Kasente

Kasente is a fast, secure, and transparent mobile lending app designed for individuals and small business owners in Uganda. Whether you face an unexpected emergency or need working capital for your business, Kasente gives you instant access to fair loans — right from your phone.

With Kasente, the more responsibly you borrow and repay, the higher your loan limit grows. We reward financial discipline with better borrowing power over time.

1. Loan Product Overview

Example Calculation

For a loan of UGX 100,000 over 91 days (3 months):

Monthly interest rate = 30% ÷ 12 = 2.5%

Monthly interest = UGX 100,000 × 2.5% = UGX 2,500

Monthly principal + interest = (UGX 100,000 ÷ 3) + UGX 2,500 = UGX 35,834

Total repayment (principal + all interest) =
UGX 100,000 + (UGX 100,000 × 2.5% × 3) = UGX 107,500

✅ No hidden fees. No surprise charges.

2. Who Can Apply?

You are eligible if:

You are between 22 and 55 years old

You have a valid Ugandan National ID

You have a stable source of income (employed or self-employed / business owner)

3. What You Need to Apply

Prepare the following:

Valid National ID card

Mobile money account in your own name (MTN or Airtel Money)

Completed KYC (Know Your Customer) and application forms inside the app

Agreement to our Terms & Conditions and Privacy Policy

(Optional but recommended) Salary slip or bank statement – this helps improve your credit score for larger loans

4. How to Get a Loan in 5 Simple Steps

Download the Kasente app from the official store

Grant necessary permissions for identity and credit verification

Register using your MTN or Airtel phone number

Fill in your KYC details honestly and completely

Submit your application and agree to the loan agreement

✅ Approved? Funds are sent directly to your mobile money wallet instantly.
❌ Not approved? Review your information, ensure it's correct and complete, and reapply.

5. Data Security & Privacy – Bank-Grade Protection

To evaluate your creditworthiness fairly, Kasente may request:

Full legal name

National ID number (NIN)

Phone number & address

Income information

Emergency contact

Optional device data (SMS, phone logs, GPS, etc.) – only with your explicit permission

How We Protect You

HTTPS encryption for all data transfer

Firewalls & access controls

Data anonymization

Secure storage equivalent to banking standards

You have full control. You may choose what to share.
All data is processed lawfully, stored safely, and never sold.

📱 Keep your app updated to enjoy the latest security features and improvements.