Own It Today, Pay for It Slowly
At Skywave, we understand that sometimes the product you need today may not fit comfortably within your current budget. That is why we have partnered with Kifaru Pay to provide a secure, transparent, and convenient savings and payment platform through our Lipa Pole Pole program.
Lipa Pole Pole allows you to save towards your desired product and make payments gradually over time without paying interest for up to 90 days. Once your payments are complete, you can collect your item or have it delivered to your preferred location.
Originally available only to selected loyal customers, Lipa Pole Pole is now open to everyone shopping on Skywave.
How it works
Step 1: Select Your Product
Browse through thousands of products available on Skywave and choose the item you would like to purchase.
Our product categories include:
- Home Appliances
- Kitchen Appliances
- Automotive Accessories
- Electronics
- Televisions
- Solar Products
- Power Tools
- Farm Equipment
- Furniture
- Security Equipment
- Public Address Systems
- Fitness Equipment
- And much more
Step 2: Create a Savings Plan
On the product page, click "Create a Savings Plan."
You will be redirected to our secure Kifaru Pay platform where you can:
- Create an account
- Set your savings target
- Track your payments
- Monitor your balance
- Receive payment confirmations
Step 3: Make Flexible Payments
You can contribute:
- Daily
- Weekly
- Bi-weekly
- Monthly
Payments can be spread over a period of up to 90 days with 0% interest.
There are no penalties for making payments earlier than planned.
Step 4: Complete Your Payments
Once the full amount has been paid:
- Collect your item from Skywave, or
- Request delivery to your preferred location at applicable delivery charges.
payments.
Benefits of Lipa Pole Pole
No Interest for Up to 90 Days
Pay for your product gradually without worrying about interest charges.
Flexible Payment Schedule
Make payments at your own pace depending on your income and budget.
Transparent Dashboard
Track all payments and balances through the Kifaru Pay platform.
Access to Thousands of Products
Choose from a wide variety of products available on Skywave.
Secure Payment Tracking
Every payment is recorded and visible on your account dashboard.
Product Availability Policy
Skywave stocks thousands of products, and inventory levels may change during your savings period.
If the product you are paying for becomes unavailable before you complete payment, you may:
Option 1: Wait for Restocking
You may choose to continue with the savings plan and wait for the product to be restocked.
Option 2: Choose Another Product
You may transfer your savings towards another product of your choice.
If the new product costs more, you will pay the difference.
If the new product costs less, the balance will be adjusted accordingly.
Price Change Policy
Product prices may occasionally change due to:
- Supplier price adjustments
- Import costs
- Currency fluctuations
- Market conditions
If the price of a product increases while you are still making payments:
- The customer will be required to top up the difference before collection or delivery.
If the price decreases:
- The customer's final balance will be adjusted accordingly.
Skywave does not guarantee product prices unless the reservation requirements below have been met.
Product Reservation Policy
If you want a specific item reserved exclusively for you, a minimum deposit of 60% of the product value is required.
Benefits of a reservation include:
- Product held specifically for you
- Protection from stock-outs
- Greater price stability during the reservation period
Products with less than a 60% deposit are not considered reserved and may be sold to other customers.
Collection and Delivery
After completing payment:
Collection
You may collect your product from our designated pickup location.
Delivery
We can arrange delivery to your preferred location at the applicable delivery fee.
Delivery charges depend on:
- Product size
- Product weight
- Delivery destination
Refund Policy
Should you decide to cancel your savings plan, a refund may be requested.
Refunds will be processed less a 10% facilitation fee.
The deduction covers:
- Kifaru Pay transaction and platform costs
- Administrative processing costs
- Account management expenses
Example:
If you have saved Ksh 20,000 and request a refund:
- Refund amount = Ksh 18,000
- Facilitation fee = Ksh 2,000
Refunds are typically processed within the applicable processing period after verification.
Important Terms and Conditions
- Lipa Pole Pole is a savings and payment program and does not constitute a credit facility.
- Ownership of the product remains with Skywave until full payment has been made.
- Products will only be released after full payment has been received and verified.
- Stock availability is subject to supplier and inventory conditions.
- Product prices may change during the savings period unless the item has been reserved under the reservation policy.
- A minimum deposit of 60% is required to reserve a specific product.
- Refunds attract a 10% facilitation fee.
- Delivery charges are separate from the product price unless otherwise stated.
- Skywave reserves the right to update these terms and conditions at any time.
- By creating a savings plan and making payments, the customer agrees to these terms and conditions.
Start Your Savings Journey Today
Whether you are purchasing a television, refrigerator, washing machine, power tool, solar equipment, furniture, farm machinery, or automotive accessory, Skywave's Lipa Pole Pole program makes it easier to own what you need without financial pressure.
Browse products on Skywave.co.ke and create your savings plan today. Based on the previous version provided in your document , this updated version replaces the old manual Paybill process with the new Kifaru Pay-powered savings platform while keeping the key customer protections and refund terms.
Skywave aims to provide the best service and offers the flexibility to choose another product if a customer decides to discontinue the contract, given the wide range of available products.
Brands we offer
For a more detailed explanation of the differences between Lipa Pole Pole and Lipa Later, read the article below. This comprehensive guide breaks down how each payment method works, highlighting the benefits and potential drawbacks of both. You'll discover why Lipa Pole Pole might be the better choice for those looking for flexibility and lower financial pressure, while also learning about the costs and commitments associated with Lipa Later.
By the end of the article, you’ll have a clear understanding of which payment plan suits your needs best, allowing you to make informed decisions when shopping for products like those offered by Skywave. Don't get caught off guard—know your options and choose the payment method that works for you.
