How to get a loan from Senti Loan App

The Senti Loan App offers loans ranging from Ksh 1500 to Ksh 70,000 with flexible repayment periods. Approval is quick, typically taking at least 3 hours. Interest rates vary between 15% and 20%, with a repayment period of up to 120 days. To check your limit and apply, download the Senti Loan App.

Disbursement Details

How to Access/Register for the Loan

Senti Loan App in Play Store screenshot

To access Senti loans, you can use the mobile app.

Senti Loan App: Download from the Senti Website or the Google Play Store.

How to Apply for the Loan

Download the Senti app on your mobile device.
Register your correct details on the Senti mobile app.
Verify your details with the One Time Password (OTP) sent to you.
Apply for a loan and get fast cash sent directly to your M-Pesa.

Total Cost Breakdown (Loan Fees)

Interest Rate:15%–20%, depending on repayment duration
Processing Fee: one-time service fee of 10-15% on your principal loan
Taxes: Included in the processing fee
Insurance: is optional and varies by loan amount
Withdrawal Fee: As per Mpesa charges
Late Payment Penalties: 7.5% of loan amount
Other Fees: None

Repayment Details

To repay your Senti loan, you have two convenient options:

Via the Senti App:
- Open the Senti app on your mobile device.
- Click on “Pay Loan.”
- Enter your M-Pesa PIN on the M-Pesa toolkit that appears on your screen.
Via M-Pesa:
- Go to your Safaricom menu and select M-Pesa.
- From the M-Pesa menu, select Lipa na M-Pesa.
- Choose the Pay Bill option.
- Enter the business number 517910.
- Input your registered phone number as the account number.
- Enter your payment amount.
- Input your M-Pesa PIN.
- Confirm that all details are correct and press OK.

Senti allows early repayment, which can reduce the overall interest you pay. You can make partial payments anytime, on or before your due date.

Eligibility Requirements

To be eligible for a Senti loan, applicants must meet the following criteria:

Be a Kenyan citizen aged 18 and above
Have a valid national ID
Own a registered and active Mpesa account for at least 6 months.
Provide accurate registration details
Have a good credit history

Download the app on Play Store

Other Advantages of Senti

You can Buy Airtime straight from your Senti App
You can now Lipa Stima or your water Bill with your Senti Loan
Track your income vs your spending with our wealth management feature
Share Senti with your friends and family to help them sort their Financial Emergencies