MTN Ghana has introduced a new service, effective November 26th, allowing its cherished customers to buy a phone on credit under the MTN Pick and Pay Later Scheme.
Christmas has come early with this service, as customers are expected to seize the opportunity to purchase their dream mobile phones and celebrate the festive season in grand style through the new MTN Pick and Pay Later Scheme.
This innovative service is a partnership between MTN Ghana, Access Bank PLC, and other firms to provide easy access to modern mobile phones without requiring full upfront payment.
Through this service, MTN will use its internal credit scoring system to assess the creditworthiness of its clients and match them with a mobile phone that suits their budget and lifestyle.
To qualify for this service, a customer must have a valid Ghana Card and meet the terms and conditions set by MTN. Interested persons can apply for the service easily by following the procedure outlined below.
However, customers should note that repayments will be made over a period of 4 to 6 months, depending on the option and offer provided.
READ: MTN Ghana & Access Bank Launch Credit Score System for Smartphone
How to Buy a Phone on Credit Under the MTN Pick and Pay Later Scheme
To purchase a smartphone under the MTN Ghana and Access Bank Credit Score System, follow these steps:
- Dial *170#.
- Select Financial Services (Option 5).
- Choose Loans (Option 3).
- Select MTN Pick and Pay Later (Option 6).
- Follow the prompts to complete the process.
If you need a new Android phone from the world’s best brands and prefer to pay later, consider the MTN Pick and Pay Later service today.
READ: How to check your MTN number in Ghana
Please remember, if your phone gets lost after purchase, you will still be required to pay for the service. Keep your phone safe to enjoy its full value under this scheme.
The Ghana Education News Editorial Team is a specialized collective of education researchers, journalists, and policy analysts dedicated to providing high-fidelity reporting on the Ghanaian academic landscape. Serving as a primary bridge between governing bodies—including the Ghana Education Service (GES) and WAEC—and the public, the team leverages over a decade of combined experience to serve students, parents, and educators nationwide.
Lead Architect & Editor-in-Chief
The team is led by Wisdom Kojo Eli Hammond, a distinguished Ghanaian Edu-Tech Entrepreneur, AI Solutions Developer, and Product Architect with over 25 years of cross-disciplinary experience in education, finance, and digital media. Wisdom is the visionary force behind SkulManager, Ghana’s premier school management ecosystem, and the Lead Consultant at Education-News Consult.
A self-taught innovator, professional Web Designer, and regular columnist on GhanaWeb, Wisdom engineered SkulManager.com as the only platform strictly tailored to the GES Curriculum. His technical leadership has redefined educational assessment through a Hybrid Marking Ecosystem, pioneering the BECE and WASSCE Home Mock services—a unique fusion of WAEC-trained human examiners and advanced AI marking engines operational since 2022.
Wisdom’s 360-degree view of institutional challenges is grounded in his tenure as College President and Lecturer at Pinnacle College (Achimota), as well as his background as a school administrator and accountant. He is a dedicated lifelong learner currently advancing his studies at the Accra Institute of Technology (AIT), with academic ties to the University of Professional Studies, Accra (UPSA).
An accomplished author, his works include Returnees of the Dead Forest (UK Published), Simplified Beacon of Light (850+ Q&A), and The Leader in Me. A foundational pillar of the award-winning NGO Human Rights Reporters Ghana (HRRG), Wisdom is committed to building intelligent systems that solve societal problems and prepare the next generation of Ghanaian students for a digital future.
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