Categories: Private Loans

How to Get Instant Loan from KiaKia Loan App

If you have been looking for the fastest, quickest, and most reliable way to get an instant loan to break free from short-term financial difficulty, you should start thinking of KiaKia Loan.

KiaKia is a Yoruba word and it is used to mean “to be fast” or “to be quick”. Kiakia loan provider is very prudent to have chosen this as its brand name because it describes everything the loan company stands for.

Kiakia is one of the best loan platforms in Nigeria today that offers instant loans or instant personal loans to its customers. The loan company has been trending and has been operating in Nigeria for up to 2 years now. The type of loans they offer are low-interest and do not require collateral. There are also other advantages that their loans have other loan apps in Nigeria. We will expose all of these benefits in this article.

What are the Requirements for Kiakia Loan?

Like every other loan apps in Nigeria, Kiakia loan also has its requirement which you must meet up with to be considered eligible for their loan. These requirements are:

Reside in Nigeria

Kiakia loan app is a loan-providing company that is registered by the relevant registry in Nigeria such as credit bureau. So, to be eligible you must be living in Nigeria not less than a year before the application period

Eligible Age

You must be at least 18 years old during the application period and not older than 59 years. People under 18 years are considered to be minors and under their parent care. Age 60 is the retirement age in Nigeria. Therefore, these age brackets cannot be given loan because of the risks involved


To be able to get the loan, you must have a valid means of identification such as a National ID card, voters’ card, International passport, and so on.

Proof of Income

They must be able to verify that you have a stable source of income. You might be asked to provide your statement of bank account for the past 6 months or one year. This is to ensure that you can be able to pay back their money if they eventually lend you.

Good Credit Score

You must have a good credit record before you can be given a loan. They have to be sure you are not a debt-inclined person. Your transaction history and credit record will be traced from all sources and if there is evidence of debt, you will not be given a loan.

Bank Account

You must have a functioning or active bank account. This is the account where they will credit you the money after your application has been approved. You must also ensure that your account does not have limit on the amount it can receive per day.


To access their loan through the loan app, you need to have a smartphone. The app is only available on android phones for now and not yet available on iOS phones.

Initially they do not operate on app when they first started but now, they do.

How Do I Download the KiaKia Loan App?

  • Proceed to google play store on your android phone.
  • Search for “Kiakia” after which several apps will be displayed.
  • Choose the kiakia app to download and install


How Do I Apply for the Kiakia loan?

You can apply either by going through the old way of visiting their website or through the loan app.

Through Website

  • Visit their official website, sign up to create an account on the site
  • Provide all your personal details and upload your valid means of identification for account verification
  • Initiate the loan application process on the site
  • Enter the amount you want to borrow
  • Choose your preferred repayment scheme
  • Provide proof of your income by uploading your bank statement of account
  • Provide the bank account details where you want them to disburse the loan
  • Accept their terms of service
  • Submit the application for review

If the application is successful, the money will be disbursed to your account a few hours after the application.

Through the loan app

The same process is applicable in the loan app but the loan app is more user-friendly and faster. Also, you need to have the loan app installed on your smartphone. If you use the loan app, you will be credited within 10-20 minutes

What is KiaKia loan interest rate?

The interest rate varies from 5% to 10% during the repayment term of the loan.

How much can I borrow from Kiakia loan app?

The minimum you can borrow is ₦10,000. You can also borrow as high as ₦200,000. For a first-timer. You can only get ₦10k, but as you keep borrowing and paying back at the right time, the amount you can borrow will keep increasing.

What is the repayment term of Kiakia loan?

The repayment term is very short usually between 7-30 days. It is a personal loan.

What if I default on KiaKia Loan?

Your debt will keep compounding by an interest rate of 1% daily if you don’t pay back after the repayment period. If this is too prolonged, they will send your banking details to credit bureau for blaclisting and you will not be able to borrow a loan ever again from any loan app.

What are the Advantages of kiakia loan app?

  • Very small interest rate compared to other loan apps
  • Quick and fast rate of disbursing loan compared to other apps
  • User-friendly loan app and interface
  • Provides flexible repayment term

Does Kiakia uses USSD code?

No, Kiakia loan app does not use USSD code. All their application process is through website or the loan app.


If you are looking for a reliable and bankable loan app that offers short-term personal loans with low-interest rate, you should go for Kiakia. We are sure you will not regret it.









Recent Posts

Loan Apps without BVN in Nigeria in 2024

Introduction Do you not have a BVN and you are in urgent need of a…

11 hours ago

2024 Tips on how to apply and get Zenith Bank Loan in Nigeria

Introduction Do you have a Zenith Bank account and need an immediate loan over your…

11 hours ago

How to Get PayHippo Loans for Small Businesses in Nigeria

Obtaining loans in Nigeria by startups, and small and medium businesses in Nigeria is very…

9 months ago

Palmcredit Review: Things You Should Know

I will start this article by saying words of appreciation is not enough for whoever…

9 months ago

Sokoloan App Review: All you Should Know

Have you ever been worried about where to get bail out from financial burden? Well,…

9 months ago

Rent Loans In Nigeria: Everything You Should Know

Housing is regarded to be one of the essential needs of life. Without a house,…

9 months ago