Personal Loans
| On 2 years ago

KiaKia Loan – How to Get a Fast Loan without Collateral

KiaKia Loan

Kiakia is a loan app in Nigeria that grants short-term business and personal loans.

If you speak pidgin English, you’d know ‘Kiakia’ means fast, or better still ‘quickly’. That is precisely the idea behind KiaKia Loan.

KiaKia loan makes it very easy to access a loan without any collateral.

KiaKia Loan Website

KiaKia Loan Requirements

You need to provide the following documents and meet the requirements to qualify for a KiaKia loan:

  • Valid means of Identification
  • A bank account with Bank Verification Number
  • Also, proof of income from the workplace or business
  • A working email address
  • You reside in Nigeria
  • Finally, you must be 21 and above

Get a loan up to N100,000 at the best affordable rates in Nigeria

Did you know that you can now you can compare interest rates from different lenders with our loan simulator and get the best deal? Making an informed loan decision requires comparing different loan offers before making a commitment. Through our simulator, you can see at a glance, loan offers coming from different lenders in less than 5 minutes, so you can make the right decision regarding your financing. Try it today

How to Apply for KiaKia Loan

Follow the steps below to apply for KiaKia loan:

  1. Visit the website and create an account with your accurate details
  2. Start an application chat on the site
  3. Upload a valid means of identification
  4. Enter your desired loan amount
  5. Choose the loan duration
  6. Upload a screenshot of your last 3 salary or business income alerts
  7. Accept the loan terms and conditions if your application is approved
  8. Authenticate your bank account
  9. Lastly, get credited

KiaKia Loan App

Currently, there is no KiaKia loan app in any of the mobile app stores. All borrowing services are conducted through their website. They claim that this is to allow customers with utility phones to access all their services.

How Much Can I Get from KiaKia Loan?

You can borrow as low as N10,000 and as much as N200, 000 from them. However, most users are assigned a particular amount of loan at the start. As you take and repay a loan in time, your maximum borrow limit increases.

What is KiaKia loan Interest Rate?

This loan attracts as little as 5.6% to as much as 24% in interest rates. Considering the speed of applications, this isn’t a bad rate base. However, one thing that’s certain is that the exact applicable interest rate would be stated during the loan application process where you can either agree or reject it.

Loan Repayment for KiaKia loan

Repayment terms for the Kiakia loan are quite simple. You only need to have repaid the loan between 7 and 30 days. However, it is advisable to pay your loans earlier if you can because of the rewards that come with it.

What are the pros and cons of KiaKia loan?

They include:


  • The application process is easy and funds are released within minutes
  • Also, it does not require any serious paperwork
  • No geographical restrictions, meaning you can apply from anywhere


  • It comes with a loan processing charge
  • Lastly, the maximum amount of borrowable is quite low 

Frequently Asked Questions

Some of the most frequently asked questions on loans in Nigeria include:

Can I get a loan without a job?

Yes, you can. However, it may be difficult to come by as most lenders prefer borrowing to individuals with a steady and proven source of income. The best option would be to apply through loan apps that do not really consider income as one of the criteria. 

Loanspotafrica is the number one platform that doesn’t hold a source of income as criteria for you receiving a loan. 

Can I get personal loan without salary?

Yes, you can. The advancement of technology today means it’s much easier to track borrowers compared to long ago. Basically, you can now get a personal loan without a salary. As a matter of fact, all you need to do is provide your proof of account and undergo the application processes. One of the platforms that best supports this is loanspotafrica.

Can I get a loan if I just started working?

Yes, you can. However, the loan amount would most likely be considerably lower than those with proof of substantial income and you might not have access to as much as they do. Also, you’d have to opt for loans from platforms with less strict requirements like loanspotafrica instead of more traditional banks. 


If short term loans are what you’re looking for, then a KiaKia loan is definitely what you should take a look at. You can apply for much bigger loans if you earn credit points with them for some time. All you need is to access their site, fill in the required steps, and you’ll have your loan application reviewed.

If it’s a success, then you get your loan in no time. You’re only advised to take up a KiaKia loan however if you can afford it. There is no room for defaults. 

You can obtain a comprehensive loan, tailored to your specific needs by using this platform. Basically, it allows you to compare loans from different lenders across Africa, ensuring the best option doesn’t slip through.