’s work together to drive financial inclusion across Africa! {hashtag|#|FinancialInclusion} {hashtag|#|UnbankedAfrica} {hashtag|#|CreditHive} {hashtag|#|InvestInTech} {hashtag|#|AfricaFintech} {hashtag|#|SmartphoneForAll}

Credit Hive
CreditHive

2025-04-01 16:35:51

CreditHive

Revolutionizing Credit Access with Smart Credit Profiling! At CreditHive, we believe financial inclusion starts with smart, data-driven credit decisions. Our Credit Profiling Model is designed to empower the unbanked population by providing accessible and reliable smartphone financing—without the need for traditional credit history. 🔹 How It Works? ✅ Alternative Data Analysis – Using mobile usage patterns, transaction behavior & digital footprints. ✅ AI-Powered Risk Assessment – Evaluating repayment potential with real-time insights. ✅ Instant Credit Offers – Personalized financing options tailored for each customer. 🔍 Why This Matters? 💳 Expanding Access – Enabling customers with no formal credit history to own a smartphone. 📈 Risk Mitigation – Ensuring responsible lending while fostering financial growth. 🌍 Empowering the Unbanked – Driving financial inclusion across Africa and beyond. With our advanced credit profiling model, we’re not just financing smartphones—we’re unlocking opportunities, connectivity, and a brighter financial future! {hashtag|#|CreditHive} {hashtag|#|FinancialInclusion} {hashtag|#|CreditProfiling} {hashtag|#|SmartphoneFinancing} {hashtag|#|AIinFintech} {hashtag|#|Unbanked} {hashtag|#|FintechInnovation} {hashtag|#|DigitalTransformation}

Credit Hive
CreditHive

2025-03-28 13:35:22

CreditHive

Bridging the Financial Gap for Africa’s 350M+ Unbanked People 🌍📱 Did you know that *nearly 57% of adults in Africa* don’t have access to formal banking? That’s *350M+ people* left out of the financial system! ❌ No access to credit ❌ No formal financial history ❌ Limited opportunities for growth At CreditHive, we’re solving this with smartphone financing for the unbanked—empowering people to: ✅ Access digital financial services ✅ Build a financial footprint without a bank account ✅ Stay connected with affordable, flexible payment plans Financial inclusion isn’t just about banking—it’s about opportunity, connectivity, and economic growth. 🚀 Let’s empower Africa, one smartphone at a time! {hashtag|#|FinancialInclusion} {hashtag|#|UnbankedAfrica} {hashtag|#|CreditHive} {hashtag|#|SmartphoneFinancing} {hashtag|#|FintechForGood} {hashtag|#|AfricaRising}

Credit Hive
CreditHive

2025-03-18 15:58:33

CreditHive: Over a Year of Empowering DRC Congo! 🇨🇩📱 We’re proud to celebrate over a year of making smartphone ownership easy in the Democratic Republic of Congo! 🚀 📡 In Partnership with Africell & Orange – helping thousands get affordable smartphones with flexible payment plans and hassle-free financing! ✨ Why Choose CreditHive? ✅ Own a smartphone with easy, flexible installments ✅ No bank account? No problem! Simple eKYC verification ✅ Stay connected with top networks like Africell & Orange 🔹 Whether you're an entrepreneur, student, or professional, CreditHive is here to keep you connected and financially empowered. 📍 Visit our partner stores or sign up today! 👉 www.credithive.co.uk {hashtag|#|CreditHive} {hashtag|#|DRCCongo} {hashtag|#|Africell} {hashtag|#|Orange} {hashtag|#|SmartphoneFinancing} {hashtag|#|FinancialInclusion} {hashtag|#|StayConnected} {hashtag|#|OneYearStrong}

Credit Hive
CreditHive

2025-03-11 18:07:36

Milestone Unlocked at MWC 2025! 📱🎉 We’re excited to share that Creditihive has made big strides at MWC 2025! ✅ Streamlined Onboarding Process – Faster, easier smartphone financing for the unbanked. ✅ Enhanced Credit Profiling – Better insights to serve unbanked customers. ✅ Improved Product Delivery – Stronger partnerships for seamless financing solutions. Our time at MWC was all about collaborating with industry leaders — and we’re proud to say it’s already transforming our product delivery and accessibility. A big thank you to our partners and everyone who believes in financial inclusion. The journey has just begun! 💯📊 {hashtag|#|MWC2025} {hashtag|#|SmartphoneFinancing} {hashtag|#|FinancialInclusion} {hashtag|#|Creditihive} {hashtag|#|Partnerships} {hashtag|#|Unbanked} {hashtag|#|Onboarding} {hashtag|#|CreditProfiling}

Credit Hive
CreditHive

2025-03-05 15:55:40

 CreditHive is Live at MWC Barcelona 2025! 🌍📱 We’re thrilled to be at the world’s largest connectivity event—MWC Barcelona 2025! Join us as we showcase how smartphone financing is transforming digital and financial inclusion across Africa and beyond. 📍 Where to Find Us? 📅 March 3rd-6th, 2025 📍 Fira Gran Via, Barcelona 💡 Why Meet Us? ✅ Partner with us for smartphone financing solutions ✅ Learn how we enable financial inclusion for the unbanked ✅ Discover our innovative device financing model for telecom operators, OEMs, and fintechs 📩 If you're attending, let’s connect! Or DM us to schedule a meeting. {hashtag|#|MWC2025} {hashtag|#|CreditHive} {hashtag|#|SmartphoneFinancing} {hashtag|#|FinancialInclusion} {hashtag|#|Barcelona} {hashtag|#|Fintech} {hashtag|#|TelecomInnovation}

Credit Hive
CreditHive

2025-02-28 14:54:45

CreditHive

CreditHive at MWC Barcelona 2025 – Partner with Us! 📱🌍 We’re bringing next-gen smartphone financing to MWC Barcelona 2025! As a leading fintech driving financial inclusion in Africa and emerging markets, we are looking for investors and telecom operators to expand our impact. Why Partner with CreditHive? ✅ Telecom Growth: Increase smartphone penetration and ARPU with device financing solutions tailored for unbanked customers. ✅ Investor Opportunity: A proven, scalable SaaS model powering financial inclusion with 140% growth and expansion into new markets. ✅ End-to-End Ecosystem: We provide technology, credit profiling, eKYC, risk management, and smartphone locking mechanisms to ensure seamless financing. ✅ Proven Success: Trusted by major telecoms and partners across Africa, Asia, and the Middle East. Let’s Connect at MWC Barcelona! 📅 Date: 3rd to 6th March 2025 📍 Location: Fira Gran Via, Barcelona 🎤 Meet Our Leadership: Chetan Dogra, Director CreditHive We are changing the game in smartphone financing, and we want you to be part of this journey! Let’s collaborate to drive digital and financial inclusion. 📩 DM us to schedule a meeting! {hashtag|#|CreditHive} {hashtag|#|MWC2025} {hashtag|#|TelecomPartnerships} {hashtag|#|SmartphoneFinancing} {hashtag|#|FinancialInclusion} {hashtag|#|InvestInAfrica} {hashtag|#|FintechInnovation} {hashtag|#|MobileGrowth}

Credit Hive
CreditHive

2025-02-26 20:09:35

📢 CreditHive x MWC 2025: Let’s Talk Business! We’re excited to showcase how CreditHive is changing lives with smartphone financing solutions. Our plug-and-play fintech platform is helping telecom operators, microfinance companies, and OEMs reach unbanked customers like never before. At MWC Barcelona 2025, let’s discuss: 🔹 Strategic Investments in Africa’s fast-growing mobile financing market 🔹 Partnerships with Telecom & Microfinance Leaders 🔹 How Smartphone Financing Drives Financial Inclusion 📅 Meet us on 3rd March to 6th March in Barcelona! 📩 Schedule a meeting with us at cd@mobihivelabs.com {hashtag|#|MWC2025} {hashtag|#|CreditHive} {hashtag|#|FintechForAfrica} {hashtag|#|SmartphoneFinancing} {hashtag|#|InvestWithUs} {hashtag|#|FinancialInclusion} {hashtag|#|MobileTechnology}

Credit Hive
CreditHive

2025-02-17 18:51:16

CreditHive

🚀 Exciting News from CreditHive! 🚀 We’re heading to MWC 2025 Barcelona, the world’s premier stage for mobile innovation! 📅 3rd – 6th March | 📍 Fira Gran Via, Barcelona We’re redefining smartphone financing & financial inclusion across emerging markets. 💡 Why It Matters: ✔ Unlocking fintech & digital lending opportunities ✔ Empowering unbanked communities with mobile financing ✔ Driving scalable growth in Africa & beyond 📍 Attending MWC 2025? Let’s connect & shape the future of fintech! Schedule a meeting today. {hashtag|#|MWC2025} {hashtag|#|CreditHive} {hashtag|#|FintechInnovation} {hashtag|#|SmartphoneFinancing}