Lipa Later Pan-Africa

Lipa Later is a pan-African BNPL operator founded in Kenya offering consumer credit up to KSh 500,000 with up to 12-month payment plans. In August 2023, Lipa Laters partnership with Mastercard expanded the company into Kenya, Rwanda, Uganda, and Nigeria simultaneously. During 2024, Lipa Later extended into sector-specific offerings in healthcare and education financing. The company is one of the few African BNPL operators to have built genuine pan-African scale through a single brand and product. Lipa Later is one of the four operators identified in the Q1 2026 Africa BNPL Databook as central market players.