Across KOKO's 3 payments, that's a total of — — including the 12% plan fee. We'll show genuine products whose KOKO plan fits inside it.
Enter a price to see your plan.
Enter a per-installment budget to see matching products.
Estimates only. KOKO approval, eligibility and any late-payment fees are handled on KOKO's secure platform — DreamTek never sees your card details. Prices shown are today's catalogue prices in LKR.
How KOKO installments work at DreamTek
KOKO is a "buy now, pay later" service used across Sri Lanka. Instead of paying the full price upfront, you split it into 3 equal installments: the first when you place the order, then one a month for the next two months. You get your genuine product straight away. KOKO charges you no interest on the three payments, but the plan carries a 12% fee, so a KOKO order totals 12% above our catalogue price — the calculator above already includes it.
Use the calculator above to see the plan, then tap Order this product and write "KOKO" in the note field when you place the order. We'll call you back to set up the schedule and confirm delivery. Prefer to pay differently? Cash on delivery and bank transfer are always available, and both cost the catalogue price.
What you need to use KOKO
- A Sri Lankan mobile number and NIC
- A debit or credit card to set up the installment schedule
- Quick approval from KOKO (handled on their side — we never see your card details)
Popular things to split into 3 payments
KOKO shines on mid-priced buys where spreading the cost makes a real difference:
- Smartphones — spread the cost of a new daily driver
- Tablets — see our best tablets in Sri Lanka guide
- Smartwatches and wireless earbuds
- Power banks and other accessories
Want the full picture first? Read how KOKO installments work for buying electronics in Sri Lanka, or just check our FAQ or place the order and note your question — we call every order back before dispatch.
Frequently asked questions
How does the KOKO installment calculator work? expand_more
Enter a price (or pick a product) and the calculator adds the 12% KOKO plan fee, then splits the total into KOKO's 3 equal payments — the first at checkout, then one a month for the next two months.
Does KOKO cost more than paying cash at DreamTek? expand_more
Yes, slightly. KOKO charges no interest on the three payments themselves, but the plan carries a 12% fee, so a KOKO order totals 12% above the catalogue price. Paying cash on delivery or by bank transfer costs the catalogue price. Also check KOKO's own current terms for any late-payment fees.
How many installments does KOKO split my purchase into? expand_more
Three equal installments over about 60 days: pay the first when you place the order, the second a month later, and the third the month after that.
What do I need to buy on KOKO at DreamTek? expand_more
A Sri Lankan mobile number and NIC, a debit or credit card to set up the schedule, and KOKO's quick approval. DreamTek never sees your card details. Cash on delivery and bank transfer are also available.
How do I actually order on installments? expand_more
Use the calculator to see your three payments, tap Order this product, and write 'KOKO' in the order note. We call every order back before dispatch, and that's when we set up the installment schedule and confirm delivery.