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
To access Senti loans, you can use the mobile app.
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
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
Representative Example of Loan Costs
Here is a breakdown of potential loan costs when using the Senti Loan App:
| Loan Amount | Processing Fee (10%) | Interest Rate (15%) | Total Amount to be Repaid |
| Ksh 1,000 | Ksh 100 | Ksh 150 | Ksh 1,250 |
| Ksh 5,000 | Ksh 500 | Ksh 750 | Ksh 6,250 |
| Ksh 10,000 | Ksh 1,000 | Ksh 1,500 | Ksh 12,500 |
Alternative Lenders to Consider
To get help resolving any Senti Loan App issues, contact them on 0712517910 and speak to a representative.
