KiaKia Loan App: All You Need To Know

Kiakia Loan is a fast lending platform and financial marketplace that gives short loans to micro, small and medium enterprises without collateral. This article contains everything you need to know about KiaKia Loan and how to borrow money using the app.

About KiaKia

KiaKia Loan which is a subsidiary of Sterling bank was established in 2016 to provide fast loans for businesses and individual. The brand name ‘KiaKia’ in Yoruba means fast fast or quickly. This means the platform provides loans without collateral quickly and at a faster rate.

Therefore, if you need to get a short-term loan for your business or personal needs, you can try the KiaKia loan out. Find below some of the requirements for applying for KiaKia loan. Check out Top 10 Mobile Loan Apps for Online Lending in Nigeria

How KiaKia loans work and Requirements

Kiakia loans website has a user-friendly interface and it is easy to use. To apply for loans via the website, just visit the website and choose the ‘Get loan’ options. You will be directed on what to do by the company chatbot, Mr. K.

Within 15 minutes, you can get loans from Kiakia. Although that will depend on if you meet Kiakia loan requirements. Unlike many other loan apps, KiaKia does not offer student loans. The financial lending company only gives loans to existing businesses and enterprises. Below are some of the requirements to apply for Kiakia loan successfully.

  • Must be at least 21 years or above and a citizen of Nigeria
  • Bank Verification number with a functional bank account
  • A valid ID card (whether national ID, voters card, or driver’s license)
  • E-mail Address
  • Income proof from business or workplace

How To Apply for Kiakia Loans

Now that we have established what the Kiakia loan requirements are, below are the steps to take to apply for Kiakia loan successfully. See the USSD Codes For Loans in Nigeria (All Bank Loan Codes in Nigeria)

  • Create an account with the company by choosing the Create an account option
  • After which you should proceed by clicking on the ‘Get Loan’ option
  • Follow the instructions of the chatbot (Mr. K) by giving necessary details and uploading documents including a valid ID
  • Input the amount of money you wish to borrow
  • Select the duration of the loan
  • Upload your proof of income (at least 3 consecutive salaries)
  • Ensure you read the terms and conditions of the loan before you agreed
  • Verify your bank account once your loan has been approved
  • Within a short moment, you will get credited.

Kikia Interest Rate and Repayment

As mentioned earlier, Kiakia gives short-term loans to already existing businesses or individuals and the interest rate is moderate. You can borrow as low as N10,000 and more than N200,000 with Kiakia loan.  Depending on the amount you planned to borrow, the interest rate is between 5.6% to 24%.

In addition, the loan tenure is between 7 to 30 days. Also, repayment of loans is easy and stress-free. All you need to do is to visit the website. Select the ‘repay loan’ option and follow the instructions of Mr. K. to repay your loan.

Kiakia Loan App Download

Unlike many other loan apps, Kiakia does not have any app or use any app in processing loans. If you intend to borrow loans from Kiakia, you need to visit their website to do that.

Although, the company has an app known as the Kiakia P2P app which is for those who want to invest and fund other people’s loans. With the Kiakia P2P app, you can fund people’s loans as low as N50,000 to N2.5M and earn interest between 12% to 40%.

Kiakia Loans Contacts

Do you have any challenges with getting loans or repayment of loans, you can contact Kiakia representatives through their Contacts by calling 0905511140, 08093078377, or WhatsApp 08092245588.

Lagos Physical Address: Dele Onabule Street, Magodo Brooks Estate, Lagos

Abuja Physical Address: Suite S3, Path field mall, 4th Avenue Gwarinpa Abuja.


Kiakia loan is a peer-to-peer financial lending platform that gives loans to businesses without collateral. Through their website, you can secure a loan within 15 minutes if you meet the requirements.


How do I borrow from Kiakia?

You can get a quick short loan from Kiakia by visiting their website.

What is the code for the Kiakia loan?

Kiakia only gives out loans through their website. The platform does not have any USSD codes.

How to perform Kiakia loan registration?

Kiakia loan registration is easy to perform. Just visit their website and click on create an account while following the necessary instructions.

How to download the Kiakia loan app?

Kiakia doesn’t have any loan app, the platform only gives loans through their website. Although, there is the Kiakia P2P app where you can invest your money and get returns from. You can download the app to learn more about it.