All Things Fintech in Africa

KiaKia Loan Requirements and How To Apply

KiaKia Loan Requirements– KiaKia is a Peer to Peer platform accessible to residents of Nigeria whereby users can either borrow or lend.

KiaKia Loan Requirements

The borrowing option is strictly web-based while lenders can download the KiaKia P2P app from the Google Playstore.

The KiaKia P2P is offered by Kiakia Bits Ltd and has over 10K+ downloads in addition to a 4.0/5 star rating with 50+ reviews


To successfully submit a loan application, you have to fulfill the following requirements –

  1. An applicant must be resident in Nigeria
  2. An applicant must be above 21 years of age
  3. An applicant must possess a Bank Verification Number (BVN) and be an account holder with any of the mainstream commercial banks in Nigeria.
  4. An applicant must have evidence of verified source(s) of income (employed in the public/private sector or runs his/her own business)
  5. An applicant must provide a valid means of Identification (Work ID for employed applicant, and Government-issued ID for self-employed) applicant
  6. An applicant must provide proof of income (sms or email screenshots of monthly income alerts or electronic bank statement (in Pdf format) for the 6 most recent months)
  7. Alternatively, an applicant can authorize KiaKia to view his/her bank transactions by connecting his/her bank account to the Mr. K software ONLY for the purpose of obtaining bank transaction details.


To successfully submit a loan application, this is how you have to go about it –

  1. Create an account by providing all required details
  2. Start an application chat
  3. Upload work ID or government-issued ID
  4. Enter the desired loan amount
  5. Select duration/tenure
  6. Upload Screenshot of SMS alerts or PDF statement of your last 3 salaries or Business income
  7. Accept loan terms and conditions (IF APPROVED)
  8. Authenticate your submitted bank accounts
  9. Get credited


Kiakia loan app offers a minimum loan amount of ₦10,000 to a maximum amount of ₦200,000


The Kiakia loan interest rates range between 5 – 24%


Our maximum loan tenure for first-time borrowers is 30 days. However, loan tenures can be increased based on your credit score and trust points to a maximum of 18 months.


To repay a loan select the ‘REPAY A LOAN’ option on Mr.K’s menu and select any of the following options –

  1. Bank Transfer to Kiakia Bits Limited
    • 0025273484 | Guaranty Trust Bank
    • 1016013383 | Zenith Bank Plc

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