Kudiloans Credit Products
Smart, flexible and secure loan solutions tailored to your unique financial situations.
Designed for Personal and Business Needs
Whether you are sorting a quick family bill or scaling up your storefront inventory, we have a credit limit matching your capability.
Personal Kudiloans
Life is full of unexpected events. Personal Kudiloans are unsecured consumer cash loans intended to cover urgent needs including healthcare bills, utility emergencies, vehicle repairs, or school tuition fees.
- From ₦10,000 to ₦300,000 limit
- Flexible terms (1 - 6 months)
- Disbursed in under 5 minutes
Business Kudiloans
Scale your sales and expand your operations. Business Kudiloans are designed for registered micro-merchants and self-employed professionals needing operational working capital to restock raw materials or inventory.
- Up to ₦1,000,000 maximum limit
- Extensible durations (up to 12 months)
- Promotes business expansion
Loan Parameters at a Glance
We believe in transparent terms. Here is exactly what defines our credit products.
| Parameter | Details & Limits |
|---|---|
| Loan Amount Range | ₦10,000 to ₦1,000,000 (depending on profile assessment) |
| Repayment Tenures | 1 to 12 Months |
| Monthly Interest Rate | 3.5% - 10% monthly interest |
| Collateral / Guarantors | 100% Collateral-free. No physical assets or sponsors required |
| Verification Documents | BVN, NIN, government-issued ID card, and bank transactions statement |
| Disbursement Channels | Instant bank transfer to any verified Nigerian commercial bank account |
What You Need to Apply
To access Kudiloans, you only need to satisfy these basic identity and regulatory requirements:
Age limit (18 - 60)
You must be within 18 and 60 years old at the date of borrowing.
Verified KYC
Your Know Your Customer (KYC) verification secures your profile and prevents identity duplication.
Income & Bank Statements
A steady verifiable source of monthly income and active transactional accounts (3-months statements).