Looking out to kiakia loan application Process for Quick Loan, Kiakia is a Nigerian app that helps people and businesses get short-term loans.

If you know pidgin English, you would know that “Kiakia” means “fast” or “quickly.” The idea behind KiaKia Loan is just that.

With a KiaKia loan, it’s easy to get a loan without putting anything up as security.

Talk about the KiaKia Loan App. What is KiaKia? How come? How does it work, and how do you get a Fast Loan without Collateral? Is the Kiakia loan app still working?

kiakia loan process

KiaKia is a loan app that lets you get short-term loans for your business or yourself.

You can apply for a small loan online without having to put anything up as security. Your application is processed quickly, and 95% of customers say they get the money in less than 5 minutes after the loan is approved.

What is Kiakia loan?

KiaKia is the best and most popular peer-to-peer lending platform for Nigerians. Users can borrow or lend money from each other.

The application for a Kiakia loan is done online, which makes it easy and quick. You can get a loan quickly and without putting anything up as security.

The good thing about the loan app is that the process is easy, quick, and doesn’t require any security.

KiaKia Loan Requirements

To get a KiaKia loan, you need to show the following documents and meet the requirements:

  • Those who want to apply must live in Nigeria.
  • The applicant must be at least 21 years old.
  • Applicants must have a Bank Verification Number (BVN) and an account at one of Nigeria’s major commercial banks.
  • Applicants should show proof that they have a way to make money. (Working in the private or public sector or running your own business)
  • Applicants must show a valid way to prove who they are (job ID for job applicants and government issued ID for self-employed).
  • Applicants should show proof of income from the last 6 months, such as an SMS or email screenshot of a monthly income notice or an electronic bank statement (in PDF format).
  • Applicants can also give Kiakia permission to look at their bank transactions by linking their bank account to the app, This is done only to get details about bank transactions.

The more you know about online loans, the more likely you are to get a higher loan limit and a better way to pay for it.

Get a KiaKia loan at the best rates in Nigeria.

You can get loans for up to N100,000 at rates that are very reasonable.

How to Get a Loan from KiaKia

To get a KiaKia loan, follow the steps below:

  • Go to the site and make an account with your correct information.
  • Start a site-based application chat.
  • Upload a way to prove who you are.
  • Type in the amount you want to borrow.
  • Choose the length of the loan.
  • Upload a picture of your last three income alerts from your job or business.
  • If your application is accepted, you will have to agree to the loan terms and conditions.
  • Check if your bank account is real.
  • Last, give credit

How much can I borrow from KiaKia?

You can borrow from them as little as N10,000 and as much as N200,000. But most people start out by borrowing a certain amount.

When you get a loan and pay it back on time, the amount you can borrow will go up.

How much does it cost to borrow money for a KiaKia?

The speed of the application means that the interest rates for this loan range from 5.6% to 24%. This is not a bad rate base, but one thing is for sure: the exact interest rate will be given to you when you apply for the loan, and you can choose to accept it or not.

Kiakia Loan Website: http://kiakia.co/

Short-term financing has both pros and cons.

Here are some reasons why you might want to choose short-term financing:

A low rate of interest

Because the KiaKia Loan is for a short amount of time, the interest rate is also low. This helps a lot when figuring out how much the payments will be.

Fast Disbursement

The money for short-term loans will be given out faster. This is because the process is easy. Unlike other loans, there aren’t a lot of steps.

Needs Documents That Aren’t Hard to Understand

Most of the time, short-term loans don’t need complicated paperwork because the risk is lower.

Disadvantages of Kia

Short-Term Loans for a Kia

Short-term financing has some good points, but it also has some bad points. The following are examples of short-term funding gaps:

Limited Loan Amount

There are only so many loans for short-term financing. This depends on the lending institution’s rules and what both parties agree to.

The amount of each payment is big enough.

Since it’s a short-term loan, you have to pay it back right away. The result is that the payments each month are quite big.

KiaKia Loan App

There isn’t a KiaKia loan app in any of the app stores right now. All services for borrowing are done through their website. They say this is so people with utility phones can use all of their services.

How Much Can I Get from a KiaKia Loan?

They will lend you as little as N10,000 and as much as N200,000. But most people start out with a certain amount of money they can borrow. As you borrow money and pay it back on time, you can borrow more.

What is the interest rate on a Kia Kia loan?

Interest rates on this loan range from as low as 5.6% to as high as 24%. When you think about how fast people can apply, this isn’t a bad rate base. But one thing is for sure: the exact interest rate would be given to you when you apply for the loan, and you could either accept it or turn it down.

Loan Repayment for KiaKia loan

The loan terms for Kiakia are easy to understand. You only need to have paid back the loan within the last 7 to 30 days. But if you can, it’s better to pay off your loans early because of the benefits that come with it.

Can I borrow money if I don’t have a job?

Yes, you can. But it may be hard to get because most lenders prefer to lend money to people who have a steady source of income. The best thing to do would be to use loan apps that don’t really take income into account.

Loanspotafrica is the best platform for getting a loan without having to show proof of income.

Can I get personal loan without salary?

Yes, you can. Since technology has come a long way, it is now much easier to find borrowers than it was in the past. You can now get a personal loan even if you don’t have a salary. Actually, all you have to do is show proof of account and go through the application steps.

Can I get a loan even though I just got a job?

Yes, you can. But the loan amount would probably be a lot less than for people with proof of a good income, and you might not be able to borrow as much as they can.

Kiakia loan ussd code

Based on what we know right now, Kiakia Loan does not have a USSD option. If you want to borrow money, you can go to their website (https://kiakia.co) and click on the “Get Loan” button. To be eligible, you must meet the requirements.

Is kiakia loan legit?

Kiakia P2P Loan App is a real app that Nigerians can use to borrow money.

To get a loan, you must first put the app on your phone, then sign up for it by giving the app the information it needs, and then apply for a loan of 1,000 naira or more.



If you’re looking for short-term loans, a KiaKia loan is definitely something you should look into. If you work with them for a while and earn credit points, you can apply for much bigger loans. You just need to go to their site, fill out the steps they ask for, and your loan application will be looked at.

If it works, you’ll get your loan very quickly. You should only get a KiaKia loan, though, if you can pay for it. Defaults are not an option.

Using this platform, you can get a loan that fits your specific needs and is comprehensive. It basically lets you compare loans from different lenders across Africa to make sure you don’t miss out on the best option.