We aim to process all loans within a few minutes provided all the necessary requirements are met.

You can borrow up to ₦10million and repay in up to 180days, depending on your current capacity and risk profile.

You can apply for various forms of personal or business loans.

Applying for a loan is the easiest thing to do. Once you are logged into the web or Kwikpay Credit App and have completed your BVN and Email verification, Card tokenization, navigate to the Loan section, and fill in the necessary details for your loan request.

You can only apply for a top-up while a loan is running but you need to forward a request to [email protected].

There are various reasons why you may be unable to add your card details, some of them are; 

• Your card is not enabled for online transactions or it is not reusable. You would have to contact your bank to fix this.
• Your card will expire before the loan duration ends. Please use a card that can cover your loan tenure.
• You have insufficient funds. During registration, we charge you a token to ensure the card is active.
• If any of the above doesn’t apply to you, please retry after a while.

Please try again. It may be a network issue with the internet. If the issue persists, please call 08157803244/55 or email, [email protected]. We are available to assist.

You may add a second card via the dashboard by following the steps below.

• Log into your dashboard
• Navigate to the Settings page
• Go to the Payment Options tab
• Click on the Add New Cardbutton
• Proceed to link your new card
• Once this process is completed, the second will be added to the profile and you can choose your preferred default repayment card

We’re sorry about this – there could be several reasons why but mostly due to us awaiting additional information from you. Please check your email inbox (Spam or junk box) for any message from us. Kindly respond immediately for us to proceed with your application. However, if you have not received any message, kindly send an email to [email protected]  and we’ll alert our credit department immediately.

This is mainly due to incomplete application. Kindly log into your dashboard to complete your application. Why has my loan been pending for so long? However If you’ve completed your application and the issue persists, kindly send an email to [email protected] and we’ll alert our credit department immediately.

To complete an application;

• Log into the dashboard
  • Once this is done, customers are typically directed to the page where they dropped off to complete the application. However, if you skip this page
• Click on the My Loanstab
• Click on the Complete Applicationbutton

Once this is done, you will be redirected to the page where you left off.

We understand the importance of keeping your information accurate and up-to-date. Once you’ve submitted your information, it’s securely stored and cannot be edited. However, if there are changes to details like your employment information or address, you can easily update them when applying for a new loan.

Paystack is a third-party integration that is currently used for collections and disbursements. 

During an application, a customer is required to tokenize a debit card by linking the card to Paystack via the widget on the application flow. The tokenized card will be part of the verification and used for the repayment of the loan. 

Sometimes, during the add card process, a customer can encounter a number of errors due to various reasons.

This article explains some of these common errors and how to resolve them.

“Unknown Error”

What does ‘Unknown Error’ mean?

This error is usually due to a temporary downtime from the customer’s bank. 

How to resolve this:

The customer can retry the process using another card. Alternatively, the customer can also be advised to retry the transaction at a later time or escalate to their bank if the error persists.