Kiakia Loan is a Nigerian digital lender that provides quick and convenient access to loans for individuals and small businesses. The platform uses advanced algorithms and artificial intelligence to evaluate borrowers’ creditworthiness which will help them determine the amount that can be loaned to applicants.

Kiakia Loan

Kiakia Loan offers a range of loan products, including personal loans, business loans, and agriculture loans. Loan amounts range from ₦10,000 to ₦5,000,000, with 7 days and 12 months repayment terms.

The Loan application is done online without you needing to bring any collateral security before your loan application can be approved. Once your loan has been approved by Kiakia, the amount you requested will be deposited instantly to the bank account number you provided.

kiakia is a P2P loan app that connects lenders to borrowers directly. Here, Kiakia serves as an escrow between the two parties and makes sure that the borrowers get a loan with the minimum interest possible and that the lender’s interest is protected.

Lenders on Kiakia get like 24%  interest on their capital and they are protected against any fraud from borrowers through the Kiakia escrow network.

How Do I Get A Loan From Kiakia

Getting a loan on Kiakia is very easy because the loan application is done online and you can apply from any location.

The steps to follow in getting a loan from Kiakia are:

  • Visit the KiaKia website at or download the Kiakia loan application from the Google play store or Apple store.
  • Click on the “Get A Loan ” button. An A. I Powered Virtual assistance will be assigned to you to create an Account.
  • Tap on “Create An Account” by providing your personal information, such as your name, email address, and phone number to the Virtual assistant to help you create an account.
  • Enter your bank account details and verify your identity.
  • Choose the type of loan you want and the amount you need.
  • Provide any additional information required for the loan application like your account number and Bank Verification Number (BVN).
  • Review and accept the loan terms and conditions.
  • Submit your loan application.

How Long Does It Take Kiakia To Disburse Loan

Kiakia is very fast in disbursing loans once your application has been accepted. Typically, loans are disbursed on Kiakia 10-20 minutes after your application was accepted.

If you don’t receive a notification of credit transaction from your bank, you can check your bank account balance or contact your bank.

Is Kiakia Loan Legit

Kiakia loan is very legit and doesn’t have any records of scams from the customers using the platforms. The loan interest is not much and you can get a reasonable amount of loan to solve your pressing needs with little interest.

How Much Can I Borrow From KiaKia For The First Time

The amount you can borrow on Kiakia depends on your creditworthiness. Kiakia uses an A.I powered bots that run a credit check on your profile in other to help them determine the amount you can get on the platform.

As a new user, you can get N10,000 or below with a minimum repayment duration of 7 days and a maximum of 30 days including the interest.

What Is The Interest Rate Of Kiakia Loan

Kiakia loan gives one of the lowest interest to borrowers. The interest on the loan is usually 6.5% of the amount that was loaned to you. For example, if you borrow N10,000 from a Kiakia loan, the interest that you will pay for that amount is N650.

However, the longer the duration of your payment, the more interest will accumulate for you, so it will be very wise if you pay the loan within the short time possible.


Kiakia loan is a fast and convenient way to get access to funds for personal or business use. It offers a seamless online loan application process and requires minimal documentation.

Before applying for a Kiakia loan, it’s crucial to understand the terms and conditions, interest rates, and repayment schedules. Additionally, borrowers should assess their financial needs and repayment capabilities to avoid defaulting on the loan.

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