Kwikcash – tips on how to borrow up to N500,000 with no collateral

Kwikcash is a sure place to apply for a quick loan if you need money to finance your business, education or to plan for your wedding etc.

Kwikmoney gives you an instant loan ranging from N5,000 to N500,000 within 5 minutes if being accepted directly to your bank account.

In case you are not satisfied with they amount of money the offer, you can also check out Specta which is own by the Sterling bank of Nigeria and it offer it’s users up to N5 Million loan irrespective of your bank.

But in this post, am going to briefly discuss what kwikcash, also known as Kwikmoney is all about, it’s interest rate and repayment Channel, how to borrow money from them, know it’s customer care numbers and head office and many more. Just read till the end.

Kwikcash (Kwikmoney) Nigeria, Who Are They?

Kwikcash also known as Kwikmoney is an automated quick loan service that originated from a partnership between banks, mobile network and telecommunication services in Nigeria with the sole aim of making banking services more convenient and accessible to all Nigerians without any form of collateral or paperwork.

Whether you are in need of working capital for your business or need to handle a family emergency, the kwikcash loan let’s you get instant loans within 5 minutes if being accepted.

Kwikcash (Kwikmoney) Loan Requirements

To get a loan worth up to N500,000 very quickly within 5 minutes directly to your bank account. But you will need the following items:

  • Mobile phone number that is active for at last 3 – 4 months
  • Bank accounts that is active
  • BVN (bank verification number)
  • You must be at least 18 years and above.

Are My Personal Data And Bank/Card Details Secured With Kwikmoney (Kwikcash)?

The answer is simply yes. Your security is one of their most important priorities and so Kwikmoney have implemented multiple security measures to safeguard all information you provided. They are also fully compliant with all regulations and national laws governing consumer and data protection.

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Kwikcash (Kwikmoney) USSD Code For MTN, Airtel, 9mobile And Glo Networks

Please it is very important to know that the code use to borrow money or repay a loan on Kwikmoney to all Networks is *561#.

How To Get A Loan From Kwikmoney (kwikcash)

There are two ways you can borrow money on Kwikmoney, namely: through Online and through USSD code.

Through Online

To use this methods, quickly visit the Kwikmoney website loan portal Here. Put in your phone number.

You may be required to verify that you are human by completing a capcha. And once done, click on “proceed”.

A text message with a verification code will be sent to you. Copy and paste the code into the website to verify your you are the owner of the phone number.

Once done, check your your loan offer and choose any amount of your choice that is available for you and click on “proceed”.

Now, it’s time to provide your bank details such as account number, bank name and so on. Click on “proceed” if you are done.

Receive your loan within 24 hours if being accepted directly to your bank account.

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Through USSD code

To apply for a loan via the USSD code, simply dial *561# and send.

Now, choose “loan” from the options that would be displayed for you.

On the next screen, select “request loan” from the options.

Select any amount of your choice that is being displayed to you and fill in your bank details and form in other to get the loan.

Receive your loan within 5 minutes or 24 hours if being accepted directly to your bank account.

Kwikmoney (kwikcash) Interest Rate

Kwikmoney offer it’s users a loan amount of N500,000 or more with an interest rate of 5 to 15% which are to be paid between 15 to 30 days.

Kwikcash Repayment Channel

It is advisable to repay your loan on or before the due date. Because, that’s the best way to increase your loan offer.

There are 4 ways to repay your loan, namely: through online, USSD, ATM and Cash.

Through Online:

To repay your loan through online, follow this methods:

With an internet connected device, login to kwikcash official homepage @ and click on the “pay” button located at the top right corner.

A page will open, since you are paying online, scroll down and click on the “payment page” button.

A new page will open where you are required to enter your phone number. Enter your phone number and confirm that you are not a robot, after that click on “proceed”.

Click on the “pay with card” option that will be displayed on your screen and add your card details.

Confirm payment and within a seconds, you will receive a confirmation message for your payment.

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Through USSD

To repay a loan through the USSD code, follow this methods:

With your mobile phone, dial *561#. For airtel subscribers, dial *554*561″.

Select “loan”

A new page will open where you will be displayed with many options, click on “pay loan” and send.

Now, click on “pay with phone” option from the list of payment method.

Click on “add card” from the new option that will be displayed for you. And put in your card details.

Confirm your payment and within a seconds, a you will receive a confirmation message for your payment. 

Through ATM

To pay with your ATM card, please visit any ATM operated by one of the bank that is listed below. Ensure you have the phone that receives your bank alerts with you in case you need to receive a token/OTP.

Insert your ATM card on the ATM machine and select the “quickteller” option.

Select “pay bill” and click on “others” from the list that will be displayed for you.

Enter “04354101” as the biller code.

Enter the phone number that you used to register on Kwikmoney (kwikcash) for “customer reference number”.

Confirm your payment and you will receive a confirmation message within a seconds confirming your payment.


A N100 processing fee will be deducted from your account.

Here is the list of the bank with the quickteller payment option:

GTbank, First bank, Access bank, FCMB, Eco bank, Stanbic IBTC, Union bank, Zenith bank, UBA, Sterling bank, Fidelity bank and Jaiz, Keystone bank, Wema bank, Polaris bank, Heritage and Unity bank.

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Through Cash

To pay with cash, please quickly visit any of the following banks:

Fidelity bank, Access bank, GTbank, Keystone bank, Sterling bank, UBA and Wema bank.

Inform them that you would like to make a Kwikmoney payment using Paydirect. There’s no account number to pay into but, make use of the phone number that you use to accept loan from Kwikmoney(kwikcash) as your reference number for Paydirect.

Fill in the amount and submit. That’s all. Job well done.

Kwikmoney loan Customer Support Team

To get in touch with Kwikmoney customer support team, please click Here and state your reasons.

If you are in Nigeria and you feel like calling Kwikmoney customer team directly from your mobile phone, simply dial +234017002274. Or you can send them a mail at

Located at 3B Adekunle Lawal Road, Ikoyi, Lagos, Nigeria.


Kwikcash also known as Kwikmoney is one of the best platform to borrow money online in Nigeria. Just as i said earlier, it allows you to borrow up to N500,000 within some seconds if being accepted directly to your bank account, no collateral or paperwork/for is required from you.

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