Kiakia Loan App - How to Get a Quick Loan From Kiakia Without Collateral

– Kiakia Loan – How to Get a Quick Loan From Kiakia Without Collateral –

Different online lending platforms are making online banking services easier and fewer bottlenecks–lending and borrowing of loans.

If you are looking for a list of top lending online platforms, be sure to have the KiaKai loan app on your list.

What Is KiaKia Loan App?

KiaKia loan app is among the leading lending platforms in Nigeria. The platform offers short-term business loans and personal loans.

Guess what? You don’t need to panic about the terms and conditions of getting loans from the KiaKia loan app. Yes, from the comfort of your home you can request a loan online without collateral. Cool right?

Probably you are wondering why this lending platform is called KiaKia. If you are conversant with Pidgin, you will be able to grab its literal meaning just by taking a glance at it.

Kia Kia in pidgin simply means fast, instant, or quick. With this, you can deduce that the platform is a quick loan app. Yes, within 10 minutes of approval, be sure to receive your fund in your bank account.

Requirements For Getting Kia Kia Loan

The KiaKia loan app indeed offers quick loans without collateral however, you need to provide the following documents to be eligible and qualified for the loan. Keep reading.

Bank Verification Number (BVN):

Your Bank Verification Number (BVN) is a 10-digit number peculiar to an individual. This number is used to track financial crimes.

Hence, for you to get your desired loan from the KiaKia app, you need to have your Bank Verification Number (BVN).

In addition, you must have an active bank account with any commercial banks in Nigeria.

Citizen Of Nigeria Or Ghana:

Your nationality is also important. For you to be eligible for a KiaKia loan, you must be a citizen of Nigeria or Ghana.

Read Also: Best Loan Apps in Nigeria

A Statement That Shows Your Income Flow:

Ki Kia loan app will need your proof of your income either in your business or workplace.

This could be a screenshot of your SMS or email notification showing that you were paid your salary for the last six (6) months. On the other hand, you may give the KiaKia loan app the authority to view your bank transaction history.

This way, they can be sure of not giving out funds to unserious fellows.

Email Address:

Another requirement on our list is your email address. Be sure to submit your most active email address to the KiaKia loan app or website as you sign up for a loan.


If you must secure a loan from the KiaKia loan app, you must be up to twenty-one (21) years. Any age below 21 is disqualified. Again, it is implicating to forge your name.

A Valid Identification Process:

If you are an employee, you can provide your job ID. While your government-issued ID if you have your businesses. That is if you are self-employed.

Want To Get A KiaKia Loan? This Is How to Apply For Kia Kia Loan Without Collateral.

KiaKia loan app is a quick loan app. No stress, less documentation, and no collateral. Follow the steps outlined below to get your loan in the next few minutes.

  1. Firstly, open your Play store or Apple store app and download the KiaKia loan app, or better still you can go to their website with any browser of your choice.
  2. After that, create a KiaKia account with your details. Mind you, your details must be accurate and in alignment with your bank account details.
  3. Once you are done creating your account, move to the top right-hand side, and you will see an icon for lending. Click on it and begin your application by following the instructions or guidelines given to you.
  4. Do not forget to input your identification number and BVN.
  5. Proceed to choose your desired amount of loan and tenor. By tenor, we mean the duration of the loan.
  6. Upload your proof of income. This could be a screenshot of your SMS or email notification showing you received your salary in the last six months or your business income flow.
  7. Aside from that, you can authorize the KiaKia loan app to view your bank transaction history by linking the two up.
  8. Once your application is approved. Do not forget to accept the terms and conditions attached. This option “Accept or Decline” will be given, do well to accept.
  9. Go ahead to prove the authentication of your bank account.
  10. Expect your credit alert in not less than 10 minutes.
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How Long Does It Take To Borrow A Loan From KiaKia Loan App?

If you are looking for a quick loan app, you might want to try the KiaKia loan app.

It takes at least twenty (20) minutes to borrow a loan from KiaKia.

This is why it is called a quick or instant loan app. It does not waste time to disburse loans too.

How Much Can I Borrow From The KiaKia Loan App?

You can borrow from ten thousand Naira (10,000) to two hundred thousand Naira (200, 000).

That notwithstanding, there is a challenge. If you are a beginner, there is always a specified amount you are to borrow. Your ability to pay back the loan you borrowed increases your chances of getting another loan.

Yes, with your timely reply, the maximum amount you can borrow from the platform increases.

What Is KiaKia Loan Interest Rate?

KiaKia is one of the leading apps with a low-interest rate.

KiaKia’s loan interest rate is usually between 5% to 24%. Low right? Yes, that is why the KiaKia loan app should be your go-to app when it comes to online lending.

To know the exact interest rate for your loan, kindly watch out doing your application as that would be displayed in the terms and conditions. You can either accept or reject it.

How Can I Repay My KiaKia Loan?

KiaKia loan app has a flexible and comfortable repayment plan. It ranges from seven (7) days to thirty (30) days in duration. This is because it is a short-term loan.

So, if you are being given a loan by the KiaKia loan app, be sure to repay on time. Do not forget easily that timely repayment comes with a lot of benefits. An increase in the maximum amount is one.

Pros And Cons Of KiaKia Loan.

There are advantages of the KiaKia loan and also there are disadvantages.

The advantages/ pros of a KiaKia loan include the following;

  • KiaKia loan has a low-interest rate since it is short-term financing.
  • The process of application is easy.
  • Less paperwork or documentation is required.
  • There is no limitation to one’s location provided you reside in Nigeria.
  • And fast disbursement.

The disadvantages/cons of the KiaKia loan.

Below are the disadvantages associated with a KiaKia loan;

  • KiaKia loan app has a limited number of loans.
  • Also, the highest or maximum amount that can be borrowed is somehow small when compared to what people need.
  • In addition, KiaKia loan charges for the application process. This is synonymous with the physical application form in banks.

Frequently Asked Questions About KiaKia Loan.

I Just Started Working, Can I Get A Loan?

Yes, you can get a loan if you started working recently. However, since most requirements for a loan is a salary history not less than 3 months, it means you may be given a loan much lower.

I Do Not Have A Job, Can I Collect a Loan?

Yes, you can but it will be difficult. This is simply because most loan apps prefer lending to people who have jobs and can repay the loans without defaulting.

How Long Does It Take KiaKia To Disburse Loans?

KiaKia does not waste time in the disbursement of loans. Within 24 hours of loan approval, your loan gets disbursed into your account.

How Do I Borrow Loan From KiaKia?

To borrow a loan from the KiaKia loan app do the following;

  • Download the app and create your account with your correct details or better visit their website.
  • Once your account is created, you can begin your application following the instructions given.
  • Once the loan is approved, it will be disbursed into your account within a few minutes.

How Do I Borrow Loan With A USSD Code?

To borrow a loan with a USSD Code, you need to do the following;

  • Choose a lending platform.
  • Discover its USSD code.
  • Open your phone call bar and dial the code.
  • Follow the instructions that will be shown.
  • Have in mind that wrong details are implicating.
  • Wait for your loan to be disbursed into your bank account.

Concluding Thoughts

There are a lot of loan apps you can borrow loans from. However, if you need a quick loan app with less documentation and application, KiaKia Loan App is at your rescue.

Get an instant business or personal loan without collateral today by visiting their website, creating an account with them, and following all the terms and conditions stipulated.