In the current challenging economic climate, ensuring access to swift loans has become a vital consideration for every Nigerian. One reliable platform offering rapid loan solutions is KiaKia. Essentially, this platform stands as a dependable option to secure immediate soft loans, addressing pressing emergency needs. In this article, we present an in-depth review of KiaKia loan services.
A Overview of KiaKia Loan
KiaKia emerges as a prominent web-based loan platform in Nigeria, extending both personal and business short-term loan solutions to citizens. For those familiar with pidgin English, ‘Kiakia’ translates to ‘fast’ or ‘quickly’. This very essence underscores the primary intent behind the KiaKia loan platform – to provide expedited financial support. Through KiaKia, accessing instant loans without the burden of collateral is made remarkably effortless.
The platform’s innovative approach to loan disbursal reflects its commitment to swiftly meeting the financial needs of individuals and businesses alike. KiaKia’s user-friendly interface and transparent procedures have garnered its reputation as a dependable choice for those seeking timely financial assistance.
How do I register/create a KiaKia account?
To create an account on the KiaKia platform, follow these steps:
1. First, go to their web page, www.kiakia.co
2. Next, open the Menu and tap on the “CREATE AN ACCOUNT” option
3. Thereafter, provide correct answers to the next few questions that follow. This validates your identity and employment information.
After this, submit your answers and you’ve successfully created an account with the KiaKia platform.
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How do I get a loan from KiaKia?
To apply for a fast loan on KiaKia or make a quick loan request, follow the steps listed out below:
1. Visit their official website, www.kiakia.co and create an account with your details. We’ve shown you how to do this above.
2. Next, start an application chat with the Mr. K software on the website.
3. Upload a valid and acceptable means of identification and other things the software asks for.
4. Click on the “GET A LOAN” option you find on the home page.
5. Input your desired loan amount and select your loan duration.
6. Upload a clear screenshot of your salary for the last 3 months or any other business income alerts.
7. Thereafter, accept the terms and conditions of KiaKia loan. Wait for your loan application to be authorized and verify your bank account.
8. Lastly, wait for a few minutes to get credited.
How long does it take to validate a loan on KiaKia?
The KiaKia loan review process doesn’t take too long to get completed. Within just a few minutes of submitting your Kiakia loan application, you should receive a credit alert.
What are the loan requirements for KiaKia?
To successfully submit your loan application, you need to fulfil these mandatory requirements:
1. You must be a citizen and resident of Nigeria
2. Every applicant should be at least 21 years old
3. An applicant must have a Bank Verification Number (BVN) and must have a functional bank account with any authorized commercial bank in Nigeria.
4. You must have proof of verified and acceptable source(s) of income. It’s okay if you are self-employed or an employee in any organisation
5. Every loan applicant must provide the platform with a valid means of Identification (a work ID for applicants who are employed, and a Government-issued ID for self-employed applicants).
6. An applicant should provide clear evidence of income (screenshots of your monthly income alerts either via sms or email for the last 3 months)
Alternatively, you can just permit the KiaKia platform to view your bank transactions by linking your valid bank account to the Mr. K software. This is strictly for the goal of collecting bank transaction details.
What are the minimum maximum and amounts of loans I can apply for on KiaKia?
The minimum and maximum amounts of fund that you can assess varies depending on your employment type, income level, and your type of loan request.
What is the loan tenure?
The maximum loan duration first-time borrowers can access is only 30 days. However, your loan tenure can increase to a maximum of 18 months, depending on your credit score and the trust points.
Read Also: What is KiaKia loan USSD code?
How much loan can I apply for?
Since you know your income, consider it before you apply for any loan amount from the platform. Make sure you borrow only loans that you can pay off easily with your income. You may face harsh penalties if you fail to reimburse the loan when it is due.
What is a loan offer?
A loan offer is simply an estimate of the amount of loan the Mr. K software on KiaKia website can grant. This estimate is usually based on your creditworthiness. Basically, the software assesses your credit score based on your financial transaction history. So if you don’t earn much, you may not be able to access huge loans.
How can I repay a loan on KiaKia?
To pay back a loan you borrowed from the KiaKia platform, follow these steps:
1. Visit their official website.
2. Next, pick the ‘REPAY A LOAN’ option on the menu bar.
3. Select any of these options:
- Bank Transfer option to Kiakia Bits Limited. The account numbers are: 0025273484 | Guaranty Trust Bank 1016013383 | Zenith Bank Plc
- Card Payment option
- Monnify – BANK TRANSFER TO THE UNIQUE ACCOUNT (through Monnify unique account)
4. Lastly, pay back your loan via any of the options you selected above.
How to delete my KiaKia account?
To deactivate your KiaKuaaccount, just send an e-mail to the address, helpdesk@kiakia.co asking for the permanent deactivation of your account.
What are the advantages and disadvantages of KiaKia loan?
The pros and cons of this loan web platform include:
Pros
- The KiaKia loan application process is very easy and cash is sent out within minutes
- It does not need any considerable paperwork
- No geographical restrictions. This means you can apply for their loan from anywhere in Nigeria.
Cons
- It usually comes with a loan processing fee
- The maximum amount of loan you can borrow is quite low compared to other platforms
Does Kiakia have an app?
No, Kiakia presently does not have any mobile app you can download. Hence, you can only access their loans on mobile/PC web platforms. As long as you have a smartphone, you can access all the services on KiaKia app.
How can I contact KiaKia loan?
Here are some easy ways to reach KiaKia loan:
Address: Plot 395A Etang Obuli Crescent, off Idris Ibrahim Crescent, Obafemi Awolowo Way, Jabi, Abuja.
Phone Number: 08092245588, 08093078377, 09055111140, 09034425508
Email Address: helpdesk@kiakia.co
Website: www.kiakia.co
Bottom line
The KiaKia loan platform is one that grants you quick access to instant loans for both personal and business use. To get this loan, just visit their official website, create an account, and start your loan processing. Although the loss on this platform is easy to access, the maximum loan amount is small compared to other credit platforms.
