These are the full terms of our savings plan. Please read them before you start — you'll be asked to confirm you accept them, and a copy of the version you agreed to is kept against your plan.
This is not credit. Nothing is lent to you, no interest is charged, and there is no credit check. You are saving towards an item that stays with us until it is fully paid.
Lipa Mdogo Mdogo is available on items priced from KES 20,000 upwards.
A deposit of 20% of the item price activates your plan. Until that deposit is received the plan is not active and no item is reserved.
We reserve the model you selected, not one specific physical unit. The item you collect will match the specification on your plan. Where a model becomes genuinely unavailable, we will offer you an equivalent or better item at no extra cost, or a full refund of everything you have paid, with no fee.
The price recorded on your plan is fixed for the full 90 days. It will not increase, whatever happens to our shelf prices in the meantime.
Where an item is on special offer, the offer price applies to paying in full at the time of purchase. A plan for that item is based on its regular price, which is shown to you before you sign up and recorded on your plan. Items that are not on offer are unaffected — the plan price is simply the price on the item.
If an item goes on offer after your plan has started, your plan keeps the price already recorded on it. A plan is never re-priced once it has begun, upwards or downwards.
You have 90 days from the day your plan starts to pay the balance in full. There is no fixed instalment amount or schedule — pay whatever you can, whenever you can, within that period.
Every payment is recorded against your plan. You can check your balance and full payment history at any time on our Lipa Mdogo Mdogo page using your plan number and phone number. Please keep your own M-PESA messages as a second record.
Once your plan is fully paid, you may collect your item from our shop at Superior Centre, 3rd Floor, Nairobi CBD. Please bring valid photo identification. The person named on the plan must collect it, unless you have arranged otherwise with us in writing.
Delivery is not included and is charged separately at cost, depending on your location.
You may cancel at any time. Within the first 7 days of starting, you receive a full refund of everything paid, with no fee.
After that, an administration fee of 5% of the amount you have paid, capped at KES 2,500, is deducted and the balance refunded to you. The fee is never charged on the item price — only on what you actually paid.
You may instead take the full amount as store credit, with no fee deducted at all (clause 10). That choice is always yours — we will never issue credit in place of a cash refund you have asked for.
We check in with you around day 60 and again around day 80 of your plan, on the phone number you gave us, so the completion date never arrives as a surprise. If you change your number, please tell us.
If your plan is not completed in time, you do not lose your savings and we do not keep your money. We will contact you and you choose one of three things:
The 90 days are the full term and we do not offer an automatic extension. If your circumstances are exceptional, speak to us before your date arrives — any extra time is at our discretion and by agreement with you, and is not something you should count on.
Approved refunds are paid within 1–2 working days to the M-PESA number recorded on your plan, unless we agree otherwise with you.
Your warranty runs from the day you collect the item, not from the day you started saving. All other terms in our Returns & Warranty policy apply as normal.
We hold your name, phone number and payment history solely to run your plan, in line with our Privacy Policy and Kenya's Data Protection Act, 2019.
Talk to us first — most things are sorted quickly on WhatsApp or by email at info@coregradeelectronics.co.ke.
Terms version 2026-09-v4. The version in force when you started your plan is the one that governs it.