This page is published as a structural draft. The final text must be completed by legal counsel to match the actual KUDIKRED product terms before launch.

1. About these terms

These terms govern your use of this website and the KUDIKRED mobile application. They are issued by KUDIKRED NIGERIA LIMITED (CAC Registration No. 9113429). By using the website or the app, you agree to these terms.

2. What this website does and does not do

This website is for brand, product, compliance and support information. It does not provide registration, login, KYC, credit assessment, withdrawal, repayment or account management. All of those activities take place inside the KUDIKRED app.

3. Eligibility

Eligibility requirements — including residency, age, a valid phone number, BVN and a personal bank account — are stated inside the app and are subject to the final product rules.

4. Applying does not guarantee approval

Every application is assessed. Submitting an application does not guarantee approval, and any approved amount, charges, total repayment and due date are shown to you before you accept an offer.

5. Disbursement and repayment

If you accept an approved offer, funds are sent to your verified bank account, usually subject to bank processing time. Repayment must be made by the due date shown in your offer, using the published repayment channels.

6. Late or missed payments

Late or missed payments may lead to additional charges, restricted access to credit and reporting to authorised credit bureaus, where applicable. See the Loan Guide for details.

7. Your responsibilities

8. Changes to the service

We may change the service and these terms. Material changes will be published with an updated version number and effective date.

9. Contact and complaints

See our contact page and complaints procedure.