Pay Later
A Digital World For All
Pay Later is our solution to democratize digital devices access in Africa.
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We are combining financing and supply chain optimization to make digital devices more affordable, enabling more people to get online.
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Flexible Payments: No more big upfront costs. Our payment plans let you pay over time, making it easier to afford the tech you need.
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Lower Prices: We’ve reduced device costs by up to 45%, putting more affordable devices in your hands.​​
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Pay Later is enabling the impact of local tech startups and advancing SGD 1 (No Poverty), SDG 2 (Zero Hunger), SGD 4 (Quality Education), SGD 8 (Decent Work and Economic Growth) and SGD 13 (Climate Action).​​
The
Challenge
Money. Money. Money.
In today's world, digital devices are everyday tools—integral to communication, learning, and economic opportunity. Yet, every day, the global economy fails around a third of the world’s population—smallholder farmers, refugees, youth, and women —who lack access to digital technologies and cannot fully participate in an increasingly digital society.
In Sub-Saharan Africa alone, around 60% of the population does not use mobile internet despite having coverage, and a key barrier is smartphone affordability which can cost up to a third to half of the average person's income.
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Ongoing Programs
We work in partnership with local tech startups, community organizations, and governments to bring Pay Later to different communities in Africa.
HagushXFarmIT
We're financing smartphones for smallholders farmers in Kenya in partnership with FarmIT, an agri-tech startup.
FarmIT's technology leverages earth observation tools to aid farmers in making optimal decisions at critical stages of the crop production cycle, resulting in higher agricultural yield, lower fertilizer needs, and higher income.
HagushXStepUpOne
We're financing laptops for refugees in Kenya in partnership with StepUpOne, a social enterprise that re-skills and employee refugees,
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"I can't express enough gratitude to Hugush for their outstanding service. Ordering a laptop from Uganda to support my education and work was made incredibly easy thanks to their exceptional communication and cooperation. Buying a laptop in today's market from Africa can be challenging, both financially and in terms of finding a genuine product. Hagush exceeded my expectations. The laptop arrived in perfect condition—brand new, original, and exactly as advertised. Thank you, Hagush, for making this process so smooth and stress-free."
— Sausen Tedros