How it works
Everything, before you agree to anything.
A Nsromapa plan is hire purchase: you use the device from day one and own it outright at the end. Here is every step, every cost, and every consequence, written down in public.
Start to finish
Five steps. No surprises in any of them.
- 01
Pick your device
Browse the lineup right here and choose the one you want. Every device shows its price and the exact weekly and monthly plans up front, no shop visit needed to start.
- 02
Verify on your phone
Your Ghana Card and a 6 month MoMo statement, all from your phone. We verify your identity and run our own affordability check. Most decisions land fast. No bank account, no payslip, no guarantor hunting, and a 'no' today is often a 'yes' on a smaller device.
- 03
See the whole cost, in writing
Before anything is signed, you get a written disclosure: the price, the total you'll pay, the deposit, the instalment amount, how often it falls due, how many there are, and what happens if you fall behind. You acknowledge it with a code sent to your own phone, so nobody can agree on your behalf.
- 04
Collect from a partner within 24 hours
Once you're approved, pay your deposit and pick your device up from any Nsromapa partner shop within a day. We set it up and it's yours to use. A management profile stays on for the life of the plan (that's what lets us finance you without collateral) and it comes off for good when you finish.
- 05
You pay on your schedule, and then it's yours
Weekly, every two weeks or monthly, whichever matches how you get paid. Pay from the app in seconds, or in cash at any partner shop. When the final payment clears, ownership transfers to you automatically, the profile is removed, and you keep a repayment record that unlocks better terms next time.
What you pay
Pick the rhythm that fits.
Every plan for a device, worked out from our pricing policy, the real deposit, each term, the per period payment and the total. You choose the term; your written agreement records what you picked. Nothing here is decided by a shop.
We quote per person, not per price list. Your deposit and instalment depend on the device and on what you can comfortably manage. Tell us what you're after and we'll give you the real numbers.
If you fall behind
Nothing happens without warning.
Life happens. Missing one payment is not a crisis, and we don't treat it like one. You build up a bank of grace days by paying on time, and you spend from it when you can't. What follows is a ladder, and every rung is reversible the instant you pay.
- Before it's due
We remind you
A message a few days ahead, and again the day before. Nothing has happened to your phone and nothing is going to.
- A little behind
Some apps go quiet
Entertainment and social apps are hidden. Calls, messages, your bank, and the Nsromapa app keep working. Pay and everything is back within seconds.
- Further behind
Essentials only
The phone narrows to the things you genuinely need, calling, messaging, and paying us. We'll also try to reach you directly, because at this point we'd rather rework your plan than restrict it.
- Well past due
The device locks
It stops being usable until the arrears are cleared. Emergency calls always work. That's never disabled. The lock lifts automatically the moment your payment clears.
If you know a hard week is coming, tell us before it lands. We can extend a due date or rework the schedule, but only while the plan is in good standing. The exact timings for your plan are set out in your written agreement.
Talk to us earlyThe finish line
Last payment in, it's completely yours.
Ownership transfers automatically. You don't have to ask, apply, or pay a transfer fee. The management profile is removed, the device leaves our system, and you keep a clean repayment record you can borrow against again.
