Songa Cash Loan App Download, Application process and Full Review

The Songa Cash Loan App offers instant loans in times of need. This tutorial will gide you on how to apply and get the loan.

10 Min Read
Songa Cash Loan AppCOURTESY

Have you ever wished for that one friend who is always there when you need financial support? Well, worry not, because this post will help you discover the best loan app for sorting out your emergencies when you need it most. Join us as we explore this loan app deeply to get a good analysis.            

Let’s dive in!

What You Need to Get Started

Songa Cash Loan App offers a simple and secure way to access cash loans. To use the Songa Cash Loan app, an individual must be a Kenyan citizen aged 18 years or older and have an M-Pesa account. Accessing Songa Cash Loan is easy for everyone, as the majority of Kenyans own phones that run on Android 4.3 and above, which is an advantage for many.

Here is a table with all the considerations

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Access applicationGoogle playstore
Download Size1.2mb
Required OSAndroid 4.3 and above
Playstore Rating3.3/5.0
Email[email protected]
Offered ByFezotech Kenya Limited
Loan limit (KES)1,500 – 50,000
Annual Percentage Rate (APR)20% – 36%
Released onJuly 20, 2023
Updated onAugust 23, 2023
Minimum RequirementsKenyan citizen, 18 years and above with an ID
Repayment MethodM-pesa

Check out Mkopofast Easy Loans Application Process + Review

Factors to consider when borrowing from Songa Cash Loan app

When borrowing a quick soft loan from Songa Cash the following should be taken into consideration

1. Understanding Interest Charges

You should be aware of the amount that will be charged, which means the amount given will be less than the amount to be repaid. The following is an example of how interest will be calculated. By using this equation, you will gain a better understanding of the total amount to be repaid.

Loan amount = KES 50,000

Term = 12 months

APR = 22%

Total interest = KES 50,000 x 22% = KES 11,000

Total amount payable — 50,000 + 50,000 x 22% = KES 61,000

2. Loan terms

The loan term is an agreement between you and the person lending you money. This agreement outlines how much money you’re borrowing, how long you have to pay it back, and how much additional payment is required. It’s important to understand these terms so that you know what you’re committing to before borrowing money. On Songa Cash, the following is the agreement policy.

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Loan Amount: KES 1500 – KES 50,000

– Loan Tenure: 91 days – 365 days

2. Maximum Loan Amount: Kes 50,000

APR (Annual Percentage Rate) : 20%~36%

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3.  Privacy and Data Security

I’m glad to see that the people who made this app take privacy and each user’s information seriously. They say they won’t share your information with other companies or groups, which is great for anyone concerned about their personal data. The Songa Loan App states that user data is encrypted in transit, and it also provides a way for you to request the deletion of your data.

How to apply for the Songa Cash Loan App on your mobile device

1. Go to  Play Store and install the Songa Cash Loan app on your mobile device.

2. Now, open the app, where you will be directed to a window that will require you to allow several permissions. Click Agree and continue.

3. Another window will pop up, which contains the views and practices regarding user information. Click Agree and start.

4. The Songa Loan app will need you to provide your personal information. Fill in your information, then click Let’s begin.

5. The front and back of your ID will be required by the app. This information, as stated on the app, is safe, so there’s no need to fear sharing it. After taking the photo, click Confirm.

6. Next, provide the necessary information, such as the amount you wish to borrow and your preferred duration for repayment.

7. Review your application information carefully, and once you are satisfied, click the ‘Submit‘ button to proceed.

Advantages of Songa cash loan app

1. Quick days to Cash

 Songa Loan app allows you to get money fast when you need it. You can apply for a loan using your phone, and if you qualify, the money can be in your account within a short time. This is helpful for urgent expenses like medical bills or repairs.

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2. No Collateral Needed

 Unlike some loans that require you to give something valuable as security, Songa Loan app typically doesn’t need collateral. This means you can borrow money without risking your belongings.

3. Simple Application Process

 Using the app is easy. You just need to provide some basic information, and the app will guide you through the steps. There’s no need for complicated paperwork or long waits in lines at a bank.

4. Flexible Repayment Options

 Songa Loan app often offers flexible repayment terms. You can choose how long you want to take to pay back the loan, making it more manageable for your budget.

5. Convenient and Private

You can apply for a loan from the comfort of your home or wherever you are. Plus, the app usually has privacy features to protect your personal information, so you don’t have to worry about your data being shared with others.

Disadvantages of Songa Cash Loan app


 When you borrow money from the Songa Loan app, they ask for extra money in return. This extra money is called fees and interest. Sometimes, the fees and interest can be a lot, which means you have to pay back much more than you borrowed. This can make the app a costly way to get money.

Debt Trouble

 If you borrow too much money from the app and you can’t pay it back on time, you might get penalized. This can lead to stress and financial difficulties.

Late Fees

 When you borrow money from the app, they expect you to pay it back on a specific date. If you don’t pay it back on time, they can add extra charges, which are called late fees. Late fees can make your loan even more expensive and harder to repay.

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Privacy Concerns

When you use the Songa Loan app, you have to share some personal information with them, like your name and ID. This information may not always be kept very private, and that can be a concern because you want your personal details to be safe.

Limited Borrowing

The app may not allow you to borrow a lot of money. So, if you need a large amount of money, it might not be the right choice for your needs. It’s important to know the app’s borrowing limits before you decide to use it.

Positive Reviews

Justine Wanyama

 5/5 User Rating

Very wonderful experience, flexible and orderly. With support you could wish.

Austine Masero

3/5 User Rating

The app is easy on application but just waiting for dispersal

Negative reviews

Mercy Agosa

1/5 User Rating

These ones (Same as Mojacredit) quickly disperse an amount of KES. 325 to your Mpesa (DEXINTEC KENYA LIMITED) even before you press the ‘OK’ button! You aren’t even given the chance to see the loan limit, interest and/or payment schedule! They actually force the loan limit amount on you and send it without your approval. That’s like Robbery without violence y’all! BEWARE! One Star because I can’t give it a zero

Omino Mark

1/5 User Rating

Very fake app anybody out there do not download or use this app I wish there was a zero I would have given them,they do send a notification that the cash is ready to be withdrawn yet when you go to withdraw they notify you that you do not meet the qualifications,you people find other things to do don’t dare conning us


In simple terms, the Songa Loan app can be helpful for getting money quickly, but it can also be costly if you’re not careful. It’s important to borrow only what you can afford to pay back on time to avoid financial trouble. Also, be aware that they might not keep your personal information very private. So, while it can be useful, it’s essential to use it wisely and understand the costs involved.

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By Alvin Author
I am a result oriented individual, infused with a natural command of words.From birth, I've ventured into the world of writing, becoming a word virtuoso. Simultaneously, I'm an avid business student specializing in project planning and management.Join me in exploring the harmonious fusion of eloquence and business acumen, where every word and strategy intertwine to paint a portrait of achievement.
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