Senti is a mobile microcredit application in Kenya that enables people to easily borrow money, manage assets, and make bill payments through the app. Senti offers loans of up to 120 days with fixed interest rates and flexible payment support.
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Welcome to the efficient financial journey with Senti. We are proud to introduce you to a reliable partner in achieving your financial dreams. Senti Loan is not just a personal loan app but also a bridge between you and a brighter financial future. With an easy registration process, attractive interest rates, and flexible borrowing options, we are ready to assist you in reaching your financial goals. Start a fresh and exciting financial journey with the Senti App today.

Financial Services Offered by Senti

Senti provides financial services to customers in Kenya. Here are some of the services we offer:

Instant Personal Loans

Senti Loan provides instant online personal loans, allowing you to access cash quickly when needed. These products typically have fast processing times and can be approved within minutes, catering to urgent situations or sudden daily expenses.

Large Personal Loans

In addition to small personal loans, Senti offers larger personal loans for you to undertake significant projects such as home renovations, education expenses, or long-term travel plans. These larger loans are designed to support your long-term financial goals.

Conditions and Procedures for Borrowing Money at Senti

To borrow money with Senti, you need to follow certain conditions and complete some basic procedures as outlined below:

Basic Conditions

  • You must meet the age requirement set by Senti, typically 18 years or older.
  • You must be a Kenyan citizen, residing and working within the country.
  • Senti will review your credit profile to assess your repayment capability.
  • The application requires you to provide personal information and document images.

Steps for Borrowing Money

Step 1: You need to download the Senti APK/IOS App or visit the fast loan registration website. Download the app at

Step 2: After registering, you’ll provide personal and basic financial information to verify your identity and financial capacity. This includes:

  • Personal Information: Full name, address, email, phone number…
  • Employment Information: Job title, address, phone number
  • Banking Information
  • Document images and portraits.

Step 3: During the registration process, you select the loan amount and repayment term.

Step 4: Review your information and confirm your application. Senti will assess your application within 10 to 30 minutes.

Step 5: Once your application is reviewed and approved, the funds will be transferred to your bank account.

Note: Before applying for a loan on the app, make sure to familiarize yourself with the policies and terms. If it aligns with your needs, proceed with the loan application.

Information About Loans on the App

Here is the information about loans on Senti’s app, specifically as follows:

  • Loan limit of up to 70,000 KSh.
  • Loan interest rates ranging from 15% to 20%.
  • Repayment period of up to 120 days.
  • All fees on the app are entirely free.
  • Customers repay loans in installments.

Note: Specific interest rates and loan limits may vary based on various factors, including your credit history and specific conditions set by Senti.

Pros and Cons of Senti Loan App


  • Fast approval, providing quick access to cash in urgent situations.
  • The app allows flexible loan amounts to meet various financial needs.
  • Simple and intuitive online loan application process.
  • Senti ensures the integrity and security of your information.
  • The app offers flexible repayment plans.


  • Poor credit profiles may incur high-interest rates.
  • Approval system can be slow during periods of high traffic.
  • The loan repayment period may not suit all customers.
  • The app is not available on Google Play and the App Store.

Payment Instructions for Senti Loans

To make a loan payment on the Senti app, follow these steps:

  1. Log in to your account on the app.
  2. Find the payment section.
  3. Enter payment information (amount and payment source).
  4. Confirm and submit the payment.
  5. Receive a payment confirmation.

Senti allows you to make payments through bank transfers, internet banking, or the M-Pesa mobile wallet using Paybill number 517910. Choose the payment method that suits you best.

Is it okay to be late with Senti loan payments?

Being late with your Senti loan payment can have undesirable consequences and potential issues, including:

  • Being required to pay a late fee for missing the due date.
  • Your credit profile may suffer, making it difficult to qualify for future loans.
  • Increasing the amount you owe on time, as interest rates may rise.
  • Violating the loan agreement, which may lead to legal actions by Senti.

Contact Information

Here is the contact information for Senti:

  • Official Website:
  • Contact Phone Number: 0712517910

You can visit Senti’s website for more detailed information, FAQs, and to explore the products and services they offer. If you need assistance or have specific questions, you can contact their support team using the provided phone number for help.

Senti App is an online personal loan application in Kenya with many advantages, such as quick approval, small loan options, an easy registration process, and competitive interest rates. We hope this article has been helpful to everyone, and we wish you all success and good luck.

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