Senti is a free mobile application that lets you loan money anytime. All you need to do is sign up and apply for a loan. Once it’s approved, the money will be sent directly to your M-Pesa. It's that easy. Since everything can be done remotely, you won't be needing tons of paperwork each time you apply for a loan. 

Thus, Senti saves you time and effort. Whether you need to borrow money to pay off your bills or to cover a costly emergency expense, you can count on this app to help ease your financial worries.

Fast and easy 

You can pay off your loan within 120 days of disbursement. Senti also gives you the option to make full or partial payments as long as you arrange it on or before your due date. Like in other loaning applications, you can be penalized for late payments so make sure that you always pay on time. You can pay your dues on your M-pesa or via Paybill 517910. 

The app charges a one-time service fee of 10-15% on your principal loan, and you can repay that together with your monthly dues. Keep in mind that there's also a one-time extension fee of 7.5%  of the principal and added interests for late payments. Since this is a microcredit application, your credit limit can increase over time as long as you maintain a good record of paying on time. 

Unfortunately, this app can’t be accessed by USSD code. Meaning, you would have to have a stable internet connection to make sure that each transaction you do pushes through. On the bright side, this app takes your financial standing into consideration before approving your loan. You can select the best loan that will cover your needs and the right amount you can pay off comfortably.

Considerate financing options

Senti is an app you can count on during your financial troubles. It offers convenience and a fast way for you to get money. Plus, with its flexible payment options, you don't have to stress out yourself if you can't afford to pay the maximum amount right away. Remember that you can always make partial payments. Just make sure to settle them on or before the due date.