Frequently asked questions

What is kwikmoney?

kwikmoney is an automated instant loan service.

How do I access kwikmoney?

To access kwikmoney, visit or dial *561#.

How do I apply for kwikmoney?

To apply for a kwikmoney loan, visit or dial *561# and navigate to “Request Loan”.

How do I pay back my kwikmoney loan?

Pay online
Go to

Pay with USSD
1. Dial *561#
2. Navigate to “Pay Loan”

Pay with ATM
Please ensure you have the phone that receives your bank alerts with you in case you need to receive a token, then do the following:

1. Insert your ATM card and select the ‘Quickteller’ option
2. Select ‘Pay Bills’
3. Select ‘Others’
4. Enter ‘04354101’ as the Biller Code
5. Enter the phone number being used with kwikmoney for ‘Customer Reference Number’
6. Confirm payment
7. You will see a confirmation message for your payment. Kindly note that there is a N100 processing fee.

Pay with cash
Visit any of the following banks:

1. Fidelity Bank
2. Access Bank
3. UBA
4. GT Bank
5. Keystone Bank
6. Wema Bank
7. Sterling Bank

Inform them you want to make a kwikmoney payment on PAYDIRECT. There is no account number to pay into but give them the phone number used with kwikmoney as the Customer Reference Number for Paydirect. We advise going to the bank early in the morning.

How much money can I borrow with kwikmoney?

Loan amounts are from N500 to N500,000. However, kwikmoney will usually start with a small loan and grow your amounts over time as you pay your loans and build trust with the system.

What should I do if I don't understand the Terms and Conditions?
It is critical you understand what you agree to when you take a kwikmoney loan. kwikmoney highlights four major points you must agree to when you accept a loan offer:

1. To pay the loan balance on or before the due date.

This means that kwikmoney is a loan and MUST be paid back by the due date.

2. To allow use of your personal data to determine loan offers.

This means you consent to kwikmoney considering and analysing your personal data in order to determine your loan offers. Your personal data comes from many sources, including your phone, your bank, bill payments, the credit bureaus, and other sources.

3. To be subject to fees and penalties for late payment.

This means you consent to pay additional fees and interest if your loan payment is late.

4. To allow messages to your contacts if you do not pay.

This means you consent to kwikmoney sending messages to anyone you have ever called or sent an SMS. kwikmoney will send these messages when you do not pay your loan on time.

Please visit to read full Terms & Conditions. If you need further explanation of the Terms & Conditions please contact customer care by texting “HELP” to 561 (9mobile only) or calling +234 (0) 1 700 5290.

Can I use USSD shortcuts when I dial the short code?

Yes. You can use USSD menu shortcuts by placing your menu selections in the code you dial. For example if the last card you used to pay required PIN, CVV, and Expiration Date, the next time you pay you can skip the USSD menu by dialing *561*1*2*1*AMOUNT*1*PIN*CVV*EXP(MMYY)#, where AMOUNT is the amount you want to pay, PIN is your ATM card PIN, CVV is the CVV code on the back of your card, and EXP (MMYY) is the expiration date in ‘MMYY’ format. Note that different cards require different credentials, so you will need to pay attention to the USSD steps to ensure your shortcut is correct.

How long does it take to get a kwikmoney loan?

kwikmoney does not guarantee a time within which you will receive your loan, but most customers complete the application and receive the money in their bank account within a few minutes.

Can I access kwikmoney if I port my number to another network?

Yes. You can still access kwikmoney using your phone number even if it’s on a different network.

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