KiaKia Loan – How to Get a Fast Loan without Collateral

KiaKia is a loan service in Nigeria that offers quick and hassle-free short-term loans for both personal and business needs. In Pidgin English, “Kiakia” means fast, which perfectly describes the speed at which you can access a KiaKia loan.


This article will guide you through the process of applying for a KiaKia loan in simple, easy-to-understand steps.

Requirements for a KiaKia Loan:

Before applying for a KiaKia loan, make sure you have the following:

  1. Valid Identification: You’ll need a valid means of identification.
  2. Bank Account with BVN: Ensure you have an active bank account with a Bank Verification Number (BVN).
  3. Proof of Income: Provide evidence of income from your workplace or business.
  4. Working Email Address: Have a functional email address.
  5. Resident of Nigeria: You must be a resident of Nigeria.
  6. Age Requirement: You must be 21 years old or above.

Loan Amounts and Rates:

  • You can borrow from as low as N10,000 to a maximum of N200,000.
  • Interest rates range from 5.6% to 24%, depending on your application.

Steps to Apply for a KiaKia Loan:

  1. Visit the KiaKia Loan Website: Go to the KiaKia website and create an account by providing accurate details.
  2. Initiate an Application Chat: Start a chat with the application process on the site.
  3. Upload Valid ID: Submit a clear picture of your valid means of identification.
  4. Enter Desired Loan Amount: Specify the amount you wish to borrow.
  5. Choose Loan Duration: Select the duration for which you want the loan.
  6. Upload Income Alerts: Share screenshots of your last three salary or business income alerts.
  7. Accept Terms and Conditions: If your application is approved, read and accept the loan terms and conditions.
  8. Authenticate Bank Account: Verify your bank account to proceed with the loan application.
  9. Loan Disbursement: Once everything is confirmed, you’ll receive the loan amount in your bank account.

Repayment Terms:

  • Repay the loan between 7 and 30 days.
  • Consider paying early for potential rewards.

Pros and Cons of KiaKia Loans:


  • Easy application process with quick fund disbursement.
  • Minimal paperwork required.
  • No geographical restrictions; accessible from anywhere.


  • There’s a loan processing charge.
  • The maximum loan amount is relatively low.

Frequently Asked Questions:

Can I get a loan without a job?

Yes, it’s possible, but it might be more challenging. Some platforms, like LoanspotAfrica, do not strictly require proof of income.

Can I get a personal loan without a salary? Yes, you can. Modern technology makes it easier to track borrowers. Platforms like LoanspotAfrica support this.

Can I get a loan if I just started working?

Yes, it’s possible. However, the loan amount might be lower, and you may need to explore platforms with less strict requirements, like LoanspotAfrica.


If you’re in need of a short-term loan, consider applying for a KiaKia loan. As you build credit points with them, you may qualify for larger loans. Simply follow the steps outlined in this guide, and you’ll have your loan application reviewed in no time.

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