Kiakia Loan Requirements in Nigeria 2024 [Documents Needed to Borrow]

  • November 19, 2023

This post contains all the KiaKia loan requirements in Nigeria.

KiaKia is a well-known online platform for loaning and lending money. In other words, it is a peer-to-peer loaning and lending platform.

Many people especially newbies think of KiaKia as a normal payday loan app and/or platform, so they thought the requirements of getting loans there should be the same as the other loan apps.

But frankly speaking, there’s more to KiaKia loan requirements than you would have thought, Although it’s not too strict.

Therefore, if you’re here to know more on how to qualify for KiaKia loan, then keep scrolling down gently, for in this post is all the KiaKia loan requirements that you need to know for fast and easy loan approval.

Without further ado, let’s get started!

About KiaKia Loan Eligibility

KiaKia loan requirements are those essential procedures such as identity and income verification that is needed to be taken to ensure that you are eligible for loans on the KiaKia p2p platform.

While other B2C loan platforms like Fairmoney, Branch, and Okash may just need your BVN and phone number to approve your loan within 5 minutes, KiaKia requires a stronger verification.

Just think of it, on the KiaKia platform, you’re dealing with another customer, and not the company itself. So, if anything goes wrong, the company is to take responsibility.

So, you won’t expect flexible loan requirements from a platform like this.

However, KiaKia loan requirements are still relatively flexible, as what is needed are just some must-have things.

Now, let’s see all the requirements to get a loan on KiaKia, and also how to qualify for KiaKia loan.

Related: Top Loan Sites in Nigeria

What are the Kiakia Loan Requirements

To successfully submit a loan application, you have to fulfill the following requirements:

Age and Residency

First off, you got to be living in Nigeria. So, if you’re a resident here, you’re good to go. Also, you must be above 21 years. If you tick both boxes, let’s move on!

Bank Verification Number (BVN) and Bank Account

You’ll need a valid BVN and a bank account with one of the popular commercial banks like FirstBank, GTB, UBA, Zenith, Access, and so on. These are basics, and there’s no way around them.

Source of Income

Now, let’s talk cash flow. If you’re working, show proof of your salary—could be email alerts or even SMS of your monthly earnings.

Own a business? Same drill, just show there’s money coming in regularly.

Check Out: KiaKia Loan USSD Code


You need a valid ID, and they mean business here. If you’re employed, your Work ID will do the trick.

If you’re your own boss, you’ll need a Government-issued ID. Please note that school IDs won’t work. So, don’t even try it!

Proof of Income

You got to back up that income claim with some solid proof. You can provide screenshots of monthly income alerts or a PDF of your electronic bank statement for the last six months. The choice is yours.

Bank Account Authorization (Optional)

Here’s an alternative: you can let KiaKia peep into your bank transactions. Just connect your bank account to their platform, and they’ll only use it to check if you’re good for the money.

So, there you have it! Once you check off all these boxes, you’re well on your way to getting that KiaKia loan. Easy-peasy, right?

While these requirements may seem much, the verification process is very flexible if you’re able to meet all these requirements before signing up.

See Also: Carbon Loan Requirements

How to Qualify for KiaKia Loan

To successfully submit a loan application on KiaKia, this is how you have to go about it.

  • Download the KiaKia Loan App.
  • Create an account by providing all required details (Name, Phone Number, Age, etc).
  • Provide your Bank Details such as Account Name, Account Number, and BVN.
  • Start an application chat on the platform.
  • Upload a valid work ID or government-issued ID.
  • Enter the desired loan amount.
  • Select duration/tenure.
  • Upload Screenshot of SMS alerts, emails, or PDF statements of your last 3 salaries or Business income.
  • Accept loan terms and conditions (IF APPROVED).

See Also: Loan Apps to Get 50K Loan in Nigeria


Sometimes, the way people talk about online P2P loans and the requirements can make you think otherwise unless you try it yourself.

I believe the KiaKia loan requirements provided in this post will help you easily and quickly get loans from KiaKia without worries.

Do you still have questions?  Then, feel free to drop them down in the comment box below. I’ll be glad to help.