1. How can I get access to iSente loans?

Our lending platform can be accessed through Google Play. Open Google Play and search for “iSente” APP, then download and start to sign-up with your phone number.

You can also click on this link to download directly.

2. How do I change my personal details?

To edit your personal details, click “My Profile” and click “Upgrade Credit”

3. Which networks does iSente support?

With isente, we support MTN, and AIRTEL right now. We hope to expand our coverage in the near future.

4. Can I change my NIN number after I receive a loan?

Unfortunately, not. with isente, we conform to the highest standards of data integrity. This means that you cannot change information that was previously used to process a successful loan application. You must double-check the information before you click the submit button.

5. Can I delete my account?

Per our Terms of Service and our Privacy Policy, we collect information from you to determine whether you qualify for a loan. We do not sell or distribute this information for any other purposes.

If you would like to discontinue your relationship with iSente, you may uninstall the APP.

FAQ

My Account

Eligibility Criteria

1. What is required to receive a iSente loan?

Requirements are simple – all you need to apply is your MTN, or AIRTEL phone number, NIN and answer a few questions. We will also request access to the data on your phone in order to determine your eligibility.

2. How does iSente make a lending decision?

iSente uses data from your phone, including your handset details and financial transaction SMS messages to make lending decisions. We combine this with your iSente repayment history to build an individualized credit score, which determines the loan offers you receive.

3. Why was I rejected for a loan?

If you don’t get accepted when you apply, don’t worry! Sometimes it may take several attempts to qualify for a loan. We encourage you to continue saving data on your phone and to reapply after the period stipulated.

4. How can I increase my chance of being accepted?

iSente uses data from your phone as well as other sources to make a lending decision. To increase your chances of approval, please make sure to save the data on your phone, keep good credit with all other lenders, and correctly input your account details.

Loan Offers

1. How do I apply for a loan?

Open Google Play and search for “iSente” APP. After download, you can open the APP and follow the process to apply for a loan.

2. How much can I borrow??

Currently our loan sizes range from UGX 60,000 to UGX 400,000. If you repay loans as scheduled, the amount that you can borrow will increase.

3. How long does the application process take?

It will take a few minutes.

4. What interest rate does iSente charge?

Interest rates are determined by a number of factors, including your repayment history with isente and the cost of lending for us. Depending on these factors, the starting fee is charged 20% for a term of 8 days.

Borrowers are required to cover any mobile money transaction fees, such as Bank charges, associated with repaying the loan. Standard SMS and data charges by your mobile carrier may apply.

5. How to fill your family and emergency contact’s information?

Your family and emergency contacts are the person that can prove your reliability, credibility and honesty. We may contact him/her when we decide the loan. Please fill the contact’s information carefully.

Repayment

1. How should I repay iSente loan?

You can follow these steps: 1. Open iSente on your phone 2. Click My Loan 3. Choose one of your loan 4. Click the Repay In Advance

5. Confirm that all details are correct and press “Repay now” 6. Choose your Repayment method and press “Repay now” 7. Complete your Repayment

2.Where can I see my repayment plan?

To view your repayment information, kindly click “My Profile”, then choose “Borrow History”. You will be able to see your due date and the amount.

3.My repayment didn’t reflect. What should I do?

If you do not receive confirmation from iSente that your repayment was received within a few hours, kindly send us the transaction confirmation message you received and the number you used to make the payment via “Customer Care”.

4.Can I repay early?

Early repayment is accepted. We strongly encourage you to repay your loan on time to increase your loan offer amount.

5. What happens if I overpay my loan?

After reconciliation of all payments, excess funds will be reversed to your Repayment bank account within 15days.

6. Can I pay a loan on behalf of someone else?

No, you just only repay yourself loan.

Security & Privacy

1.Can I trust iSente with my data?

We use world-class data security and encryption techniques to protect the data you share with us. iSente never shares your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile.

2.Why does iSente need my NIN?

isente uses your NIN to ensure your account belongs to you, and so that no one else can apply for a loan using your account. We understand that this is very sensitive information and take our customer privacy very seriously. If you have additional concerns, please contact the isente customer service team.

3.Why do you need permission for my phone?

iSente uses data from your phone, including your handset details and financial transaction messages to make lending decisions. These data are a crucial part of our decision-making process, and allow us to provide seamless and efficient financial services.

4.How do I give permissions to iSente on my phone?

In your Android Phone, kindly go to Settings > Apps > iSente > Permissions and make sure that you have enabled iSente to access everything requested.

5.What are your Terms of Use and Privacy Policy?

Please read our Terms of Use and Privacy Policy