Senti is a micro-credit mobile app that makes it easy for people in Kenya to access a loan, anytime, anywhere.

How to Register on Senti

• Download the Senti app
• Register your correct details on the Senti mobile app
• Verify your details with the One time password sent to you
• Apply for a loan and get fast cash sent directly to your M-Pesa

Do you know of our Friendly Loan terms?

•Up to 120-day loan product. We have options that let you choose what’s right for you as a customer
• Up to 120 day loan product with repayment terms of a one-time between 15% and 20%
• Grow with Senti and build your limit up to KSh 70,000 by making your repayments in good time

How do I repay my loan?

• Repay your loan through the App by Clicking Pay loan and enter your M-pesa Pin on the M-pesa tool kit that will appear on your screen or through our Paybill 517910 enter your phone number as the account number and the amount that is due on the amount section.
• You can pay in full or make partial payments, anytime on or before your due date

Gain more with Senti in-app features:

• 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

Terms and Conditions
- Senti charges a one-time service fee of 10-15%* of principal with a maximum loan period of 120 days.
- The minimum payment period for repayment is 61 days; customers may make payments towards their principal at any time following disbursement.
- The maximum repayment period for a Senti loan is up to 120 days from disbursement.
- A one-time extension fee of 7.5% of principal and interest may be applied to loans past due.
- No other fees will be charged after this time. Additional terms and conditions apply.

Effective APR
- Maximum period for repayment: 120 days
- Minimum APR : 90.17%
- Maximum APR : 192.5%.

Senti does not charge you more than the amount of your due amount which is inclusive of (a one-time extension fee if one pays past our due date that includes a 7-day grace period). We do not compound

Representative example
1. KES 30,000.00 loan will have a lifespan of upto 120 days
2. The loan incurs a service fee of 15%, for a total cost of KES 34,500.00 if repaid before or on the due date.
3. The amount repayable for that loan will be KES 34,500.00
4. The loan will have a repayment period of unto 120 days

Contact Us
Have questions? Visit www.senti.co.ke to check out our FAQs or call 0712517910
Ready to get started? Download the Senti app and apply for a loan today.