How to get KiaKia loan without collateral

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 How to get KiaKia loan without collateral

A banking app called Kiakia offers quick loans for personal and business purposes. If you’re familiar with pidgin English, you are aware that the word “Kiakia” means “fast.” This is why they came up with the KiaKia loan. Obtaining a loan without putting up any collateral is made significantly simpler with a KiaKia loan.

To learn more about the KiaKia loan, its qualifications, and how to apply, continue reading.

What is KiaKia loan?

A division of Nigeria’s Sterling Bank is Kiakia Loan. In addition, it is an online loan financier that offers personal loans in Ghana at affordable interest rates to unemployed people. The KiaKia loan is designed to offer quick and efficient lending availability. especially without any paperwork, collateral, or guarantee.

Simply visit their website, click “Get A Loan,” and a user-friendly chat will open for you to complete and submit your application. They will then walk you through each step of the application process after that.

KiaKia loan requirements

You must provide the following documentation and satisfy their conditions in order to be eligible for this loan.

  • Valid means of identification.
  • A bank account (preferably Sterling bank) with Bank Verification Number.
  • Proof of income from your workplace or business.
  • Your active email address.
  • Must live in Nigeria or Ghana.
  • You must be 21 or above.
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How to apply for KiaKia loan

To apply for KiaKia loan, follow the steps below:

1.Create an account on the website using your correct information.

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.Take a screenshot of your last three salary or income alerts and upload it.

7.If they approve your application, approve the loan terms and conditions.Authenticate your bank account

8.Last, get credited

KiaKia loan app

There isn’t a KiaKia loan app available yet in any of the mobile app stores. Through their website, they control every aspect of their borrowing services. They assert that all of their services will be available to customers with utility phones.

What is KiaKia loan interest rate?

This loan carries interest rates that range from 5.6 percent to 24 percent. This isn’t a horrible rate base, given how quickly customers apply. They clearly state the appropriate interest rate at every stage of the loan application process, which is a given. Customers can choose to accept or reject it.

Loan repayment for KiaKia loan

The terms of the Kiakia loan are straightforward. The loan must only have been repaid during the past 7 to 30 days. But because of the advantages that accompany it. If you are able to, you should pay off your debts as quickly as you can.

How long does it take to apply for a KiaKia loan?

It takes less than 15 minutes to complete the loan application process. You must first fulfill a few requirements before you can qualify for this loan, though.

Other features of KiaKia loan

In addition to lending money to unemployed people, Kiakia Loan also allows users to start investing money through their Kiakia P2P app. This is just one of the many amazing services that Kiakia Loan offers.

The KiaKia peer-to-peer lending software allows you to fund investments and earn income while doing so. By investing in loans and businesses, the interest rate is often between 12 and 40 percent on a quarterly, biannual, and pre-annual basis.

Can I get a loan without a job?

 Indeed, you can. Since most lenders prefer to lend to borrowers who have a reliable and stable source of income, it could be difficult to find. The best option is to use an app to apply for a loan without including income as a criterion.


A KiaKia loan should definitely be investigated if you’re looking for a short-term loan. You can ask for much larger loans if you build credit with them over a long period of time. Simply visit their website, complete the necessary fields, and they will assess your loan application.

You’ll get your loan right away if it’s successful. But only if you can afford it should you take out a KiaKia loan. There is no such thing as a default.

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