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Senti Loan App in Kenya: How to Download and Activate

By Oluchukwu Ikemefuna

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Senti Loan is a leading financial technology solution in Kenya that has transformed the borrowing landscape with its innovative mobile application. 

It offers instant loans to users in need and provides a seamless and convenient borrowing experience. 

In this article, we will look at  how to download and activate the Senti Loan App.

What is Senti Loan?

Senti Loan is a financial service offered through the Senti Loan App, which is a mobile application designed to provide instant loans to users in Kenya. It refers to a small-scale borrowing option accessible via the mobile app named SENTI.

This application streamlines the process for users to request and repay loans directly from their mobile devices, eliminating the necessity of visiting a brick-and-mortar bank or lender. 

In Kenya, RoamTech, a duly registered company authorised to offer short-term loans, facilitates these loan services. Consequently, individuals requiring prompt financial support can conveniently access these loans through their smartphones, enhancing accessibility and convenience in the borrowing procedure.

 Read also:Zuri Loan: How to Apply

What is the Senti Loan App?

The Senti Loan App is a mobile application that offers instant loans to users in Kenya. It was developed by Senti, a fintech company aiming to provide convenient and accessible financial solutions to individuals in need of quick cash. 

With its user-friendly interface and seamless loan application process, the Senti Loan App has garnered popularity among Kenyan smartphone users seeking hassle-free borrowing options.

How to download the Senti Loan App

Downloading the Senti Loan App is a straightforward process that can be completed in just a few simple steps. Follow the instructions below to download the app to your Android device:

  • Go to the Google Play Store: 

Open the Google Play Store app on your Android device.

  • Search for “Senti Loan”: 

In the search bar at the top of the screen, type “Senti Loan” and press enter.

  • Select the Senti Loan App: 

From the search results, identify the Senti Loan App and click on it to access the app’s page.

  • Click on “Install”: 

On the app’s page, click on the “Install” button to initiate the download and installation process.

  • Wait for the Download to Complete

Depending on your internet connection speed, the download may take a few moments. Once the download is complete, the app will be automatically installed on your device.

  • Open the App: 

After installation, locate the Senti Loan App icon on your device’s home screen or app drawer and tap on it to open the app.

Congratulations! You have successfully downloaded the Senti Loan App to your Android device.

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How to Activate the Senti Loan App

Once you have downloaded the Senti Loan App, the next step is to activate it to start borrowing money. Follow the steps below to activate the app and create your account:

  • Open the App: 

Locate the Senti Loan App icon on your device and tap on it to open the app.

  • Select “Register”: 

On the app’s home screen, you will be presented with options to either log in or register as a new user. Since you are a new user, click on the “Register” button to proceed.

  • Enter Your Phone Number: 

You will be prompted to enter your mobile phone number. Ensure that you enter a valid phone number that is registered in your name.

  • Verify Your Phone Number: 

After entering your phone number, click on the “Next” button. You will receive a verification code via SMS to the phone number you provided. Enter the verification code in the designated field to verify your phone number.

  • Create a PIN:

 Once your phone number is verified, you will be prompted to create a personal identification number (PIN) for accessing the app. Choose a PIN that is easy for you to remember but difficult for others to guess.

  • Complete Your Profile: 

After creating your PIN, you will need to provide additional information to complete your profile, such as your full name, date of birth, and identification details.

  • Agree to Terms and Conditions:

Before proceeding, carefully read and accept the terms and conditions of using the Senti Loan App.

  • Submit Your Application: 

After completing your profile, review the information you have provided to ensure its accuracy. Once you are satisfied, click on the “Submit” button to submit your application for account activation.

  • Wait for Approval: 

Your application will be reviewed by Senti, and upon approval, your account will be activated, allowing you to access the loan services offered by the app.

  • Start Borrowing: 

Once your account is activated, you can start borrowing money from the Senti Loan App. Simply log in to the app using your registered phone number and PIN, select the loan amount and repayment period, and submit your loan application.

Read also: LAPO USSD Code: How to Activate and Use it

How to get Senti Loan Using USSD Code

If you find yourself in need of a loan but don’t have access to the internet or a smartphone, you might feel stuck. However, there’s still a way to get the financial assistance you need. 

Senti, unfortunately, requires internet access and a smartphone for loan applications. But don’t worry! There’s an alternative solution available through Zenka.

By simply dialing the USSD code *841# on your phone and following the provided prompts, you can easily secure a loan.

It’s a convenient option that opens up access to financial support for those who might not have smartphones or internet connectivity.

Just keep in mind that this service is exclusively available to Safaricom subscribers, so ensure you’re using a Safaricom SIM card to utilize this feature.

Read also: Top 10 Loan Apps for Urgent Loans in Kenya

What is the Senti Loan Repayment Process?

Repaying a Senti Loan is equally straightforward, thanks to the app’s convenient repayment options. Here’s how it works:

1.Loan Repayment Schedule: 

Upon receiving a loan through Senti Loan App, users are provided with a repayment schedule outlining the due dates and amounts of each installment. This allows borrowers to plan ahead and ensure timely repayment of their loan.

2.Automatic Deductions: 

Senti Loan App offers the option for automatic deductions, allowing users to set up recurring payments from their bank account on the scheduled repayment dates.

This helps to streamline the repayment process and avoid any missed payments or late fees.

3.Manual Repayment: 

Alternatively, users can choose to manually repay their loan by logging into the Senti Loan App and making a one-time payment before the due date. This gives borrowers greater flexibility and control over their repayment schedule.

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How to pay back the Senti loan

To pay back your Senti loan, you have two options:

1. Pay through the Senti app:

   – Open the app and click on “Pay loan.”

   – Enter your M-Pesa PIN when prompted on the M-Pesa toolkit that pops up on your screen.

2. Alternatively, you can pay through Senti Pay bill number: 517910.

   – Use your phone number as the account number.

   – Enter the amount due in the amount section.

You can choose to pay the full amount or make partial payments anytime before your due date.

Once your payment is processed, you’ll receive an SMS confirmation notification.

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Terms and Conditions of Senti Loan

Senti loans come with a service fee ranging from 10% to 15% of the initial amount you borrow. The shortest time you can take to pay back is 60 days, and the longest is 90 days.

You can pay off your loan early if you want without any penalty.

You have up to 90 days to pay back what you borrowed from Senti.

If you’re late on your payments, you might have to pay an extra fee of 7.5% of what you borrowed, plus the interest.

Once you’ve paid off your loan, there won’t be any more charges. But there are other rules you need to follow, so make sure to read them carefully.

Read also: Helb Portal: how to log in to your Helb Account

What are Senti Loan Credit Limits?

When you’re thinking about borrowing money from Senti, you might be curious about something called the “Senti loan credit limit.”

Basically, this is the most money Senti lets you borrow. So, whether you need a little bit of cash or a lot, this credit limit sets the boundaries.

So, your credit limit shows how much Senti trusts you. It’s their way of deciding how much they’re okay with lending you based on how you’ve handled borrowing money in the past.

And remember, it’s not just about how much you want to borrow; it’s also about how much Senti feels comfortable lending you based on your history.

Senti App offers loans ranging from Sh500 to Sh40,000 depending on your credit score and history with CRB.

The loan limits are divided into four levels:

– Bronze: Up to Sh5000

– Silver: Up to Sh10,000

– Gold: Up to Sh20,000

– Platinum: Up to Sh40,000

The loans come with interest rates ranging from 17% to 22%, depending on how long you have to repay them. If you have to repay the loan within 14 days, you’ll pay 22% interest, while it’s 17% if you have 30 days to repay.

Read also: Top 10 Loan Apps for Urgent Loans in Kenya

Senti Loan Customer care Service

If you need assistance or have inquiries about your Senti loan, don’t hesitate to reach out by dialing 0712517910.

Also, you can connect with them on popular social media platforms such as Facebook, Instagram, and Twitter to stay updated on news and announcements. 

For more detailed information about their services and offerings, you can visit their official website at www.Senti.co.ke.


What is the Senti Loan App?

The Senti Loan App is a mobile application that offers instant loans to users in Kenya.

 How does the Senti Loan App work?

Users download the app, create an account, and apply for loans. Loan eligibility and terms are determined using advanced algorithms.

What are the eligibility requirements for using the Senti Loan App?

Users must be Kenyan citizens or residents, 18 years or older, have a valid national ID, and a verifiable source of income.

How much money can I borrow with the 

Repayment periods range from 7 days to 180 days.

How do I repay loans borrowed through the Senti Loan App?

Repay loans through the app using mobile money platforms like M-Pesa or Airtel Money.

Is the Senti Loan App safe and to use?

Yes, the app employs robust encryption technologies to protect user data.

What happens if I am unable to repay my loan on time?

Contact customer support to discuss alternative repayment arrangements.

 Can I access the Senti Loan App on iOS devices?

No, the app is currently available only for Android devices.

How quickly can I receive funds after applying for a loan through the Senti Loan App?

Funds are typically disbursed within minutes after loan approval.


The Senti Loan App offers a convenient and accessible way for Kenyan smartphone users to access instant loans whenever they need financial assistance.

By following the step-by-step guide provided in this article, users can easily download and activate the app, allowing them to enjoy the benefits of quick and hassle-free borrowing.

However, it is essential to borrow responsibly and repay the loans on time to maintain a positive credit profile and avoid any adverse consequences.



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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

Articles: 90

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