KiaKia Loan Review | Give And Take Loans With KiaKia.
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KiaKia is an online loan platform that allows you to give and take a load with a very low-interest rate. The Kiakia mobile application comes with a virtual assistant called Mr. K which helps you easily access your loan with little or no human intervention.
What is KiaKia
KiaKia is a licensed, entirely-online, direct and P2P lender that uses technology to provide direct personal loans at flexible rates, and also match borrowers with individual or corporate lenders at mutually-agreed rates. They offer loans from N10,000 and N200,000 for a minimum duration of 7 days and a maximum of 30 days. Responsible borrowers who earn financial responsibility trust points over a period of time will be able to access much bigger amounts at longer tenure and more flexible interest rates. Kiakia’s services are best for anyone looking for an unsecured personal consumer loan, an individual’s ineligible for a typical bank or credit union loans and those facing financial hardship.
Who is MR K and what does he do
News according vanguard has it that "Aside from its numerous products that are void of the usual financial bureaucracy and also offer easy access capital to SMEs and individuals, KiaKia, a licensed online peer to peer and direct lending platform, has introduced ‘Mr. K’, an artificial intelligence (AI) and machine learning powered alternative credit scoring, customer service, Direct and P2P lending virtual agent."
Like I said in the introductory part of this post, Mr. K is a virtual assistant which stands as a middleman, between the borrower and the person lending the money. Mr. K gives you access to personal and small business loans, and also enable savers to lend out funds at negotiated interests through intuitive conversations.
Mr. K helps you with the loan application, guides you to collecting personal and business load in real time 24/7.
Mr. K teaches you about scoring and how you can build your credit score based on your activity on the platform and financial behavior.
As a P2P system, it is the work of Mr. K to find and assign you to someone or organization who is ready to lend money at an agreed rate.
Mr. K gives you friendly repayment reminders and notifications before repayment on your due date.