The Saida Loan App Kenya was one of the oldest and pioneer mobile lending platforms in the country. Before the rise of modern digital lenders, Saida was widely trusted for its fast loan approvals, flexible repayment plans, and data-driven credit scoring.
For many years, Kenyans relied on Saida for quick emergency loans, from KES 500 up to KES 25,000, with affordable monthly interest rates ranging between 3% and 21% and repayment periods of 1 to 6 months.
However, recent user feedback reveals that the app is no longer available on the Google Play Store or App Store, raising concerns about its current operations and legitimacy.
This detailed article covers:
- What Saida Loan App was
- Loan limits, interest rates & repayment
- Customer support
- Latest fact-check on app availability
- Safe CBK-approved alternatives to use instead
What Was Saida Loan App Kenya?
Saida was an early digital lending app that used mobile data analytics (SMS patterns, M-Pesa usage, and phone activity) to determine loan eligibility. Its automated scoring model became the foundation for many of today’s digital lenders.
Unlike short-term loan apps, Saida offered longer repayment periods and gradually increased loan limits based on repayment discipline.
Saida Loan Details
Loan Limits
- Min: KES 500
- Max: KES 25,000
Some users reported receiving higher limits over long-term use.
Interest Rates
- Monthly interest: 3% – 21%
Rates varied based on user credit behavior and repayment history.
Repayment Period
- 1 month to 6 months
This long duration was one of Saida’s strongest competitive advantages.
How to Apply (When the App Was Active)
Saida operated through a simple, paperless process:
- Download the app from Google Play Store
- Register using your mobile number
- Grant data permissions for credit assessment
- Receive an instant loan offer
- Get disbursement directly to M-Pesa
Loan Repayment Methods
Borrowers could clear their loans via:
1. In-App Repayment
Through the Saida application dashboard.
2. M-Pesa Paybill
- Paybill Number: 854400
- Account Number: Your mobile number
Customer Support
For help, users previously contacted:
📧 Email: hello@getsaida.com
Latest Status Update – Is Saida Still Working? (Fact-Check)
Very Important:
- The app is no longer available on Google Play Store.
- It also cannot be found on the Apple App Store.
- There’s no official communication confirming continued operations.
- The app does not appear among the currently compliant digital credit providers in Kenya.
Conclusion:
Saida appears inactive, and new users cannot download or register. Avoid installing APKs from unknown websites — many are fraudulent.
Legit CBK-Approved Loan Apps in Kenya (Best Alternatives to Saida)
To ensure safety, always choose loan apps licensed by the Central Bank of Kenya (CBK).
Below is a table summarizing some of the most reputable alternatives.
Table: CBK-Approved Loan Apps in Kenya (2025)
| Loan App | Loan Limits | Interest Rate | Repayment Period | How to Access |
|---|---|---|---|---|
| M-Shwari | KES 1,000 – 50,000 | 7.5% facility fee | 30 days | Through Safaricom SIM Toolkit or App |
| KCB M-Pesa | KES 1,000 – 1,000,000 | 7.35% monthly | 30 days | M-Pesa Menu → Loans |
| Fuliza | Up to KES 70,000 (variable) | Daily 1% fee | Continuous (overdraft) | M-Pesa Overdraft |
| MCo-op Cash | KES 1,000 – 300,000 | 1.5% – 3% monthly | 1 – 6 months | Co-op Bank App |
| Timiza | KES 500 – 150,000 | ~7% monthly | 30 days | Timiza App by Absa |
| Tala | KES 500 – 30,000 | 5% – 15% | 21–30 days | Tala App |
| Branch | KES 250 – 300,000 | 1.8% – 20% | 4–52 weeks | Branch App |
| Zenka | KES 500 – 30,000 | 9% – 30% | 30 days | Zenka App |
| PesaPap | KES 500 – 100,000 | Bank-rated | 1 – 6 months | Family Bank App |
All apps listed above belong to licensed digital lenders or banks operating legally under CBK regulations.
Final Word
The Saida Loan App Kenya was a trailblazer in digital lending, offering flexible repayment periods and fair interest rates long before the digital credit boom. However, because the app is no longer available on official platforms, it is advisable to avoid it and instead rely on licensed, CBK-approved loan providers that guarantee safety, transparency, and legal compliance.