BOL Credit

Micro-credit that grows with you

Purchase a smartphone from BOL Credit, paid weekly with Afrimoney or Orange Money. Every on-time payment builds your credit record, which can unlock new products as we launch them.

FK

Next payment

Le 130

Due Friday · Galaxy A16

18 of 52 weeks paid · all on time

74

BOL score

Gold tier

  • Discount on your next phoneYours
  • Second device, airtime top-upSoon
  • Electricity credit, insuranceSoon

Your payment code

BOL-4821-0716

Pay in the BOL app

BOL score · tier move

68 → 74

Bronze
Silver
Gold
Platinum

12 on-time weeks in a row moved Fatmata up to Gold.

Your payments

All on time
  • Week 18 · AfrimoneyLe 130 · On time
  • Week 17 · AfrimoneyLe 130 · Paid early
  • Week 16 · AfrimoneyLe 130 · On time

There's a BOL agent near you

Our trained agents live and work in the towns they serve. Getting a phone starts with one WhatsApp message.

1

Choose your town to chat with us on WhatsApp

My town isn't listed
Licensed
Micro-credit lender, Bank of Sierra Leone
Le 100
Weekly plans start from
2 outlets
Lungi and Makeni, more coming soon
39 or 52
Weeks to pay, your choice

Your phone, paid weekly

One down payment. The same amount every week. No hidden fees.

Samsung Galaxy A06

Galaxy A06

Simple and reliable

Le 100 a week

Down payment Le 550

Samsung Galaxy A07

Galaxy A07

More space for photos and apps

Le 110 a week

Down payment Le 600

Popular
Samsung Galaxy A16

Galaxy A16

Bigger screen, longer battery

Le 130 a week

Down payment Le 800

Samsung Galaxy A17

Galaxy A17

Our best phone, built to last

Le 140 a week

Down payment Le 900

Prices as of October 2026. Your agent or outlet will confirm the latest price before you sign.

Simple for you, smart underneath

Our technology connects your phone, your payments, and your score, so everything just works.

Your score

Every payment counts

Pay on time and your BOL score grows. A higher score means a better price on your next phone, or access to a new financial product.

Your phone

No guarantor needed

Sign one simple borrower form and take your phone home the same day. If a payment is late, the phone locks. Pay, and it unlocks.

  • On timeUnlocked
  • Payment lateLocked
  • PaidUnlocked again

Your phone needs to be connected to the internet so it can unlock when you pay.

Your payments

Pay in the BOL app

Pay from your phone with Orange Money or Afrimoney. Your loan updates straight away.

  1. 1Open the BOL app and pay
  2. 2Your loan updates instantly
  3. 3Your phone stays unlocked

Questions, answered

Can't find what you need? Your local agent is one call away.

Find an agent
  • Your ID card, your phone number and address, and the down payment for the phone you choose. Your agent goes through the borrower form with you, and you sign it. You take your phone home the same day.

The BOL team and agents in Sierra Leone

Become a BOL agent

Earn on every phone. Trained in person, paid to Afrimoney or Orange Money.

Apply now

Come and see us

Building the credit layer for West Africa

We work with investors, lenders, device makers, and mobile networks who want to reach the next generation of borrowers. Send us a note and we'll get back to you.

Read our story