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Updated
18/02/2024
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Description

With incredible features such as fast collateral-free loans, no need for income verification, and no in-person meetings, the online financial support platforms are increasingly embraced by many in Nigeria. One of the immensely favored unsecured loan apps among customers is KK Cash – a platform ready to lend up to NGN 500,000.

KK Cash’s role involves aggregating and comparing information from various financial partners, helping individuals seeking cash loans to swiftly access suitable borrowing limits. Once customers agree to the loan terms, they receive detailed and easily understandable guidance.

When borrowing here, financial partners meticulously assess applications without undue stringency. The application review process takes about 30 minutes, with disbursement following shortly thereafter. KK Cash’s customer support team operates 24/7, ensuring assistance whether you apply for a loan during the day or night.

Contact Information for KK Cash:

Email: [email protected] Website: kk-cash.com

Headquarters: Sahadatu Plaza, 70d, Allen Avenue, Ikeja, Lagos State, Nigeria

Ensuring peace of mind with KK Cash:

  • Online loans up to NGN 500,000 are incredibly simple – just submit photos of identification documents, available across all provinces nationwide.
  • Even students can apply for loans.
  • The process of creating a loan profile is straightforward via phone, no income verification needed, no in-person meetings.
  • Easy receipt of loans through bank accounts, available for quick transfers 24/7.
  • The loan approval rate consistently stands at 93%.
  • KK Cash supports customers with bad credit.
  • All terms in the loan contract are transparent, especially regarding interest rates, terms, and repayment amounts, which are detailed.
  • The decision is entirely yours; no one will pressure you. Rejecting a loan incurs no fees whatsoever.

More detailed information about the loan package:

  • Loan amount: From NGN 500 to NGN 500,000.
  • Loan term: From 94 days up to a maximum of 184 days for repayment.
  • Interest rate: Not exceeding 20% per annum.
  • Other fees: Ranging from 0% to 35%.
  • Service fee: From 10% to 14% of the contract value.
  • Extension of the loan incurs a fee.

Note: The interest rate might be adjusted by the app based on timing and loan amounts. Especially for those who delay payments, the interest rates could increase even further. Be cautious about this aspect.

Eligibility criteria for borrowing:

  • Residing and working in Nigeria.
  • Age range: 18 to 60 years old.
  • Valid identification document/passport.
  • Monthly income.
  • Domestic bank account (account number matches personal information on submitted documents).
  • Using an Android or iOS operating system on your phone.
  • The registered phone number for the loan application must belong to the owner and have been used for a minimum of 6 months.

Guide to borrowing money through the app:

1: Download the app from loanapp.store to your device, enter your phone number to open an account. Proceed to provide personal information, phone number, bank account details, etc., in the loan application form. Accurate information helps expedite the application review process and increases the loan approval rate.

2: Choose the loan amount and repayment period. Submit photos of identification documents and a portrait to verify your identity and complete the loan profile. Photos should not be edited and should be as clear as possible.

3: The system will assess your loan application. The assessment time may range from 37 minutes to 4 hours.

4: Receive the loan amount in your account within 5 minutes if your loan application is approved and you sign the loan agreement.

5: Select the repayment method when the payment deadline approaches.

Cases where KK Cash declines:

Despite the high approval rate, some applications are rejected by the app. Here are reasons you should be aware of:

  • Previously applied for loans with KK Cash’s financial partners and faced rejections.
  • Personal documents submitted for the loan display signs of forgery or alterations intended to deceive the lending party.
  • Inconsistent personal information or bank account details with indications of manipulation.
  • Applicants not meeting the system’s age and monthly income requirements.
  • The registered phone number for the loan application doesn’t belong to the owner or hasn’t been used for a sufficient duration.
  • Borrowers with a history of late repayments or bad debts from prior loans.

These are common reasons for declined loan applications. If you believe you don’t fall under any of these contract-exclusion terms, proceed with creating your profile to avoid wasting time for both parties. However, if opting for KK Cash, carefully review the contract terms and consider your options.