Frequently asked questions

Choose an iPhone, then complete the online application: your details, ID documents, your M-Pesa statement and a next-of-kin contact. Review everything and submit. Our team reviews every application.

Your national ID, an active phone number and email address, and your M-Pesa statement. The application tells you exactly which documents to upload.

We only contact your next of kin if we cannot reach you about your application or financing. They are not a guarantor and are not responsible for any payments.

You can request a full M-Pesa statement from the M-PESA app or by dialling the Safaricom statement service. Upload the PDF exactly as you receive it. We will never ask for your M-Pesa PIN.

Identity verification protects you and us against fraud and is part of our responsibilities as a financing provider.

Keep your application reference. You can follow your application in the Apenia app, and we will contact you about the outcome and next steps.

Where financing terms have been approved for a device, they are shown on its product page. Final terms are confirmed only if your application is approved.

Documents are stored privately and encrypted, sensitive identifiers are encrypted in our database, and only authorised staff can access them. See our Privacy Policy for details.