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Get a loan of up to ₦150,000 on the Kuda app!

Get a Kuda loan in minutes, repay in monthly installments.

Get up to ₦150,000 in minutes.

Boost loan offers with an account statement.

Repay your Kuda loan in up to three months.

Try out our loan calculator.

Set a loan amount and your preferred repayment time to see the estimated amount you’ll repay monthly if you take a Kuda Loan.

Calculate Loan

Borrow without paperwork or stories.

Anyone can have an urgent money need. Get the amount you need quickly on the Kuda app.

Get up to ₦150,000 in your Kuda account in minutes.

We’ll let you choose how much you’d like to borrow after our quick loan approval process.

Repay your Kuda loan comfortably from your Kuda account.

Choose a monthly repayment option that’s convenient for you on the app.

Boost loan offers with an account statement.

Want a better loan offer? Add your account statement to increase your chances of getting the amount you want.

Join Kuda

Kuda Loans FAQs

What’s a Kuda loan?
A Kuda loan is a one-off payment made into your Kuda account which you’ll repay, with interest, in fixed monthly payments you agree to when we approve your loan application.
Why should I take a loan from Kuda?
Our loan application process is quick and easy, interest rates are competitive, and loan repayment is convenient.
Some loan apps only offer small amounts. How much can I borrow from Kuda?
You can borrow up to ₦150,000 from Kuda.
What are the requirements for getting a Kuda loan?
You need to pass our loan eligibility checks to get a Kuda loan.
How do I apply for a loan?
1. Download the Kuda app on your app store, then sign up.
2. When you’re signed in to your Kuda app, tap Borrow.
3. Read the loan application guide and follow the steps.
Note that if we approve your loan application, you’ll need to accept a loan offer letter which includes the terms and conditions of the loan.
Is there a guarantee that I’ll get a loan if I apply for one?
We’ll offer you a loan if you pass our automated loan eligibility checks. The loan amount will depend on the results of those checks.
How long does it take to get a loan if my loan application is approved?
We’ll pay the loan into your Kuda account in minutes.
Do I need a referee to get a loan?
No, you don’t but you can add a referee to increase the chances of getting the amount you’d like to borrow.
Do I need collateral to get a loan?
No, you don’t need collateral to get a loan from us.
How much time do I have to repay a loan?
Depending on the repayment period stated in the offer letter, you can repay a loan between one to three months.
How do I repay my loan?
When you accept our loan offer, we’ll ask you to add a debit card to your account and we’ll charge the card whenever your loan is due for repayment.
What’s the interest rate on a Kuda loan?
Interest rates are variable, but the interest rate on your loan will be stated in the loan offer letter which you’ll have to accept to get the loan.

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Spend above your account balance to meet your urgent needs and pay back at just 0.23% - 0.8% daily interest.

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Business Loan

Get a collateral-free salary loan with a competitive interest rate to meet your urgent needs easily.

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Transfer & Spend

Send money for free to any Nigerian account with 25 free transfers every month.

Learn more

The money app for Africans.

Save, spend, send and invest money across borders.

Join Kuda

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Products may vary by country or market.

Contact

help@kuda.com

Lagos

1-11 Commercial Avenue, Yaba, Lagos,
Nigeria

London

5 New Street Square,
London, EC4A 3TW,
United Kingdom

Cape Town

146 Campground Road,
Snakepit Building, Level 4, Newlands, Cape Town

Canada

3080 Yonge Street,
Suite 6060, Toronto,
Ontario M4N 3N1

© 2025 Kuda Technologies Ltd (Company No.11472232). All rights reserved.

If you would like to find out more about which Kuda entity you receive services from, please reach out to us via the in-app chat in the Kuda app. Nigerian banking services offered by Kuda Microfinance Bank (RC796975) with registered address at 1-11 Commercial Avenue, Yaba, Lagos, Nigeria. Kuda Microfinance Bank is licensed by the Central Bank of Nigeria. Deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC).

UK services are offered by Kuda EMI Ltd (Company No. 13724208) with registered address at 5 New Street Square, London, EC4A 3TW, United Kingdom.

Canada services will be provided by Kuda Canada Technologies Limited, an Ontario corporation registered under number 1000286176, with its registered address located at 3080 Yonge Street, Suite 6060, Toronto, Ontario M4N 3N1. Kuda Canada Technologies Limited is duly registered with The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a money service business, bearing registration number M23163015.

Kuda.

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