Find out all the necessary information about Kiakia Loan. Learn about their Loan offers, Interest Rate, repayment, payback window, How to ya back, how to get support on technical issues and all other information you may so need about the online loan company in Nigeria.


What is Kiakia?

Kiakia loan is a new online financial services service provided by Sterling Bank. Like other online services, Kiakia loan provides online lending to individuals in the form of consumer loans for up to 30 days or more.

>Do You Want To Receive Update As Soon As We Publish? join our Telegram Channel stay updated with the latest headlines--CLICK HERE

In order to quickly apply for a loan, you need to register, confirm with a tick consent to the processing of personal data and fill out an application. The language of filling out the loan application is clearly written in English.

Indication of additional information in the optional fields of the application may increase the likelihood of a loan. Before entering the details of payment cards and the transfer amount, you should familiarize yourself with the terms of the public offer by reading the company’s loan terms and conditions.

We NNmedia always recommend that potential borrowers must soberly assess the probability of repayment of the debt on the date chosen by him, since a delay in payment may affect credit history and obtaining loans in the future.

How it Works

Kiakia loan is an initiative of Sterling bank, it is an online loaning facility set up to help needing Nigerians have timely access to microloans in times of need.

To get a loan on Kiakia loan is pretty simple, all you need to do, visit the Kiakia website and show a will to get a loan by clicking on the get loan button, and follow the onscreen process to complete the process.

After you have completed your registration, you might be told to meet with a live agent to further determine if you qualify for the loan. This process will probably be avoided if there was a Kiakia loan app, right?

Anyway, let’s have a look at the requirements and what you need to have in other to apply for a loan through Kiakia

Loan requirement

To access Kiakia loan collateral is not required, once you meet and have all of the below identity Instruments, you are good to go to get a loan on Kiakia

  • A valid ID card (Valid International Passport or NIMC National identity Card)
  • A valid email address
  • A working bank account (Preferably a sterling bank account)
  • Completed and Valid BVN profile/Number
Also Check  10 Best Car Loan companies in Nigeria 2021

How to register

To register on Kiakia website, you will need to have PC or smartphone that is connected to the internet.

  1. Open up your mobile or PC and type to visit the Kiakia loan website, Please note that the company doesn’t have a loan app yet.
  2. Click on the“Get a loan” to start your implication.
  3. You will immediately be linked to the Kiakia Chatbot, which will request for your email address and walk you through the remaining process.

Email and phone number registration are one of the prerequisites for filling out a loan application. In the future, various notifications will be sent to your mail, such as confirmation of an email address, confirmation of an approved or unapproved loan, a letter on crediting credit funds to an account, etc. Also, SMS will come containing a code. If you do not receive an SMS notification, we recommend using the following recommendations:

The whole process of registration is not so complicated, and you should finish up in about 15 minutes, in some case they may need or require you to visit one of their agents on site.

You may need to reboot your device and request a resending SMS notification.
If you still can’t get the SMS notification you may need to deactivate DND on your SIM, if you still can’t receive the SMS code or OTP, then you may need to contact Kiakia support for technical assistance on your account.

Kiakia online lending system works automatically helping to minimize the time spent on obtaining a decision on your loan application. As a rule, the answer comes within 15 minutes.

How to Get Loan

First of all, we advise you to check the correctness and completeness of the data you specified when applying for a loan. We also recommend that you verify the activity of your bank account. You can also use the other option of crediting the credit bureau and request data on your credit history.

You can apply for a new loan at any time after the repayment of the last loan. You can make a loan payment: in your account on the Kiakia website.

Also Check  Debit, Credit card number, BIN, CVV, MII, IIN, PIN, OTP, Expiry date explained

Loan Interest rate

KiaKia loan Interest rate is fairly acceptable,  though, what you get sometimes depend on personal factors from individual-to-individual due to reasons that Kiakia loan offer loan based on their own unique credit assessment system, which boils down to your creditworthiness and history.

However, Kiakia loan Interest rate is based between 5.6% – 24% , and a window of 7 to 30 days for loan repayment. This interest rate must be somehow big when compared to other online lenders like Fint Loan, which we give more details in our next publications.

Loan limits

Like every other online microloan app providers, there is a loan limit or a loan offer, a loan offer is an amount the company is ready to give you, given your credit history, the final amount or loan offer is subjected to factors like credit record reports from your banker and other information on your mobile. whatever the case, the minimum loan you can get from Kiakia is N10,000 and Kiakia maximum loan offer is N200,000.

Kiakia loan online credit system instantly makes decisions on issuing online loans. The speed of decision-making depends on the completeness and quality of the data provided by the client. For most customers, the whole procedure lasts no more than 15 minutes to 24 hours.

The speed of transferring money to your bank account depends on the operating mode of your bank. For most of our customers, funds are credited instantly after agreeing to the loan agreement in the Personal Account area of your  KiaKia loan.

Don’t see the money as free money or salary, you need to take into consideration the repayment window and how you planned to pay back your loan in good time, so you don’t have a badly damaged credit and run into bigger financial issues that will require bigger money to recover.

Loan Repayment

In the next few lines, I will show you how to pay back your KiaKia loan is very simple and straightforward steps.

  1. Access your personal area on the website (Kiakia uses website and not android or iOS app as seen with Branch loan and Fair Money Loan apps, at least not yet), click on “Click to get loan”
  2. Find the “Repay a loan” button and click on that
  3. There is a provisional Kiakia Chatbot which will request your email address,  be sure to only supply the email address you used in registering your Kiakia loan account.
  4. The next is to patiently wait for the chatbot to usher you through the rest of the process of repayment.
Also Check  Power Of 2 Smart Contract Review- Join now and Make 500k Ton within 45 days

There are some instances that you have already received money on the card and still change your mind about taking the loan, there are some online lending system that provides the ability to repay the loan on the day it is issued without charging interest for that day, but we cannot say if KiaKia have the same facility for their customers, you can get in touch with them if this is your situation.

You cannot take more online loans until the repayment of the current loan, you do not have the opportunity to take a new one. You need to also understand that using the services of other financial organizations, may adversely affect your financial situation in the future.

If you have a problem with the repayment term of the current loan you need to contact Kiakia loan on how to go about the repayment.

Company Details

Kiakia Loan also known as Mr K. has a registered trademark- KiaKia Bits Ltd. The company is licensed and regulated by the Money Lenders Act Cap 52. The company’s registration details is RC N∗ 799552

Customer Care Channels

For concerns on any issue, you can get quick support from Kiakia team by using their dedicated Emails and phone numbers listed below the fold:


Phone Numbers: 08093078377, 09055111140 or 08092245588.

Office and Contact Addresses

LAGOS- Dele Onabule Street, Magodo Brooks Estate, Lagos.

ABUJA – JABI office is located at PLOT 395A Etang Obuli Crescent, off Idriss Ibrahim Crescent, Obafemi Awolowo Way, Jabi, Abuja.

ABUJA – GWARIMPA office is located at Suite S3, Pathfield Mall, 4th Avenue, Gwarinpa, Abuja.

Kiakia Loan Whatsapp Number: 08092245588

Social Media Contacts

__________________________________________________________________________ >COPYRIGHT WARNING!!
Contents on this website should not be Copied,Republished, Reproduced and/or Redistributed either in whole or in part without proper/Adequate permission or acknowledgment. All contents are DMCA Protected. Defaulters will face the penalty immediately if discovered by reporting to Google!
If you own this content & believe your copyright was violated or infringed, please contact us at [] to file a complaint and we will take necessary actions immediately.


Please enter your comment!
Please enter your name here