What is SENTI?

SENTI is a micro credit mobile app that allows customers to request for and repay loans straight from their mobile phones.

Where is SENTI located?

SENTI has its offices in Nairobi, Kenya

How do I get the latest version of the app?
You can follow this link and click Update, or you can go to Google Play, search for “SENTI” then click “Update”..
Can I call a SENTI representative?
Yes. You can contact us on 0712517910, and you will be assisted in resolving any issue you might have.
How do I register?

Requirements are simple – all you need to register is a phone number and ID number. Just download the app and key in your details.

What do I do if I have forgotten my pin?

Select forgot option on the login screen.

How do I Reset my pin?

Select forgot pin option on the login screen.

Why is my SIM unsupported?

This error message is seen if SENTI is unable to detect the required SIM in your phone. Kindly remove all other SIM cards from your phone and leave only the Safaricom SIM you want to use and then log back into SENTI. You should be able to add your number and proceed to validate it.

How do I pay back my loan?

You can pay your loan by clicking on the ‘Pay ****’ loan on the SENTI app or through the Paybill number 517910. Account number is your phone number starting with 2547********.

Can I change my details after submitting them?

Unfortunately, not. We conform to the highest standards of data integrity, hence you cannot change information that was previously submitted. Always ensure you provide correct information at sign up.

How do I qualify for SENTI Loan?
  • You have to be an active Safaricom subscriber for at least 6 months
  • Must have a credit history as per the predefined criteria, and must borrow within the displayed limit on the application.
How does SENTI make a lending decision?

SENTI uses data from your phone, including your handset details, financial transaction messages and mpesa statements to make lending decisions. This combined with your SENTI repayment history builds an individualized credit score, which determines the loan offers you receive.

How long does the application process take?

We aim to process all loans within 24 hours. On average we process loans in less than 3 hours and hope to reduce that to a few minutes.

If I request for a loan of Ksh. 1,500 how much will I receive?

You will receive the borrowed amount less the interest which is recovered upfront depedning on the loan duration chosen

How much will I need to pay back?

You will receive the borrowed amount less the interest which is recovered upfront depending on the loan duration chosen

What is the minimum amount I can borrow?

The minimum amount you can borrow is Ksh.1500 and the maximum amount is dependent on your credit limit. Credit limit is the maximum amount of loan you qualify for based on how much you borrow through your account and how you repay.

Why is a loan declined?

A SENTI Loan will be declined if;

  • You borrow above your credit limit,
  • You have an existing loan with SENTI
  • You are currently or previously been listed with Credit Reference Bureau for a defaulted loan with any institution.
  • You currently don’t meet the full requirements
  • SENTI has the right to decline a loan at its own discretion.
What is Credit Reference Bureau?

This is a source of credit history information of a customer. They securely collect, store and maintain information about your credit history.
Credit reference agencies can share your credit report with you at your request.

How do I Know how much I can borrow?

You can check your credit limit on the SENTI App.

What personal data does Senti collect?

Senti collects the following information;

  1. Phone Number
  2. Name
  3. ID Number/Passport Number
  4. Date of Birth
  5. Email Address

What legal basis does Senti rely on while processing personal data?

Senti relies on several legal bases, one at a time, all throughout the processing cycle. We rely on the contractual relationship we have with the data subject, to comply with any legal/regulatory requirements and the legitimate interests of our business.

What are the rights of the Data Subject?

A data subject has a right to-

  1. Be informed of the use to which their personal data is to be put.
  2. To access their personal data in custody of the data controller or data processor
  3. To object to the processing of all or part of their personal data
  4. To correction of false or misleading data
  5. To deletion of false or misleading data about them

How can a data subject object to the processing of their personal data?

A data subject can make such a request by contacting us at support@senti.co.ke. Each request will be evaluated on a case-by-case basis, the outcome of which will be communicated at the time of your request.

How can a data subject opt out of marketing and promotional messages?

You have the option of “opting out” from receiving direct marketing communications from us through using the unsubscribe instructions in any sms/email communications sent to you or by writing to us at info@senti.co.ke/support@senti.co.ke.

You will receive important information related to your account.

How does Senti protect personal data?

At Senti, your privacy and the security of your personal data are our top priorities. We employ a top range of  measures to safeguard your information from unauthorized access or breaches.

What action will Senti take in case of breach of personal data?

Senti shall notify the Data Commissioner within 72 hours of becoming aware of the breach and communicate to the data subject within a reasonably practical period, unless the identity of the data subject cannot be established.

How long does Senti retain personal data?

Senti will only keep the information we collect about You for as long as required in line with the retention requirements set by legal, tax, AML regulations and the need to comply with our internal policies. We will retain or store personal information only for so long as is necessary to fulfill the purposes set out above and for such time as may be necessary to comply with any legal obligation.

You can review our data retention policy by contacting us via info@senti.co.ke/support@senti.co.ke.

For any questions and requests regarding matters Data Protection please contact us at info@senti.co.ke/support@senti.co.ke.