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Senti Loan App: How to Get a Senti Loan

By Oluchukwu Ikemefuna

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The Senti Loan USSD code has changed the way individuals access financial assistance, offering a seamless and convenient avenue for obtaining instant loans. 

The Senti Loan App has also emerged as a convenient solution, providing users with easy access to funds whenever they need it.

Whether it’s unexpected medical bills, car repairs, or simply making ends meet until the next paycheck, having access to quick and reliable loans can make all the difference. 

By simply dialing a few digits on their mobile phones, users can unlock a world of financial possibilities, empowering them to address pressing needs with ease and speed.

In this piece, we’ll be reviewing all you need to know about Senti Loan and its Features.

What is a Senti Loan?

A senti loan is a type of small loan available through a mobile application called SENTI. 

This app enables users to easily request and repay loans directly from their mobile devices, without needing to visit a physical bank or lender. 

In Kenya, these loans are facilitated by RoamTech, a registered company authorised to provide short-term loans in the country.

This means that individuals in need of quick financial assistance can access these loans conveniently through their smartphones, making the borrowing process more accessible and convenient for them.

Read also:Chowdeck: a Closer Look into the Fast Growth of the Food Delivery Startup 2024

What is a Senti Loan App?

Senti Loan App is a cutting-edge financial platform that offers instant loans to individuals in need of quick cash. 

With its user-friendly interface and efficient application process, Senti Loan App has gained popularity among borrowers seeking hassle-free access to funds.

Whether you’re facing an unexpected expense or simply need extra cash to tide you over until your next paycheck, Senti Loan App has you covered.

How Does Senti Loan App Work?

Getting a loan through Senti Loan App is a straightforward process that can be completed in just a few simple steps.

  • Download the App: 

The first step is to download the Senti Loan App from the Google Play Store or Apple App Store. The app is free to download and can be installed on any compatible smartphone.

  • Register an Account

Once the app is installed, users are required to register an account using their personal information, including their name, phone number, and email address. This information is used to verify the user’s identity and determine their eligibility for a loan.

  • Complete the Application:

After registering an account, users can proceed to complete the loan application form within the app. The application typically requires basic information such as employment status, monthly income, and bank account details.

  • Submit Documentation: 

In some cases, Senti Loan App may request additional documentation to verify the user’s identity and income. This may include uploading photos of official identification documents, such as a passport or driver’s license, as well as recent pay stubs or bank statements.

  • Receive Approval Decision: 

Once the application and documentation have been submitted, Senti Loan App will review the information provided and make a decision regarding the loan approval.

This process typically takes just a few minutes, and approved users will receive a notification confirming their loan eligibility.

  • Receive Funds: 

If the loan application is approved, the funds will be disbursed directly to the user’s bank account (M-Pesa)within a matter of hours.

This allows borrowers to access the cash they need quickly and conveniently, without any unnecessary delays.

Read Also: Kuda Bank Introduces Loans for Salary Earners after Hitting New Record

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: Leja Loan: How to Access it

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:

  • 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.

  • 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.

  • 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.

Read also: How to View and Remove Google Chrome’s Incognito History

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.

Read also:Request Loan: How to Apply for a Personal Loan in 2024

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: M-shwari Soft Loan Requirements

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: How to Pay Mshwari Loan

Benefits of Using Senti Loan App

There are several key benefits to using Senti Loan App for your borrowing needs:

  • Instant Approval: 

With Senti Loan App, users can receive instant approval for their loan application, allowing them to access funds quickly and without delay.

  • Flexible Repayment Options: 

Senti Loan App offers flexible repayment options, including automatic deductions and manual repayments, to suit the individual preferences of borrowers.

  • No Collateral Required: 

Unlike traditional loans that often require collateral, Senti Loan App offers unsecured loans, meaning borrowers don’t need to put up any assets as security.

  • Transparent Terms and Fees: 

Senti Loan App prides itself on transparency, with clear terms and fees outlined upfront so borrowers know exactly what to expect.

  • User-Friendly Interface: 

The Senti Loan App features a user-friendly interface that makes the loan application and repayment process quick and easy for users of all backgrounds.

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

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 Senti Loan App?

Senti Loan App is a financial platform that provides instant loans to individuals in need of quick cash. It offers a user-friendly interface and efficient application process for hassle-free borrowing.

How do I apply for a loan through Senti Loan App?

To apply for a loan, simply download the Senti Loan App from the Google Play Store or Apple App Store, register an account, complete the application form, submit any required documentation, and wait for approval.

What information do I need to provide during the application process?

During the application process, you’ll be asked to provide basic personal information such as your name, phone number, email address, employment status, monthly income, and bank account details.

How long does it take to get approved for a loan?

The approval process typically takes just a few minutes. Once you’ve submitted your application and documentation, Senti Loan App will review the information and notify you of the decision via the app.

What are the repayment options available?

 Senti Loan App offers flexible repayment options, including automatic deductions from your bank account on the scheduled repayment dates or manual repayments made through the app before the due date.

How fast can you get a loan in Senti?

Once approved, you will have the loan sent to your M-Pesa number instantly.


Senti Loan App emerges as a top choice for individuals in need of quick and convenient access to funds. With its simple application process, instant approval, and flexible repayment options, Senti Loan App offers a hassle-free borrowing experience for users.

Whether you’re facing an unexpected expense or simply need extra cash to tide you over, Senti Loan App has you covered. Download the app today and take control of your finances with ease.



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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: 148

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