Senti Loan App Kenya – Legit CBK Approved Instant Loans via M-Pesa
Looking for a legit loan app in Kenya that sends money directly to your M-Pesa account in minutes? The Senti Loan App Kenya might be just what you need. This trusted mobile lending platform by Senti Capital Ltd offers fast, flexible, and transparent loans to help Kenyans meet urgent financial needs — all regulated by the Central Bank of Kenya (CBK).
What Is Senti Loan App?
Senti Loan App is a digital lending platform operated by Senti Capital Ltd, a CBK-licensed digital lender in Kenya. The app provides quick loans ranging from KES 1,000 to KES 100,000, with flexible repayment terms of 30 to 90 days.
Unlike unregistered lenders, Senti Capital Ltd adheres to Central Bank of Kenya regulations, ensuring borrowers enjoy safe and transparent lending practices.
Whether you need funds for emergencies, small business operations, or personal expenses, the Senti App makes borrowing fast, secure, and stress-free.
Senti Loan App Kenya – Key Loan Details
| Feature | Details |
|---|---|
| Lender Name | Senti Capital Ltd |
| Regulation | Central Bank of Kenya (CBK) Approved |
| Loan Range | KES 1,000 – KES 100,000 |
| Annual Percentage Rate (APR) | 90% per year |
| Service Fee | 10% – 15% |
| Extension Fee | 7.5% (if repayment is extended) |
| Repayment Period | 30 – 90 days |
| Loan Disbursement | Direct to M-Pesa |
| Repayment Options | In-App or via M-Pesa Paybill 517910 |
| Customer Support | +254 712 517910 / +254 715 398925 |
| Platform Availability | Google Play Store (Android) |
How to Apply for a Loan on Senti App
Getting started with Senti Loans Kenya is simple and fully digital. Follow these steps:
- Download the Senti Loan App from the Google Play Store.
- Register with your ID number, M-Pesa details, and personal information.
- Apply for a Loan – Choose your preferred amount and repayment period.
- Receive Instant Funds – Approved loans are deposited directly to your M-Pesa account.
- Repay Loan – Pay through the app or via M-Pesa Paybill 517910, using your phone number as the account number.
Why Choose Senti Loan App?
✅ Legit and CBK Licensed – Operated by Senti Capital Ltd, a CBK-registered digital lender.
✅ Quick Approvals – Receive your loan within minutes of approval.
✅ Flexible Terms – Repayment between 30 to 90 days.
✅ Transparent Fees – Clearly stated service and extension fees, no hidden costs.
✅ Secure and Reliable – All transactions are processed safely through M-Pesa.
Senti Loan App Contacts and Support
For help with applications, repayments, or loan extensions, reach Senti Capital’s support team:
📞 +254 712 517910
📞 +254 715 398925
Summary: Best Loan Apps in Kenya (2025)
Below is a summary of the most popular and legit loan apps in Kenya, including Senti and other CBK-approved lenders:
| Loan App | Loan Range | Interest Rate (APR) | Repayment Period | CBK Approved | Special Feature |
|---|---|---|---|---|---|
| Senti Loan App | KES 1,000 – 100,000 | 90% | 30–90 days | ✅ Yes | Has loan extension option |
| Tala | KES 500 – 50,000 | 15% – 30% | 21 – 60 days | ✅ Yes | Instant M-Pesa loans |
| Branch | KES 500 – 100,000 | 20% – 36% | 30 – 180 days | ✅ Yes | Investment and credit products |
| Zenka | KES 500 – 80,000 | 9% – 29% | 30 – 90 days | ✅ Yes | First loan interest-free |
| Sulu Cash | KES 1,000 – 60,000 | 12% – 35% | 30 – 90 days | ✅ Yes | Fast approval process |
| Koro Loan App | KES 1,000 – 90,000 | 16% – 28% | 30 – 120 days | ✅ Yes | Simple KYC registration |
| Daviva Loan App | KES 1,000 – 50,000 | 2.5% monthly | 30 – 120 days | ✅ Yes | Managed by Pesakuu Credit Ltd |
Frequently Asked Questions (FAQ)
1. Is Senti Loan App legit in Kenya?
Yes. Senti Loan App is operated by Senti Capital Ltd, which is approved by the Central Bank of Kenya (CBK). It’s a legitimate and regulated digital lender.
2. How much can I borrow from Senti App?
You can borrow between KES 1,000 and KES 100,000, depending on your credit history and repayment behavior.
3. What is the loan repayment period?
Borrowers have 30 to 90 days to repay their loans.
4. What are Senti’s interest rates and fees?
Senti charges a 90% annual percentage rate (APR), a 10%–15% service fee, and a 7.5% extension fee if you extend your repayment period.
5. How do I repay my loan?
Repay through the Senti app or via M-Pesa Paybill 517910, using your phone number as the account number.
6. Is Senti App available on iPhone?
Currently, Senti Loan App is available only for Android users via the Google Play Store.
Final Verdict: Why Senti Loan App Is Worth Trying
Senti Loan App Kenya stands out as a legit, CBK-regulated, and transparent mobile lender. With its quick disbursement, flexible terms, and clear fee structure, it’s an excellent choice for Kenyans seeking fast M-Pesa loans without collateral.
Whether for emergencies, personal needs, or business cash flow, Senti Capital Ltd provides a trusted digital credit experience — combining convenience, security, and compliance with Kenyan financial regulations.
Borrow responsibly and always repay on time to grow your loan limit and maintain a positive credit record.