Senti

Senti is a Kenya-first micro-credit mobile app that lets you register, apply for a loan, and receive funds directly to your M-Pesa. How it works: download the Senti app, register with correct details, verify via OTP, then apply for a loan and get funds sent to your M-Pesa.

Senti offers up to 120-day loan terms, with flexible repayment options, and your credit limit can grow to 70,000 KSh with timely repayments. It also includes in-app features like buying Airtime, paying bills (Lipa Stima, water), wealth tracking, and sharing Senti with friends and family. Repayment can be done in-app or via Paybill 760812; terms and conditions apply.