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Airtel Smartphone Finance
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Upgrade to a 4G smartphone today with Airtel Smartphone Pankongole

Airtel is making it easier than ever for customers to own a brand-new 4G smartphone. Through the Airtel Smartphone Pankongole handset financing program, existing Airtel customers can upgrade from a 2G or 3G device to a 4G smartphone with an affordable upfront payment and flexible weekly installments.

Stay connected to faster internet, enjoy better digital experiences, and access the benefits of a 4G smartphone without paying the full cost upfront.

How It Works

Choose Your Plan:

Choose Your Plan:

Flexible payment plans designed to make smartphone ownership accessible.
Enjoy Free Data:

Enjoy Free Data:

Stay up to date with your repayments and enjoy 100MB of free data every day for six months, helping you stay connected while enjoying your new 4G smartphone.
Easy Payments:

Easy Payments:

Make repayments via the Airtel App, USSD (*492#) all payments go through your Airtel SmartCash wallet.

Eligibility

Simply dial *522# to check if you qualify or visit any Airtel shop

Why Choose Airtel Smartphone Finance?

Designed for Airtel customers with repayment flexibility.
Convenient repayment with instant handset lock/unlock tied to your payment status.
Access to Airtel’s fast 4G network and daily bonus data.

FAQs

Airtel Handset Financing is an option for Airtel’s existing customers to upgrade from 2Gor 3G handsets to 4G smartphones at an affordable upfront payment, with flexible daily or weekly repayment plans.

Currently, the Itel A50 handset is available. More models may be introduced in the future.

All existing Airtel customers with an active SmartCash account can apply. Eligibility can be checked by dialing *492#

  • Original National ID (copy or physical)
  • No active Airtel loan under device credit scheme
  • Active Airtel SmartCash account
  • Next-of-kin contact details (must be verifiable online)
  • Minimum cash-in of ₦19,000 or ₦21,000 in SmartCash account for down payment

Payments can be made via the Airtel App or by dialing *492#, selecting option 1, and then option 4 for loan repayment.

The smartphone will be locked if a repayment is missed. It unlocks automatically once repayment is made and data connectivity is active.

The customer remains liable for full loan repayment. A police report with IMEI details should be filed, after which Airtel will block the handset to prevent misuse.

Yes. Dial *492# from any Airtel SIM to make payment and unlock the phone.

Visit any CarlCare Service Center or an Airtel Shop for assistance.

Yes. Customers get 100MB daily data (valid for 24 hours) after each successful weekly repayment. Data does not roll over.

Yes. Regular Airtel data bundles can be purchased through usual channels or via *492#, option 6

The phone will remain locked until all missed payments are cleared. For example, two weeks of default require two weeks’ payment before unlocking

Yes. Customers may pay for multiple weeks at once (e.g., 1 week = ₦5,800, 2 weeks =₦11,600, 3 weeks = ₦17,600)

Yes. Full repayment is allowed. Customers should check *492# for their outstanding balance before paying.

The device will remain permanently unlocked.

Airtel reserves the right to use all legal and authorized means to recover the financed smartphone.

Two options: a 4-month plan and a 6-month plan

4-month plan: ₦21,000 initial payment, ₦5,800 weekly repayment.

6-month plan: ₦19,000 initial payment, ₦4,500 weekly repayment.

Airtel chose weekly payments to make repayment cycles easier and more manageable for customers, as monthly payments may be too high.