Digital Bank That Gives Instant Loans.

Kwikudi offers a wide range of loan and savings products that will satisfies your need.

Loans range from ₦2,500 to ₦300,000 with flexible loan repayment term.

Satisfied global clients

Kwikudi is on a mission with far-reaching impact

We’re passionate about leveraging technology to make financial inclusion count

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Quick Loans

We understand the urgency with financial needs, we process loan disbursement as fast as possble.

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Flexible Repayment

We offer our customers the chance to payback their loans in installments either via online or offline channels

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Low Interest Rates

We offer very low Loan interest rates as low as 8%, enjoy interest free access to selected loan types.

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Privacy & security

Transactions and customer data are encrypted end to end to protect customers from theft.

Fueling a world of opportunity

At Kwikudi we’re building a new frontier of finance — where banks aren’t physical, paperwork is obsolete, and possibility is the end game.

We Drive Impact

Built on a foundation of personal service, local connections, trusting relationships, and a commitment to the communities we serve.

Simple & effortless process app setup

You can easily download the app on your mobile & open a bank account in your name with the required information.

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Download from the Play Store on any device

You can easily download the xmoze app from the App Store or Google Play on any device

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Create an account with needful information

Open a secure account for yourself with your name and necessary information that need

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Experience best banking services anytime

Mobile banking allows consumers to be able to access banking services from anywhere.

If you want to know anything, ask us

How can I get a loan?

You need Android / Iphone and a BVN. That's all! Download the Kwikudi app from the Google Play Store or Apple Store. Sign up with the phone number linked to your BVN, answer a few questions and confirm your identity to receive a loan offer. If you accept it, you will receive your loan in your preferred bank account!!

How much can I borrow and for how long?

Kwikudi offers loans from loans of up to 1 million Nairas for a period of up to 18 months. The better your lending history and positive behavior, the more you can access and the longer the period!!

How can I repay?

Click on the "Settle Loan" button in the app dashboard to pay via card or bank transfer!

What happens if I don't pay back?

We are humans and understand that unexpected and unforeseen situations may occur. However, we do not reschedule payment dates, you should take a loan only if you have the capacity to repay it to avoid: - Late fees - Suspension of your Kwikudi account - Report to national credit bureaus as required by law (CRC, First Central)!

Can I trust Kwikudi with my identity and bank account details?

Kwikudi will never sell the information you shared to third parties.!

What happens if I lose my phone?

Send an email to help@kwikudi.com to get the details of your loan and your repayment date. You can also sign in from another phone using your phone number and pin!

Download & explore our App

Easily download and use the most efficient online banking app. Make banking easier and faster.