Know your loan.
Choose with confidence.

Review the amount, charges, total repayment and due date before you accept an offer in the KUDIKRED app.

Download the App → Estimate repayment
₦See the full cost ✓Review before accepting ↗Complete in the app
Full cost shownAmount and charges in one view
Clear due dateKnow when repayment is due
Secure app journeyAcceptance is completed in the app
Support availableHelp and complaint channels

Who can apply?

KUDIKRED is designed for eligible adults in Nigeria. Applications and identity checks are completed securely in the mobile app.

18 or older

You must be an adult and legally able to enter a credit agreement.

Resident in Nigeria

The service is intended for eligible customers living in Nigeria.

Identity verification

A valid phone number, BVN and required identity information may be needed.

Personal bank account

An active Nigerian bank account is required for approved disbursements and repayments.

Meeting these basic requirements does not guarantee approval. Final eligibility and available amount are determined in the KUDIKRED app.

Apply in the KUDIKRED app.

A clear mobile journey from account setup to a personalised loan decision.

01

Download the app

Install KUDIKRED from the official App Store or Google Play listing.

02

Create and verify

Enter your details and complete the required identity checks securely.

03

Review your offer

See the amount, annual rate, estimated interest, total repayment and due date.

04

Accept in the app

If approved and suitable, accept securely and receive funds in your bank account.

Calculate an example repayment.

Explore an illustrative repayment example before continuing in the app.

This example is provided for general illustration only. Your actual loan amount, repayment period, interest, applicable fees, total repayment amount and repayment date will be clearly shown in the Pricing Details in the KUDIKRED app before you confirm a loan.
₦
₦0₦3,000,000
days
01080
%
040
Your Monthly Repayment₦59,755.23
Total Interest Payment₦79,265.68
Total Payment₦179,265.68
Figures update as the example values change.

Repayment, kept clear.

After accepting a loan, the KUDIKRED app keeps the repayment information and available payment guidance in one place.

Track your due date

View the repayment amount and due date from your loan account in the app.

Follow the repayment instructions

Use the payment method and account details displayed securely in KUDIKRED.

Get support when needed

Contact KUDIKRED through the official support channel if you need repayment assistance.

Ready to check your eligibility?

Download KUDIKRED and complete your application securely in the app.

Download the App →