How to Get KiaKia Loan in Nigeria (Step-by-step)

Are you in need of quick financial assistance without the need to provide collateral or a Bank Verification Number (BVN)? If so, KiaKia loans might be the solution you’re looking for. You may also like RenMoney Loan Application Portal [Apply Here].

In Nigeria, where speed is often of the essence, KiaKia loans offer a swift and straightforward way to access both personal and business financing.

This article will guide you through the process of obtaining a KiaKia loan in Nigeria, providing insights into its requirements, application process, and benefits.

Whether you’re facing unexpected expenses or seizing new business opportunities, KiaKia loans can provide the financial support you need, precisely when you need it.

Those familiar with Nigerian Pidgin English would recognize that ‘Kiakia’ means ‘faster’ or ‘quicker’. That encapsulates the essence of the KiaKia loan.

KiaKia is a lending app that offers short-term business and personal loans in Nigeria. The platform simplifies the loan acquisition process without requiring collateral. You may also be interested in: RenMoney Loan.


To be eligible for a KiaKia loan, you must provide the following documents and fulfill the requirements:

  • Valid identification methods.
  • A bank account with a BVN (Bank Verification Number).
  • Proof of income from employment or a company.
  • An active email address.
  • Nigerian residency.
  • Finally, you must be at least 21 years old.

How to obtain a KiaKia loan

To apply for this loan, follow these steps:

1. Create an account on the website using accurate information.

2. Initiate a chat application on the website.

3. Provide valid identification.

4. Specify the loan amount desired.

5. Choose the loan duration.

6. Capture and upload snapshots of your three most recent salary or business income alerts.

7. If your application is approved, agree to the loan terms and conditions.

8. Authenticate your bank account.

9. Finally, await disbursement.

About the KiaKia Loan App

It is a mobile application that facilitates borrowing from KiaKia. Currently, there is no KiaKia loan app available in mobile app stores. Their website serves as the platform for all borrowing services, accessible to customers with mobile phones.

Maximum KiaKia loan amount

Borrowers can access loans ranging from as little as N10,000 to as much as N200,000. However, most users are initially offered a specific loan amount, which increases upon timely repayment.

Interest rates on a KiaKia loan

Interest rates on KiaKia loans range from as low as 5.6 percent to as high as 24 percent. The precise interest rate relevant to your loan will be presented during the application process, giving you the option to accept or decline it.

Repayment of the KiaKia loan

Repayment terms for the KiaKia loan are straightforward, typically within 7 to 30 days. However, prompt repayment is essential due to the associated benefits.


  • Simple application process with cash disbursed within minutes.
  • Minimal documentation required.
  • No geographical restrictions; applications can be made from anywhere.


  • Loan processing fee.
  • Relatively limited maximum loan amount.

Is it possible to obtain a loan without employment?

Yes, it is possible. While challenging, some lenders do offer loans to individuals without a consistent income source. The best approach is to seek out loan apps that do not consider income as a primary criterion.

Can one acquire a personal loan without employment?

Yes, it is possible. Technological advancements have made it easier to track borrowers, enabling the acquisition of personal loans without employment. Websites like Loanspotafrica facilitate this process effectively.


For those in need of short-term loans, the KiaKia loan is worth exploring. With continued creditworthiness, borrowers can access larger loan amounts over time. Simply visit their website, complete the necessary procedures, and your loan application will be processed.

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