Need to repay your KiaKia loan but have no internet access? You can settle your debt using simple, offline methods available across Nigeria. This is a common challenge, especially with network issues or for users in areas with poor connectivity.
This complete guide provides expert tips on proven, practical steps to make your KiaKia loan repayment without an internet connection. We cover using bank branches, USSD codes, and authorized agents, all within the Nigerian context.
Understanding these repayment options ensures you avoid late fees and maintain a good credit score with the digital lender. Let’s explore the reliable ways to fulfill your loan obligation seamlessly.
Requirements / What You Need
Before you proceed with any offline repayment method for your KiaKia loan, ensure you have the following items and information ready. Being prepared saves you time and multiple trips, especially if you’re using a cyber café or a bank branch.
- Your KiaKia Loan Account Details: This is your unique loan ID or reference number. You can find it in the SMS notification sent to you when you first received the loan. Do not confuse this with your registered phone number.
- Exact Repayment Amount: Know the total sum to be repaid, including the principal and any accrued interest or fees. This amount is also in your loan SMS. Have extra cash (₦100-₦500) for potential bank transfer charges or agent fees.
- Valid Means of Identification: If visiting a bank branch or an agent, carry a original and photocopy of your National ID Card (NIN slip), Driver’s License, International Passport, or Voter’s Card. This is for verification.
- The Registered Phone Number: The phone number linked to your KiaKia account. Some USSD methods or agent verifications may require an OTP sent to this number.
- Cash or Bank Account: For bank deposits, have physical cash. For agent payments, cash is typically required. Ensure you get a stamped transaction receipt as proof.
Step-by-Step Process
Step 1: Confirm Your Exact Outstanding Balance
First, you must know the precise amount to pay. If you have the SMS from KiaKia, check it for your loan ID and total repayment sum. If you don’t have it, you can dial *561# from your registered phone number. This USSD code often works even with low network and may show your balance. Watch out for network timeouts; if it fails, try again during off-peak hours like early morning.
Step 2: Choose Your Preferred Offline Payment Method
Decide which method is most convenient. For immediate action, use a bank deposit or transfer. If you are near a market or bus park, look for a KiaKia agent or a reputable mobile money agent. Consider the bank option if you need a formal receipt for your records. Be aware that bank branches can be crowded, especially on Fridays or month-ends, so plan for potential delays.
Step 3: Initiate the Payment Transaction
For Bank Deposit/Transfer: Go to any commercial bank branch (like Zenith, GTBank, UBA, or First Bank). Fill a deposit slip. For the Account Name, use “KiaKia” or “Creditwave Limited” (their registered company). Use the account number provided in your loan agreement SMS or on their website. Pay the exact amount in cash.
For USSD Code: From your registered phone, dial the bank’s USSD code for transfers (e.g., *966# for GTBank, *737# for GTB, *919# for UBA). Follow the prompts to send money to the KiaKia company account number. Ensure you have a PIN for the USSD service set up with your bank.
For an Agent: Visit an agent, provide your loan ID and phone number. They will process it from their device. Do not pay any agent who cannot provide immediate confirmation on their system.
Step 4: Securely Collect and Store Your Proof of Payment
This is the most critical step. For a bank deposit, ensure the teller stamps your deposit slip and it clearly shows the date, amount, and beneficiary account name/number. For an agent, get a transaction receipt or a screenshot from their device. For USSD, save the transaction alert message. Do not leave the location without this proof. Nigerian bank portals can sometimes have delays in reflecting payments, so this receipt is your only immediate evidence.
- Step 5: Officially Confirm Payment with KiaKia
Your payment may not reflect instantly. To confirm, you can contact KiaKia customer service via the phone number on their website (e.g., 0700 KI AKIA) and provide your loan ID and proof of payment details. You can also visit a cyber café when convenient, log into your KiaKia account online, and check your loan status. Do not assume the payment is complete until you see your dashboard updated or receive an SMS confirmation from KiaKia.
Alternative Methods
If the primary offline methods are not feasible, consider these alternative pathways tailored to different Nigerian scenarios. Each serves a specific need based on your location and resources.
For individuals in rural areas or estates with limited bank branches, using a licensed mobile money operator (MMO) agent is often the best choice. Look for agents with prominent brands like Paga, OPay, or MTN Momo in local shops or markets. They can process the transfer to KiaKia’s account using their platform. This option is superior when you need to complete the transaction within your immediate community without long travel.
If you are a student on a campus (like University of Lagos or University of Nigeria, Nsukka) or a professional in a business district, utilizing a reputable cyber café is a practical alternative. Here, you can briefly access the internet to log into the KiaKia website or app specifically to make the repayment. This method is better when you need a direct, real-time update on your loan status and have a small fee for internet access. Always ensure you log out completely from all accounts after the transaction.
Finally, for those who prefer an official and documented channel, visiting a Lagos or Abuja office of Creditwave Limited (KiaKia’s parent company) if you reside in or near these cities is an option. This is the best alternative for resolving disputed payments or complex issues where you need to present physical proof of payment and get immediate official endorsement.
Common Problems and Solutions
Problem: Payment Not Reflecting on KiaKia Portal After Bank Deposit
This is a frequent issue due to interbank settlement delays, especially during weekends or public holidays. You may have a stamped receipt, but your loan dashboard still shows “Pending” or “Overdue,” leading to anxiety and accumulating penalties.
Solution: Do not panic. First, wait 24-48 working hours for the bank transfer to fully clear. Then, take a clear photo or scan of your stamped bank deposit slip. Contact KiaKia customer support via their official phone line or email (support@kiakia.co) and attach the proof. Include your full name, registered phone number, and loan ID in the message. This documented follow-up forces manual verification and resolution.
Problem: USSD Transfer Failed But Money Was Debited
You used your bank’s USSD code (like *737# or *919#), got a “Transaction Failed” message, but received an alert that the money left your account. This “debited but not credited” glitch is common with network timeouts.
Solution: Immediately contact your bank’s customer service, not KiaKia’s. Provide them with the transaction reference number from your debit alert. Banks in Nigeria have a dispute resolution process for such “reversal” cases. Simultaneously, inform KiaKia support about the incident so they are aware and do not mark your loan as defaulted while the reversal is being processed, which can take 3-7 working days.
Problem: Lost Loan ID/SMS and Can’t Recall Details
You’ve deleted the original loan SMS and cannot remember your exact loan ID or total repayment amount. Without this, agents or bank tellers cannot process your payment correctly.
Solution: Dial *561# from your registered phone number. This KiaKia USSD code often retrieves your loan details. If that fails, you must contact customer support. Be ready to verify your identity by providing your full name, BVN-linked phone number, and possibly your Bank Verification Number (BVN) for them to retrieve your account and resend the details.
Fees, Costs and Timeline
Understanding the full cost and timeline of an offline repayment is crucial to avoid surprises. Your primary cost is the exact loan amount (principal + interest) as stated in your agreement. However, additional transaction charges apply. A bank transfer via USSD or teller may incur a standard ₦50 – ₦200 charge, depending on your bank. A direct cash deposit at the bank counter typically costs between ₦100 and ₦500.
Be vigilant about unofficial fees. Some unauthorized agents or touts at banking halls may try to overcharge for a “processing fee.” The official KiaKia repayment process does not require any extra commission to third parties. If using an agent, confirm any service charge upfront; anything above ₦200-₦500 is excessive. These rates can vary by state, with agents in major cities like Lagos and Abuja sometimes charging higher.
The realistic timeline for payment reflection is 24 to 72 working hours after a bank deposit or transfer. Payments made on weekends or public holidays will only be processed the next business day. Always factor this in to avoid late payment penalties, which KiaKia can charge per day after your due date.
Warnings and Scams to Avoid
- Avoid “Special Agents” Contacting You First: Genuine KiaKia agents will not call, WhatsApp, or SMS you first to offer repayment help. Scammers often pose as agents, claiming they can “clear your debt quickly” for a fee. Only initiate contact with agents at their known physical locations or through official channels.
- Never Pay into a Personal Account: Under no circumstance should you transfer your loan repayment to an individual’s bank account (e.g., a name like “John Adeyemi”), even if they send you a convincing text. KiaKia’s account details are always in a corporate name like “Creditwave Limited” or simply “KiaKia.”
- Beware of Fake USSD Codes and Portals: Do not dial any USSD code sent to you via SMS from an unverified number. Similarly, do not click on links to “repayment portals” in unexpected messages. These are designed to steal your banking details. Only use the official codes and website you verified independently.
- Ignore Threats of Immediate Arrest: A common scam involves fake calls from “KiaKia Legal” or the “Police” threatening immediate arrest if you don’t pay a “settlement fee” via mobile money. This is intimidation. Official loan recovery follows a legal process and does not start with threatening phone calls.
Acceptance, Use and Next Steps
The offline repayment methods outlined are fully accepted and operational across all 36 states in Nigeria, including the Federal Capital Territory. Bank deposits and USSD transfers are universally recognized, while agent networks are strongest in urban and semi-urban areas like Lagos, Port Harcourt, Ibadan, and Kano. It is important to note a key limitation: some remote rural locations may not have accessible KiaKia agents or bank branches, making the USSD option from your registered phone the most reliable fallback in such scenarios.
Your immediate next step should be to gather your requirements as listed earlier—your loan ID, exact amount, and identification. Choose the method most suited to your current location and network reliability. After completing the transaction, securely file your proof of payment (stamped slip, receipt, or SMS alert). Set a reminder for 48 hours to check your loan status via the official *561# USSD code or by contacting customer support to confirm the payment has been posted to your account and your loan is closed.
Finally, use this experience to plan better for future digital obligations. Consider setting aside repayment funds in a separate wallet or noting down critical loan details in a secure physical notebook to ease any future offline processes.
Frequently Asked Questions
Can I repay my KiaKia loan at a POS agent?
Yes, but not at any random POS agent. You must use an authorized KiaKia agent or a licensed mobile money operator (like Paga or OPay agent) who can process a transfer to the company’s corporate account. A regular POS agent that only offers cash withdrawal cannot handle this transaction. Always confirm the agent’s capability before providing your details.
What is the USSD code to repay KiaKia loan?
KiaKia does not have a single dedicated repayment USSD code. Instead, you use your bank’s own USSD code (e.g., *966# for Zenith, *737# for GTBank) to transfer funds directly to KiaKia’s official bank account number. You can also dial *561# from your registered number to check your loan balance and access repayment menus if available.
How long does it take for an offline payment to reflect?
After making a bank deposit or transfer, allow 24 to 72 working hours for the payment to reflect on your KiaKia dashboard. Payments made on weekends or public holidays will be processed on the next business day. Delays are common due to interbank settlements, so keep your proof of payment safe during this period.
Will I be charged a late fee if my payment is processing?
If you initiated the payment on or before your due date and have valid proof (like a stamped bank slip with that date), you should not be charged a late fee. However, you must contact KiaKia customer support with this proof to inform them the payment is in transit. Do not assume it will be automatically adjusted.
Can I repay my KiaKia loan without my BVN?
Yes, you can. For offline repayment methods like bank deposit or agent payment, your Bank Verification Number (BVN) is not required at the point of transaction. You only need your loan ID and registered phone number. Your BVN is primarily for the initial loan application and identity verification with customer service if needed.
What happens if I lose my bank deposit slip?
This is a serious issue. Immediately go back to the bank branch where you made the deposit. They can re-issue a stamped transaction statement for you, usually for a small fee (around ₦100-₦500). You will need the approximate date, time, and amount to help them trace it. Without any proof, resolving the payment can become very difficult.
Is there a KiaKia office I can visit to pay cash?
KiaKia’s parent company, Creditwave Limited, has operational offices in Lagos. You can visit their official address (often in Victoria Island or Ikoyi) to make inquiries and potentially settle payments directly. It is advisable to call their customer service first to confirm the exact location, availability, and acceptable payment methods at the office.
Disclaimer
This article is for informational purposes only and is based on publicly available information and standard Nigerian financial practices. Loan terms, interest rates, and repayment procedures are set by the lender and may change. We are not affiliated with KiaKia or Creditwave Limited. Always verify details directly with the official KiaKia website or customer service before making any financial decision. The writer is a Nigerian finance content strategist with expertise in local digital lending markets.