FAQ

1.How do I access Kredit Sente?
Simply visit the Apple Store, search for "Kredit Sente," download the app, and register using your mobile number. You can also download it directly using this link.
2.How can I modify my personal information?
To update your details, go to "My Profile" and select "Enhance Credit." Yet remember, the info used for a successful loan application cannot be changed, so please make sure all of your info provided is accurate before submission.
3.Which networks are compatible with Kredit Sente?
Currently, Kredit Sente supports MTN and AIRTEL networks. We are considering to expand our network coverage soon.
4.Can I change my ID number after my loan is approved?
Unfortunately, no changes can be made once a loan is approved. At Kredit Sente, we adhere to strict data integrity protocols, so details used in a successful loan application cannot be altered. Please verify all details before submission.
5.Can I deactivate my account?
According to our Terms of Service and Privacy Policy, we collect data to assess loan eligibility. This information is not sold or distributed. If you wish to deactivate your account, repay all loans and uninstall the Kredit Sente app.

6.What prerequisites are there for obtaining a Kredit Sente loan?
The requirements are simple: an MTN or AIRTEL phone number, an ID number, and completion of a short questionnaire. You'll also need to grant access to your phone data to determine eligibility.
7.How does Kredit Sente determine lending eligibility?
We use data from your device, such as handset details and financial SMS transactions, along with your Kredit Sente repayment history, to create a personalized credit score that guides loan offerings.
8.Why was my loan application declined?
A rejection isn't permanent. Sometimes, it takes several attempts to meet the loan criteria. We recommend keeping your phone data intact and reapplying after the suggested interval.
9.How can I enhance my approval odds?
Keep your phone data intact, maintain a good credit standing with all lenders, and accurately input your details to increase your chances of loan approval.

10.How do I initiate a loan application?
Search for "Kredit Sente" on the Apple Store, download the app, and follow the in-app loan application process.
11.What is the borrowing limit?
Loans currently range from UGX 50,000 to UGX 1,000,000. Timely repayments can lead to increased borrowing capacity.
12.How long is the application procedure?
It typically takes a few minutes.
13.What interest rate does Kredit Sente levy?
Interest rates depend on your repayment history and lending costs. A 12%-45% origination fee applies for a 180-day term, with borrowers responsible for any mobile money transaction expenses.
14.How do I provide family and emergency contact information?
These contacts help validate your trustworthiness. We might contact them during the loan assessment. Enter their details carefully.

15.How do I repay a loan?
To repay your loan, follow these steps:
1.Open the Kredit Sente app.
2.Tap "My Loan."
3.Select your loan.
4.Choose "Repay Ahead of Schedule."
5.Verify the details, select a repayment method, and confirm by tapping "Repay Now."
6.Complete the repayment process.
16.Where can I view my repayment schedule?
Go to "My Profile" and then "Loan History" to see due dates and amounts owed.
17. My repayment isn't reflected. What next?
If you don't receive confirmation, send the transaction confirmation message and payment number to our "Customer Care" within hours.
18.Is early repayment allowed?
Yes, we encourage early repayments to improve future loan opportunities.
19. What if I overpay my loan?
Any excess payments will be refunded to your repayment account within 15 days after reconciliation.
20.Can I repay someone else's loan?
No, repayment is strictly personal.

1.Is my data safe with Kredit Sente ?
Absolutely. We use top-tier security measures to protect your data. Your information is never shared without a valid reason, such as reporting defaults to authorized credit bureaus.
2.Why does Kredit Sente require my ID NUMBER?
To verify the ownership of your account and prevent unauthorized loan applications. We prioritize customer privacy.
3.Why do you need phone permissions?
Phone data, including handset info and financial transactions, is essential for our lending decisions, allowing us to provide efficient services.
4.How do I grant Kredit Sente permissions?
On Android, go to Settings > Apps > Kredit Sente > Permissions, and enable all requests.
5.Could you direct me to your Terms of Use and Privacy Policy?
Please review our comprehensive Terms of Use and Privacy Policy documents for more information.