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Frequently Asked Questions

  NEW USERS


HOW DOES IT WORK?

Create a KiaKiaTM account in less than 2 minutes. Complete our 100% online loan application process in less than 15 minutes and submit. Your application will be automatically reviewed and a decision communicated to you within a few minutes. If you are successfully pre-qualified, a notification will be sent to your attester. Once your attester has attested you and all the details are verified, a decision is taken on your application. Once you are deemed credible, a loan agreement form will be forwarded to you. The funds will be transferred directly into the submitted account shortly after. It is that simple and easy.


HOW DO I CREATE AN ACCOUNT?

To create a KiaKiaTM account, on the home page, click "SIGNUP TO GET LOAN" which will display the KiaKiaTM account registration form. Fill this out with valid information, ensuring that your account details (first name and surname) match your Facebook name, valid ID card(s) and BVN details, then submit. Your account is instantly created, and you will be notified via both verification email and SMS (One Time Password - OTP) sent to the email and phone number you provided.


HOW DO I APPLY FOR A LOAN?
  1. For new/first-time users, click on "SIGNUP TO GET A LOAN" on the home page to create an account. For existing users, after signing in, click on the "GET LOANS" widget on the dashboard.
  2. The Loan Estimation sliders will appear, and you will be required to select loan amount and period and estimate your loan repayment. Click on NEXT.
  3. You will be moved to the "Personal Details" form and required to enter precise and accurate personal information.
  4. Clicking "NEXT" will navigate you to the "Employment, Income and Education" form, and you will be required to also submit the following information accurately.
    1. Accurate workplace or business name.
    2. Work Identity Card
    3. Three screenshots images of applicant's last three months' income email alerts. The screenshots must display the applicant's email, the email subject and transaction details.
    4. Click NEXT.
  5. The next form is the "Attestation" Form. You will be required to submit one individual's details as attester. A message will be sent to your attestor with the details you submitted and he/she would be required to attest to the veracity of your identity.
  6. The last form is the "Loan Agreement" Form. You will be required to sign-off on your approved loan application by appending an electronic signature to the loan agreement document. This happens when you go through the agreement, select the checkbox and click on the "SUBMIT" button. You will receive an electronic transaction alert crediting your submitted bank account.

CAN I APPLY ON WEEKENDS?

YES, you can! KiaKia is a 24/7 digital lending service!


CAN I APPLY ANYTIME?

You can apply for a KiaKia loan any time of the day. Application for KiaKia Loans are 24/7. However, receiving the loan funds is dependent on the application/attestation credibility assessment process.


WHAT IS ATTESTATION?

This is the second stage in the loan application process, and is the digital authentication and identity verification process on KiaKiaTM by a third party nominated by you, the loan applicant to prove that the applicant is true and real, and that the credentials presented by the applicant are authentic and not counterfeited in any way. An attester is the third-party. An attester would also get to be verified at this stage based on the details he or she would submit. Any incoherent, unverifiable, untrue and/or inaccurate data submitted by the attester would lead to the loan application declined. An attester will be unable to apply or access a loan while a borrower's loan is active (yet to be repaid).


HOW ATTESTATION WORKS?

Once a loan application successfully crosses first-level verification, an attestation link is transmitted to the email of the individual as submitted by the loan applicant. The attestation link when clicked initiates a 4-stage process.

  1. Once you click on the link sent to you, you will be navigated to the Attestation Login Page. You click GET OTP to receive an OTP, enter the OTP sent to the mobile number of the attester as submitted by the applicant. Enter the CAPTCHA Code as is, tick the checkbox to agree to KiaKiaTMterms and conditions of attestation, and submit.
  2. The 2nd stage is the Facebook login, where the attester is required to login and his Facebook credentials would be verified.
  3. The 3rd stage is the BVN verification, where your attester is required to enter his BVN to verify that he/she is a banked and bankable Nigerian.
  4. Once that is successful, the attester is navigated to the Loan Attestation page. He/she is required to go through the Loan Attestation page very carefully before accepting the attestation via ticking the checkbox, and submitting. If your attester experienced any error alert, it means that he/she failed a part of the verification, especially the OTP and/or captcha, which are used to verify the submitted mobile number, and the input of the attester.

IS KIAKIATM SAFE?

Yes, KiaKiaTM uses encrypted communication protocols to ensure that all personal information you provide is safe and secure. Verify this by looking for a green padlock in the upper left corner of your URL address bar. You should also make sure the address bar says "https://" before the URL (note the "s" for secure sockets layer, or encryption). When you see both of these characteristics, all communication provided on the website you are on is encrypted and secure.


IS KIAKIA A BANK?

No, KiaKia is not a bank. We do not receive deposits from the general public nor do we offer savings or current accounts. KiaKia is a licensed, fully regulated direct moneylender, owned and provided by KiaKia Bits Limited. Even though we offer a service that is 100% online, you can still reach us whenever you need assistance and clarifications at helpdesk@kiakia.co.


WHO HAS ACCESS TO MY DATA?

KiaKiaTM does not share your personal details with external parties. However, if you are approved for a loan, we will submit your name and loan performance to national Credit Bureaux, so it is important to ensure that you repay your loan on time so your credit history is not negatively affected. If you make timely repayments, this increases your chances of accessing credit from financial institutions in future. However, visit our terms and conditions to know more about personal details information.


HOW DO I REPAY MY LOAN?

When your loan application has been processed and successfully approved, the funds are transferred to your submitted account. However, if you wish to repay earlier than the due date or on the due date, sign into your KiaKia account, click on the "Repay Loan" widget or the "Repay Loan" link under "My Loans". A table will appear with your active loan information. Click on the "Repay Loan" button. Follow the instructions that follow after for repayment. Early repayment does not imply that the terms of your loan obligation will change.


WHY IS MY BVN REQUIRED?

Our primary means of identification for all our website users (borrowers and attesters) is the BVN (Bank Verification Number). We use the BVN of our borrowers ONLY for the purposes of identification.


WHY WAS MY LOAN APPLICATION DECLINED?

There are a few possibilities for loan application decline. Loan applications are declined if the credibility of the borrower cannot be ascertained, or the applicant is not creditworthy as determined by our automated credit risk assessment algorithm. Another reason for decline is inadequate and inconsistent identification of applicants. This is why we encourage applicants to submit accurate, consistent and coherent details. Our system is fully automated and will always decline the slightest information deemed inconsistent and incoherent.


WHY IS MY BANK ACCOUNT REQUIRED?

It is important for us to send your approved loan funds to your provided account kiakia! We request bank account details as that is where we will disburse funds to, if and when your loan is approved.


CAN I ACCESS KIAKIA FROM MY LOCATION?

KiaKia is accessible from all 36 states of Nigeria and the Federal Capital Territory. You can not use or access KiaKia or any of the proprietary services outside Nigeria.


WHAT IS THE INTEREST RATE?

The KiaKiaTM interest rate is 0.80% daily. This is to encourage borrowers to be financially responsible and repay their loans as quickly as possible. It is also because our loans are for short-term purposes.


WHAT DOCUMENTS DO I NEED TO SUBMIT?

You do not need to submit any documents to get a KiaKiaTM loan. We'll request for some very important information from you. All you need to have is a valid Facebook account, valid work and government ID for employed, two government IDs for self-employed, your BVN and your BVN-linked income account for your loan prequalification and funds transfer IF your application is successfully approved.


I WAS APPROVED FOR A LOAN, BUT I HAVE NOT RECEIVED THE FUNDS?

Loan funds disbursement commences immediately your loan is approved within 60 minutes. This is dependent on the borrower submitting all information accurately, along with the nominated attestor attesting to submitted details WITHIN the hour. However, note that in rare occurrences, due to network challenges, loan funds disbursements can experience delays of maximum of 48 hours before you receive the money in your account. Contact KiaKia for a resolution, otherwise please contact your bank for resolution.


I DID NOT RECEIVE AN ACTIVATION EMAIL.

The email account activation link is included in the first KiaKiaTM email you receive while creating your account. The account activation OTP (One-Time Password) is sent to the phone number you provided. If you did not receive these, please check your email SPAM or JUNK folders. If you still don't see the email verification code, ensure that you did not make a mistake in the email you submitted. If you still do not see the email verification code, kindly contact us at helpdesk@kiakia.co or through any of our social media channels and we will willingly assist you.


HOW MUCH CAN I BORROW FROM KIAKIA. FOR HOW LONG?

Typically, we advance you with loan amounts between N10,000 and N150,000 for a minimum duration of 7 days and a maximum of 30 days. Responsible borrowers who earn financial responsibility trust points over a period of time will be able to access much bigger amounts at longer tenure and more flexible interest rates. The amounts we advance in loans can not exceed 40% of the monthly earning of any borrower.


WHO CAN I CONTACT TO SUBMIT A QUESTION, COMMENT OR COMPLAINT?

Always contact us any time at helpdesk@kiakia.co, via CONTACT KiaKia or find us on our social media channels viz Facebook at www.facebook.com/KiaKia and Twitter at www.twitter.com/kiakia_co. If you already have an account, you could also reach out to us via your dashboard widget "Contact KiaKia". We will attend to you as quickly as possible and resolve whatever issue you might have.


WHY CAN'T I UPLOAD IMAGES?

There are three categories of images you can upload on the KiaKia platform. The user account profile image, the identification image screenshots (WORK ID and Govenrment-issued ID) and the screenshots of the income/salary EMAIL alerts (NOT BANK ACCOUNT STATEMENTS). KiaKiaTM places a restriction on the sizes of the images to 300kB. Image sizes between 150kB to 250kB would easily and quickly be uploaded without returning error alerts. All image formats are restricted to PNG, JPG/JPEG and GIF. Difficulties experienced in uploading images is always due to the images to be uploaded exceeding the stipulated size.


WHAT HAPPENS IF I CAN'T MAKE MY REPAYMENT ON MY DUE DATE?

We understand that financial situations can change unexpectedly. If you find yourself in a circumstance that hinders your ability to make scheduled repayment, please contact us immediately via your account inbox or helpdesk@kiakia.co. It is instructive to note that there are repayment defaults (i.e. failure to make payments on due dates) which incurs fees per day. Additionally, defaulting borrowers are reported to Credit Bureaus and this will likely affect your ability to access loans in the future. We therefore advise you to make every effort to meet your loan obligations on time.


I CANNOT LOGIN. HOW CAN I RESET MY PASSWORD?

If you experience difficulties signing into your KiaKiaTM account, please follow the steps outlined below -

  1. Click on LOGIN to reveal the LOGIN popup. Click "Forgot Password" beside the CANCEL button on the popup.
  2. The PASSWORD RECOVERY/RESET popup will appear, and you will be required to select the security question and enter the answer you submitted during registration as well as your user email. You also select the mode of OTP delivery - SMS or Email, and click SUBMIT. You will see a notification that the OTP has been sent to your EMAIL or PHONE NUMBER, and an OTP verification popup will appear. Enter the OTP, which is case-sensitive, and click SUBMIT. An alert will appear with the message "Your new password has been sent to your email".
  3. Check your email, and copy out the password as is in the email. You can log into your KiaKia account with this password. Click on LOGIN to log in.
  4. After a successful login, on the left hand bar, click on the last option "Security Settings" to reveal CHANGE PASSWORD. Click on it, a CHANGE PASSWORD popup will appear, OR alternatively, click on the KEY icon on the top section of the left bar.
  5. Enter the recovery password you logged into your account with, enter the new password you want to use, click on SEND OTP. A browser alert will appear with this information - "Your OTP code has been sent to your phone", click OK and enter the OTP code into the Verification Code input bar. Click CHANGE. Your new password would replace the recovery password and you can then sign in with it into your account.


WHY CAN'T I UPLOAD IMAGES?

There are three categories of images you can upload on the KiaKia platform. The user account profile image, the identification image screenshots (WORK ID and Govenrment-issued ID) and the screenshots of the income/salary EMAIL alerts (NOT BANK ACCOUNT STATEMENTS). KiaKiaTM places a restriction on the sizes of the images to 300kB. Image sizes between 150kB to 250kB would easily and quickly be uploaded without returning error alerts. All image formats are restricted to PNG, JPG/JPEG and GIF. Difficulties experienced in uploading images is always due to the images to be uploaded exceeding the stipulated size.


WHAT HAPPENS IF I CAN'T MAKE MY REPAYMENT ON MY DUE DATE?

We understand that financial situations can change unexpectedly. If you find yourself in a circumstance that hinders your ability to make scheduled repayment, please contact us immediately via your account inbox or helpdesk@kiakia.co. It is instructive to note that there are repayment defaults (i.e. failure to make payments on due dates) which incurs fees per day. Additionally, defaulting borrowers are reported to Credit Bureaus and this will likely affect your ability to access loans in the future. We therefore advise you to make every effort to meet your loan obligations on time.

  EXISTING USERS


I JUST REPAID MY LOAN, CAN I APPLY FOR ANOTHER LOAN?

If you successfully repaid your previous loan on time, you can re-apply for another loan immediately.


CAN I MAKE AN EARLY REPAYMENT? HOW DO I DO THAT?

Sign into your KiaKia account, click on Remita Pay. You will be directed to a secure page where an RR number and the exact loan repayment amount have been automatically generated for the repayment,and you can repay manually via bank deposits, or automatically with your debit card.


WHAT DOES EARLY REPAYMENT MEAN?

Early repayment means that you repay your KiaKia loan before your loan repayment due date. Repay in this context means that you pay back funds totaling the exact repayment amount either through your debit card or via bank deposit using the Remita RR number automatically generated for that loan repayment transaction.


HOW DO I CHECK MY LOAN INFORMATION AND DUE DATE?

To check your due date and loan details, you will have to sign in to your KiaKiaTM account, click on "My Loans", navigate to "Loans History" to check details of your recent loans.


WHAT HAPPENS IF I DON"T PAY BACK MY LOAN?

As KiaKiaTM desires to do keep you as a customer, it is our desire that you also play your own part by ALWAYS repaying your loans on or before due date. If you find yourself in a circumstance that hinders your ability to make scheduled repayment, please contact us immediately via your account inbox or helpdesk@kiakia.co. We always do our very best to help you avoid these situations and the consequences which are:
- Suspension of your access to our lending service
- Reporting your account delinquency to credit bureaux
- Involvement with external collection agencies
- As last resort, having exhausted all agreed channels, legal action

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