If you’d like to pay in installments, Vivid Gold offers flexible financing options:
Aspira & I&M Bank – Pay in installments while using your product.
Vivid Gold Easy Pay (In-House) – Pay in 3 monthly, interest-free installments, with the product released after the final payment.
| Option | How It Works | Requirements | Key Notes |
| Aspira (Lipa Baadaye) | Finance your purchase with monthly installments from 3 to 12 months. - Steps: Make down-payment → Sign contract → Receive product. | - Copy of National ID - 3 months MPESA or Bank Statements - Latest payslip (if employed) |
- Credit limit evaluated on income, expenses & existing commitments. - Must be an existing Aspira customer who has successfully cleared a loan before. |
| I&M Bank (Spot It) |
Use your I&M Bank account to access the ‘Buy Now, Pay Later’ feature in the I&M app. Steps: Open your app → navigate to the ‘Buy Now, Pay Later’ tab, → select ‘Short-Term Loan’ → Opt in to view your available loan limit. |
- Must have an I&M Bank account | - Loan limit determined by the bank. - If loan limit is less than the product value, you are required to top up the difference directly with Vivid Gold. - Product purchase is processed from approved merchants list on I&M Bank app. |
| Vivid Gold (Easy Pay) | Pay in 3 monthly, interest-free installments directly to Vivid Gold. Product is released only after the final installment. | - Create Customer account with Vivid Gold, or use existing account if you already have an account with Vivid Gold - Payments via MPESA or Card link |
- Each payment credited to your account with a Credit Memo. - Free delivery for Easy Pay customers. - Cancellation and Request for Refund before completion attracts 10% cancellation fee. |
