KiaKia Loan App: Simple Steps To Apply For Sterling Bank Loan 2022

KiaKia is the leading and best Peer-to-Peer lending investment platform in Nigeria (Inclusive Finance Conference and Awards, 2019)

KiaKia as a licensed lender originates, books, structures, facilitates and funds secured personal and business loans of between N10,000 and N100,000,000 and tenures ranging from 30 days to 24 months via its online platform. To achieve this, the lending platform essentially do what the banks do with less bureaucracy and administrative encumbrances. By lending out people’s funds, Kiakia believes that your money should work for you instead of someone else.

In 2017, Kiakia launched the KiaKia P2P on this principle. They created a peer-to-peer product to aggregate funds of those who have money to invest and lent it out to those who want to borrow it. They may not offer the lounge service and marble foyer of your bank, but exist for people who want rewarding investments. Or a competitive and speedy loan that respects the time value of money for entrepreneurs.

You fund, we lend, you earn.

Rather than leave funds stashed and idle, you can provide it as capital which KiaKia uses to fund individuals and businesses to earn interests or share profits (if that is what suits your faith). With as little as N50,000 and as high as N25,000,000, you can earn as much as 36% interest depending the tenure election. You can also share profits from the earnings of businesses in selected industries.

Simple, Secure and Better earnings

With over N9,000,000,000 successfully lent out through KiaKia P2P with capital provided by individuals across the world, you can be one of those who put their money to good use in order to grow without any risk of losing it as a result of the security that backs all transactions.

How To Apply For Sterling Bank KiaKia Loan
KiaKia Loan App: Simple Steps To Apply For Sterling Bank Loan 2022

It’s extremely fascinating that a portion of the total repayment amount will remain in your account and not belong to your lender. For instance, if you borrow N100,000 and repay N108,000 with it, you will have N5,000 left over. Isn’t that wonderful?

This loan has no collateral requirements, but if you don’t repay it through your sterling bank account, keep in mind that your BVN has been collected, and that links to other accounts. That implies that they have access to your other bank accounts. It’s that easy.

If you speak pidgin English, you’d know ‘Kiakia’ means fast, or better still ‘quickly’. That is precisely the idea behind Sterling bank KiaKia Loan app credit facility.

KiaKia loan app online lending makes it very easy to access a loan without any collateral.

Please note that there isn’t a Sterling bank KiaKia loan app for loan application available right now in any of the mobile app store. Their website is where you may use all of their borrowing services. They assert that this will enable utility phone users to access all of their services.

How To Apply For Sterling Bank KiaKia Loan
KiaKia Loan App: Simple Steps To Apply For Sterling Bank Loan 2022

The interest rates on this loan range from as little as 5.6% to as much as 24%. This isn’t a terrible rate basis, taking into account the speed of applications. One thing is for certain, though: during the loan application process, the precise applicable interest rate will be disclosed, and you can choose to accept or reject it.

The terms of the Kiakia loan app quick credit are very straightforward. The loan just needs to be paid off within the last seven to thirty days.

ALSO READ: Top 20 Best No Refusal Installment Loans Canada

However, due of the benefits that come with it, it is advised to pay off your debts earlier if you can, this will boost your credit score against when next you intend to apply for Sterling bank kiakia loan app.

These are the requirements needed to apply for Sterling bank KiaKia loan app Credit:

  • Valid means of Identification
  • A bank account with sterling bank and also a Bank Verification Number
  • Also, proof of income from the workplace or business
  • A working email address
  • You reside in Nigeria
  • Finally, you must be 21 and above

Advantages Of Sterling Bank Kiakia Loan

  • The application process is easy and funds are released within minutes
  • Also, it does not require any serious paperwork
  • No geographical restrictions, meaning you can apply from anywhere


  • It comes with a loan processing charge
  • Lastly, the maximum amount of borrowable is quite low

Follow This Simple Steps Below To Apply For Sterling Bank KiaKia Loan:

  • Visit the website and create an account with your accurate details
  • Start an application chat on the site
  • Upload a valid means of identification
  • Enter your desired loan amount
  • Choose the loan duration
  • Upload a screenshot of your last 3 salary or business income alerts
  • Accept the loan terms and conditions if your application is approved
  • Authenticate your bank account
  • Lastly, get credited

Sterling bank KiaKia loan app is unquestionably what you should look at if short-term loans are what you’re after. If you work with them for a while and build credit with them, you can qualify for loans that are much larger. You only need to visit their website, complete the necessary fields, and your loan application will be reviewed.

How To Apply For Sterling Bank KiaKia Loan
KiaKia Loan App: Simple Steps To Apply For Sterling Bank Loan 2022

If it is successful, you will quickly receive your loan. However, you should only apply for a KiaKia loan if you can afford it. No room exists for defaults.

To apply for Kiakia loan click here

Using this platform, you can get a comprehensive loan that is crafted to meet your unique demands. In essence, it enables you to evaluate loans from several lenders in Africa, guaranteeing that the ideal choice doesn’t lapse.

If a problem is encountered while acquiring the loan or you have a problem on what to do and how to do it, you can speak with their customer care representatives at 08093078377, 0905511140 or 08092245588.

You can also email them or also on whatsapp @08092245588 or visit them at Dele Onabule Street, Magodo Brooks Estate Lagos And Suite S3, Path field mall, 4th Avenue Gwarinpa Abuja.

We have given you a step by step guide on how to successfully apply for a loan without collateral and going through this post you can see we just made your decision to apply for a loan from kiakia very easy.

Before accepting any loan, make sure to read the terms and conditions, the interest rates, and the methods of repayment.

If this post has been helpful to you in any way, please don’t forget to share it with your friends.

Don’t forget to leave your thoughts; we’d love to know what you think about their loan offers.

Frequently Asked Questions (FAQs) About KiaKia Loan App, Sterling Bank Loan 2022

What Is The Code To Borrow From Sterling Bank?

Sterling Bank customers have access to basic financial services by simply dialing *822#.

How Do I Borrow From KiaKia Loan App?

Follow the steps below to apply for KiaKia loan app:
  • Visit the website and create an account with your accurate details.
  • Start an application chat on the site.
  • Upload a valid means of identification.
  • Enter your desired loan amount.
  • Choose the loan duration.
  • Upload a screenshot of your last 3 salary or business income alerts.

What Documents Do You Need To Open A Sterling Bank Account?

To open a Starling account you will need a valid government-issued photo ID, such as a passport or a driving licence. We are unable to accept birth certificates, or citizen cards. Read more about our account opening process here. Please note all of our accounts are subject to eligibility criteria.

Is KiaKia Loan App Credit In Ghana?

Kiakia loan is a subsidiary of the Sterling Bank of Nigeria. Besides that, it is an online loan financier that provides personal loans for unemployed in Ghana at reasonable interest rates. The concept behind the KiaKia loan is to provide fast and effective loan access.

Do You Need Quick Or Emergency Cash From Reputable and Reliable Loan Apps In Nigeria?

Quick Naira App: N50k Fast Loan With No Collateral Or Document is promoting ethical lending services in Nigeria in particular and globally in general. The website also in partnership with QUICK LOAN ARENA is fighting fake loan apps
and loan shark harassment against customers across board.

In need of an instant loan or an emergency cash loan? You can apply and get funded under 3 hours, a few more hours or within 24 days.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans, direct to your debit card, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

CLICK HERE to apply if you are an unemployed in US.

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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