Kwikcash

OVERVIEW

Kwikcash is a revolutionary financial inclusion product offered to 9mobile subscribers. Before now, Nigerians in need of a loan were forced to visit loan sharks, make embarrassing requests from family and friends, or submit to long queues and endless documentation at a financial institution. By simply dialing *561#, 9mobile subscribers can now obtain a cash loan delivered instantly to their bank account with no collateral or documentation required.

INSTANT

KwikCash is Nigeria's first instant mobile loan product. No more waiting in lines at the bank, requests for collateral, or endless documentation and process. Just dial *561# and your loan is instantly delivered to your bank account.

SIMPLE

KwikCash is simple to use and available to all qualified 9mobile subscribers. No smartphone is required. Just dial *561# and with a few simple steps you receive money in your account. Paying back the loan is just as easy. All done straight from your phone.

PRIVATE

With your permission, KwikCash analyses your personal data in real-time to determine the size of loan you qualify for. The more you use your phone and pay your loans on time, the larger loan sizes you have access to. No more borrowing from friends and family.

GENERAL

WHAT IS KWIKCASH?
KwikCash is an instant cash loan service offered to 9mobile subscribers.

HOW DO I ACCESS KWIKCASH?
Dial *561# on your 9mobile phone.
HOW DO I APPLY FOR KWIKCASH?
Dial *561# on your 9mobile phone.
HOW DO I PAY BACK MY KWIKCASH LOAN?
Dial *561# on your 9mobile phone.

HOW MUCH MONEY CAN I BORROW WITH KWIKCASH?
Loan offers are usually between N500 and N100,000.

WHAT SHOULD I DO IF I DO NOT UNDERSTAND THE TERMS & CONDITIONS?
It is critical you understand what you agree to when you take a KwikCash loan. KwikCash highlights 3 major points you must agree to when you accept a loan offer:

To pay back the loan in 14 days
This means that KwikCash is a loan and MUST be paid back within 14 days.
To allow use of your personal data to determine loan offers
This means you consent to KwikCash 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.
To allow KwikCash to contact numbers in your call/SMS history if you refuse to pay
This means you consent to KwikCash sending messages to anyone you have ever called or sent an SMS. KwikCash will send these messages when you do not pay your loan on time.

Please visit www.kwikcash.ng/terms to read full Terms & Conditions. If you need further explanation of the Terms & Conditions please contact customer service by texting "HELP" to 561.

CAN I USE USSD SHORTCUTS TO PAY VIA THE KWIKCASH USSD APP?
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 561121AMOUNT1PINCVV*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 KWIKCASH?
KwikCash 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.
WHAT HAPPENS WHEN I PORT MY NUMBER TO ANOTHER NETWORK?
If you port your number to another network you will not be able to request a new loan. If you port your number while your loan is still active, you must pay via web, ATM, or with cash at a bank (ask for the Paydirect teller).