KiaKia Loan USSD Code: How to Apply for Kiakia Loan

Updated on December 15, 2023

Kiakia Loan is a convenient credit solution for individuals and small businesses seeking instant loans. The English meaning of Kiakia means fast. Kiakia makes it very fast and stress-free to secure a loan without collateral.

You can get a loan from Kiakia either through the Kiakia website or via the app. You can also use the Kiakia loan ussd code to get a loan

In this article, we will guide you through the step-by-step process of applying for a Kiakia loan, highlighting the essential requirements and providing valuable tips to maximize your chances of approval.

How to Apply for Kiakia Loan without Collateral

Applying for a Kiakia loan is a straightforward and hassle-free process. Follow these easy steps to get started:

Download the KiaKia Loan App or Visit their Website

Open your Play Store or Apple Store app and search for the KiaKia loan app. Download and install it on your device. Alternatively, you can use any browser of your choice to visit the KiaKia loan website.

Create a KiaKia Account

Open the KiaKia loan app or website and create an account using your accurate details. Make sure the information you provide matches your bank account details.

Go to the Loan Option

Once your account is set up, locate the lending icon at the top right-hand side of the app or website. Click on it to start your loan application.

Follow the provided instructions or guidelines to complete your loan application. Ensure that you input your identification number and BVN (Bank Verification Number) as required.

Choose Loan Amount & Tenor

Select your desired loan amount and the duration (tenor) for repayment. Consider your financial needs and repayment capacity when choosing these options.

Provide Proof of Income

Upload proof of income, such as a screenshot of SMS or email notifications showing your salary received over the past six months or the income flow of your business.

Link your Bank account (Optional)

You have the option to authorize the KiaKia loan app to view your bank transaction history by linking it with your account. This step may enhance the loan application process.

Accept the Terms and Conditions

If your loan application is approved, you will be presented with the terms and conditions. Read them carefully and click on the “Accept” option to proceed.

Authenticate your Bank Account

Follow the provided instructions to verify the authenticity of your bank account. This step ensures that the loan funds will be disbursed to the correct account.

Loan Disbursement

After completing the necessary steps, you can expect to receive your loan disbursement in approximately 10 minutes. The funds will be credited to your designated bank account.

KiaKia Loan USSD Code

The Kiakia USSD code is *448#. Just dial the code to get a loan from Kiakia.

Kiakia Loan Requirements

To be eligible for a Kiakia loan, you need to meet certain requirements. Here are the key criteria to keep in mind:

Age requirement: Applicants must be at least 18 years old to qualify for a Kiakia loan.
Nigerian citizenship: Kiakia loan is available to Nigerian citizens or individuals residing in Nigeria only.
Bank account: You must possess an active bank account with a recognized financial institution. This account will be used for loan disbursement and repayment.
Good credit history: While the Kiakia loan is designed to serve individuals with varying credit backgrounds, a positive credit history increases your chances of loan approval.
Valid identification: Prepare a valid means of identification such as a National Identification Card, Permanent Voter’s Card, or International Passport.

Kiakia Loan Interest Rate

Kiakia has one of the best interest rates among loan apps in Nigeria. That’s Why many people choose them for online lending.

Kiakia’s interest rate is usually between 5% to 23%. But to get their exact interest rate, look out on the website when applying for your loan.

Also See: How to Apply for a Plamcredit Loan

How Much can I get from a KiaKia Loan?

Kiakia provides loans ranging from ₦10,000 to ₦5,000,000 to customers.

However, the loan amount you can receive from Kiakia depends on various factors, including your creditworthiness, income, repayment speed, and the specific loan product or program you are applying for.

What is Kiakia loan Repayment Duration?

The repayment duration for Kiakia is flexible. You get a 7 – 31 days time frame to repay whatever amount you borrowed. However, early repayment will get you rewards and increase your loan options.

Checkout: How to Qualify for an ALAT Loan

How Long does it take Kiakia to Credit my Account?

It takes Kiakia 10 minutes to approve your loan process and credit your account.

Wrap Up on Kiakia Loan

In conclusion, accessing a Kiakia loan is a straightforward process that can be done through their user-friendly mobile app or website. It begins with downloading the KiaKia loan app or visiting their website to create an account with accurate details aligned with your bank account information.

Once your account is set up, you can navigate to the lending section, where you will be guided through the application process, including providing necessary identification and BVN details, selecting your desired loan amount and repayment period, and submitting proof of income.

You also have the option to link your bank account to streamline the process further. After your loan application is approved, accepting the terms and conditions is crucial before authenticating your bank account.

Kiakia loan aims to provide individuals with accessible financial solutions, and by following these steps, you can take a step closer to fulfilling your financial goals.