Don't wait.
Own it today.
Get the smartphone or electronics you want now. Pay small-small using Airtel Money & TNM Mpamba via USSD & Web. No bank account required.
Buy what you love.
Debt-Free.
A payment solution that allows you to buy without relying on traditional credit. Perfect for everyone.
No Credit Checks
Lay-by is simply paying in advance. You are pre-approved immediately. Your credit score is never checked and never impacted.
Zero Interest. Ever.
The price you see is the price you pay. We don't charge hidden fees, interest rates, or late penalties ever.
Flexible Terms
Lock in today's price by paying a small deposit. Complete the payment anytime within up to 90 days. It works around your schedule.
Today's Deals
Epic deals you can lock in today with a small deposit.
How FlexBuy Works
Safe, simple, and secure.
1. Find a Merchant
Browse our directory to find a verified shop near you.
2. Select a Product
Browse the merchant's catalogue and choose the product you want to buy.
3. Pay a Deposit
Use the merchant's USSD code or the FlexBuy website to pay a small deposit via Mobile Money.
4. Collect Item
Pay the rest over up to 90 days. Once done, pick up your brand new product!
Get the things you want,
when you want them.
Join thousands of smart shoppers using Digital Lay-by to secure their dream electronics without the debt trap.
Shop with Confidence
Your security is our priority. Every transaction on FlexBuy is protected by verified merchants, transparent pricing, and secure mobile payments.
Verified Merchants Only
Every merchant on FlexBuy operates a registered business and has been verified by our team before being listed on the platform.
Real Physical Locations
All listed merchants have a confirmed physical business address. You always know exactly where to find them and collect your products.
Secure Mobile Payments
All payments are processed securely through Airtel Money and TNM Mpamba. Your funds are held safely until you collect your item.
Do more with FlexBuy
Whether you want to pay an existing lay-by, grow your business, or earn commissions as an agent, we have the tools for you.
Pay Installment
Already have an active lay-by? Easily make a payment from anywhere without visiting the store.
Make a Payment
Become a Merchant
Stop using paper notebooks to track debt. Offer lay-by to your customers with guaranteed payments.
Register your Shop
Join as an Agent
Earn money by registering new shoppers, processing lay-by deposits, and facilitating installments.
Become an Agent