Kiakia Loan App: USSD Code, Requirement

Kiakia loan app is a financial app which offers short-term commercial as well as personal loans and business loan without collateral.

 If you know the pidgin language of English then you’ll be aware that the word ‘Kiakia’ translates to “quickly”. The creators of this loan called KiaKia loan app keeping this concept in mind. KiaKia loans make it easy to obtain an advance without having to put up any collateral.

Learn what you need to know on KiaKia loan, its terms, and the best way to apply.

Kiakia Loan App

What exactly is KiaKia loan app?

Kiakia Loan is an affiliate of Sterling Bank of Nigeria. In addition, it’s an online loan lender which offers personal loans to those who are not employed in Ghana with reasonable rates of interest. The concept behind KiaKia loans is to offer quick and efficient access to loans. In particular, it is free of documents, guarantor or collateral.

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All you need do is visit their website and choose their “Get A Loan” option that opens a chat for users that you can fill in an application. After that, they’ll guide you through each step for submitting your application.

KiaKia Loan app conditions

To be eligible the loan you need to submit these documents, and satisfy the requirements of these documents:


  1. A valid method of identification.
  2. Bank account (preferably one that is Sterling) with a Bank Verification number.
  3. Evidence of your income from your job or business.
  4. Your active email address.
  5. You must reside within Nigeria either Ghana.
  6. It is necessary to be aged 21 years old or over.

How do I submit an application to KiaKia loan app

For an application for KiaKia loan Follow the steps below:

  1. Make an account through the site with the correct information.
  2. Create an application chat on the website
  3. Upload a valid method of identification
  4. Enter your desired loan amount
  5. Select the loan’s duration
  6. Take a photo of your three most recent salary or income alerts, and upload it to.
  7. If they approve your application, approve the loan terms and conditions.Authenticate your bank account
  8. Last, get credited

KiaKia loan app

On any one of the app stores for mobile, there’s no KiaKia loan application. They handle all their borrowing services via their website. Users with phone with utility service, as they say have access to all their services.

What is KiaKia loan’s interest rate?

The rates of interest on this loan vary from 5.6 percent up to up to 24 percent. Due to the speed at the loan application process the loan, it’s not an unfavorable rate starting point. One thing is for certain that they provide the most rates of interest that are applicable throughout the loan application process. The customers can choose to accept or deny it.

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Repayment of loan for KiaKia loan app

The Kiakia loan comes with simple repayment conditions. The only requirement is to repay the loan within of 7-30 days. However, there are advantages it brings. It is crucial to pay off your loan when you’re able.

What is the time frame to apply for an KiaKia loan?

The entire process of applying for a loan will take just 15 mins. There are a few conditions you have to fulfill before you are able to apply to this type of loan.

Other advantages of KiaKia loan

Kiakia loan comes with lots of unique features, such as being able to only offer loans to jobless people. Users can begin investing their money using Kiakia loan through their Kiakia P2P application.

KiaKia P2P is a money lending application that allows you to fund, invest and earn interest while doing it. The typical interest rate is between 12%-40% each quarter or bi-annually, and also pre-annually through investing in loans and business.

What are the advantages and disadvantages of a KiaKia loan app?

They comprise:


  1. The application process is straightforward and cash can be deposited in just a few just a few minutes.
  2. It also doesn’t need any significant documentation
  3. There are no geographical limitations, which means that you are able to apply from anywhere
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  1. It is accompanied by a processing fee
  2. The final point is that the maximum amount you are able to borrow is very low.

Frequently Asked Questions

The most frequently asked questions about loans in Ghana are:

Is it possible to get a loan with no job?

Yes, you can. It can be difficult to get, because the majority of lenders prefer lending to those with an established and consistent earnings source. It is best to request the loan via an application that doesn’t use income as a factor.

Can I obtain a personal loan, without having a income?

Yes, you can. Nowadays, thanks to technological advances and advances in technology, it’s much easier to locate the borrower than previously. In the end, you can obtain a personal loan without having to work. In reality all you have to do is provide your proof of account , and complete the application.

Can I qualify for a loan even though I have just started my job?

Yes, you can. But, the amount will be much less than that of those who have good income records and you may not be able to get as much as they do.


If you’re in search of the quickest loan for your needs then it’s a KiaKia loan is definitely something to consider. If you accumulate credit points through them over longer periods of time and you want to apply for significantly more substantial loans. All you need to do is visit their website, and fill in the necessary steps and they’ll review the loan application.

If the loan is successful then you’ll receive your loan in a matter of minutes. Howeve


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