How Saida Works

We invite you to download Saida and check if we can offer you a loan

Step 1

Create a Saida account and answer a couple of questions so we get to know you!

Step 2

Saida will check how you have been using your phone to make calls, sms, data and how you use mobile money services such as M-Pesa. Saida will notify you of the amount of money you can apply for.

Step 3

We'll send the loan to your M-Pesa account immediately and explain the repayment terms.

Why Choose Saida

Everyday, thousands of customers like you get loans on Saida to meet their needs and grow their businesses!

100% Mobile

No Paperwork, no queues or questions that Banks ask. Just download Saida anytime anywhere!

Fast Decisions

If we can offer you a loan, we will communicate it within 1 Hour. If we cannot, we will explain the reasons why

Customer Support

We have many happy and smiling faces to assist you with your questions and inquiries.

“Loved it It took me exactly 10 mins to download and receive my first loan.”


“A great app it is.. A revolutionary app that offers you easier,faster & very affordable credit/loan instantly.”


“Saida is approachable. It is kind of a pal that you can call and ask for a small loan...”


“I can take care of emergencies within a click of my fingers”


“I'm not worried about emergencies because I've got Saida”


“Saida is fast,effective and doesnt have complications in applying,its simple and direct.l love it.just sorted my emergency.”


“Saida is quick and easy to use especially for short term small amounts. I can say it easily identifies with the needs of the ordinary mwananchi”


“Saida a has improved my life. The increasing loan amounts help me meet personal needs and buy school items.”


“The best online loans app Saida is very reliable and convenient. I applied for a loan and received it as scheduled. Thanks a lot”


“Knowing that anytime I need a loan, Saida is there gives me a secure financial feeling because I know this will always help me”


“Saida does not need filling forms and your loans they are faster and in time funded with affordable interest”


“Have managed to expand my business and am looking forward for higher loans”


Frequently Asked Questions

Common Answers To Common Questions

How Much Can I Borrow?

Upto Ksh 25,000

Your loan limit will start at a lower amount and improve as you pay back on time!

Your initial limit depends on

  • Usage of SMS/Calls/Internet
  • USage of M-Pesa
  • Your social connections
See More Answers

How do I pay back?

Paybill # 854400

Is our M-Pesa Paybill, type your phone number as your A/C Number.

  • Payback on time to get bigger loans!
  • No Penalty for early payments!
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What Happens if I don't Pay?

Upto   90days

We're very patient if you need more time to pay talk to us and we can give you 3 months to pay! We'll work together and make a payment plan that fits you to avoid consequences such as :

  • Handing over to collection companies
  • Being listed at the Credit Bureau
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How much do you charge?

Low as    7.5%

The rate you get is tailor made for you - so each customer gets a different rate

If you have more questions about Saida, press the 'See More Answers' button to see them. See More Answers

Get In Touch

For Customers

If you are already a Saida customer, please use your Saida Help menu to get in touch with us. If you are not a Saida customer yet down load the app to communicate with us or checkout the FAQ on the link below
See More Answers

For Press/Partners

Happy to chat with you! Drop us a line at syn [AT]