Frequently asked questions

How do I apply for a loan?
  • STEP 1: REGISTER: input your work email, ID no. and your preferred password
  • STEP 2: LOG IN: enter your ID no/ work email and password
  • STEP 3: PERSONAL DETAILS: Fill in the personal details and employer details.
  • STEP 4: DOCUMENTATION: Attach the following documents:
    • 3 months payslips
    • 3 months bank statements
    • Copy of ID or Passport
    • Passport photo
    • Cheque or a standing order.
  • STEP 5: LOAN LIMIT: The system will automatically calculate the loan limit that you qualify for.
  • STEP 6: REQUEST LOAN: the loan is processed and sent to your mpesa or your bank account.
What details do I fill in the cheque or standing order ?

All standing orders should be payable to:
Bank Name: Prime Bank Limited
Branch: Westlands
Account Name: Cently limited
Account Number 3000122598

If you are cheque as your loan security it should be payable to CENTLY LIMITED.

NOTE: Amount payable should include principle plus interest, it should be dated exactly 30 days / one month from date of disbursement, and must be signed properly. we dont accept cheques from closed or dormant accounts

Do you charge registration fees?

No kopacent loan application is free and no hidden charges

How is loan limit determined?

We calculate your loan limit as a third of your net salary.

How do I maintain my loan limit?

By paying on time. You increase your customer rating

Who is eligible for our loans?

Anyone with a payslip of amount Ksh. 30,000 and above.

How do I repay my loan?
  • Open MPESA SIM toolkit
  • Select lipa na mpesa
  • Select paybill
  • Enter kopacent paybill number 967906
  • For account number enter your id number
  • Enter amount Enter your mpesa pin Confirm details and send