The Saida loan app is a mobile loan app that provides an online platform where one can borrow a loan and have it sent to their M-pesa account quickly.

Saida Loan app, just like other online lending organizations in Kenya, gives out loans to applicants within minutes after application. By downloading the Saida app, you can access a maximum of Ksh.25000 as a loan deposited directly to your Mpesa account.

Since the introduction of loan apps in Kenya, many people have found solutions to financial problems quickly.

Instant mobile loans are an alternative to banks when it comes to borrowing little money since banks involve many procedures and securities when borrowing.

In this article, I will show you the procedure of downloading the Saida loan app, borrowing a loan, and repaying.

Saida Loan App Download

This app is Android compatible. Therefore, it can only work on Android devices.

  • Go to google play store
  • Type “Saida loan app” in the search box
  • Once the app is found, click the “Install” button

After installing the app on your device, you have to create your user account. Follow the procedure below to create an account.

  • Open the Saida app
  • Fill in the forms with the required details. (includes name, ID number, setting a password, as well as your phone number).
  •  Once all the details are correct, click the “create account” button
  • Verify the phone number.

Once the number is verified, your account becomes active. The app will then evaluate your details and give you the loan limit you are allowed to borrow.

The app will do various checks according to your details to see if you are eligible for a credit.  Information used includes phone calls and text messages and your mobile money transactions, especially on Mpesa.

This app also has access to CRB records; if you have a negative credit report, you will not access the loan. If you are eligible to apply, you can request a loan you want but not exceeding your loan limit.

How to Apply for Saida Loan

Below is the procedure for applying for the loan.

  • Log in to the Saida app.
  • Check for your loan limit.
  • Select the amount you need as a loan (This can be equal to or less than the threshold)
  • Select the period of repaying the loan
  • Accept the terms and conditions

Once the loan application is through, the money will be sent to the Mpesa number you verified when creating your account.

If you are not verified to apply for the loan, you can use a friend who has been using the Sada app before as your guarantor. You can also add more information for verification purposes through the “Import” button on the app.

You should take note that the loans should be repaid on time for your loan limit to increase. Defaulting on such loans contributes to a negative credit report by the CRB, making it hard for you to access other credit facilities.

How to Repay Saida

When you want to repay the loan, follow the procedure below.

  • Go to Mpesa menu
  • Select Lipa Na Mpesa
  • Select Pay Bill
  • Enter 854400 as pay bill number (This playbill is registered as Suave Business Solutions)
  • Enter your phone number as the account number
  • Key in the amount due
  • Press Okay. (To authorize the transaction)
  • Wait for a confirmation message from both Mpesa and Saida.

Now that you have the procedure of applying and repaying the loan from Saida, emergencies should not worry you because you can access quick loans from the app. If you do not agree with the terms or the interest rates charged by the app, you are at liberty to try other applications, such as the Haraka loan app.

If your Saida app has technical issues, you can always contact the help center using the help corner found on the app. You can also send them a mail at [email protected]

Other loan apps include; TalaBranch, Timiza, among others you can check out.


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Vivian Munga
Hi, Vivian here. I am a banker by profession and a personal trainer on matters personal finance. You will find some of my work in this blog on personal loans and feel free to hit me up if you have a question. Enjoy your stay here.


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