Kiakia P2P vs Fundall
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kiakia P2P
Invest in loans and businesses to earn high returns, or access fast, competitive loans. This platform connects investors with borrowers, facilitating funding with minimal bureaucracy. Earn interest or share profits on your capital.
- Invest in loans and businesses
- Earn 12%-40% returns
- Access personal and business loans
- Automated interest and profit crediting
- Secure online platform
- No processing fees or hidden charges
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Earn between 12% -40% (Quarterly, Bi-annual and Per annum) by investing in loans and businesses. KiaKia is the leading and best Peer-to-Peer lending investment platform in Nigeria (Inclusive Finance Conference and Awards, 2019) KiaKia as a licensed lender originates, books, structures, facilitates and funds secured personal and business loans of between N10,000 and N100,000,000 of tenures ranging from 30 days to 24 months via its online platform. To achieve this, we essentially do what the banks do with less bureaucracy and administrative encumbrances. By lending out people’s funds. We believe that your money should work for you instead of someone else. In 2017, we launched the KiaKia P2P on this principle. We created a peer-to-peer product to aggregate funds of those who have money to invest and lent it out to those who want to borrow it. We may not offer the lounge service and marble foyer of your bank, but we exist for people who want rewarding investments. Or a competitive and speedy loan that respects the time value of money for entrepreneurs. You fund, we lend, you earn Rather than leave funds stashed and idle, you can provide it as capital which kiakia uses to fund individuals and businesses to earn interests or share profits (if that is what suits your faith). With as little as N50,000 and as high as N2,500,000, you can earn as much as 40% interest depending the tenure election. You can also share profits from the earnings of businesses in selected industries. Simple, Secure and Better earnings With over N4,500,000,000 successfully lent out through KiaKia P2P with capital provided by individuals across the world, you can be one of those who put their money to good use in order to grow without any risk of losing it as a result of the security that backs all transactions. The App is safe and secure. Users do not need to make withdrawal of interest or profit requests as interests or profits and capital are automatically credited to accounts on file. KiaKia P2P is not a savings nor payment processing service. Capital provided are lent out for individuals and businesses carefully profiled by KiaKia for interest and profit sharing. We have implemented the best grade of internet security….so, no fears. There are no processing fees nor hidden charges. What you see is what you get with us.
Fundall
Manage, spend, and grow your money with a unified digital financial platform. Enjoy seamless transactions, earn interest on savings, and access investment products. This app simplifies your financial life by consolidating services and offering rewards.
- Earn interest on savings
- Budgeting and spending tracker
- Referral rewards
- Zero-cost Fundaller to Fundaller transfers
- Virtual dollar card for online payments
- Save on spending
- Accumulate reward points
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Fundall is a personalised digital financial platform that makes spending, managing and growing your money simple, safe, and secure. We allow individuals and businesses to handle all things money in one place and access investment products and services. Our seamless and easy-to-use platform allows customers to enjoy wholesome financial services without having to sign up on multiple platforms, risk their security, or bother about transaction charges when moving funds from one platform to another. Fundall is duly registered with the Corporate Affairs Commission, Nigeria, with a physical office at The Abebi, 23B Tinubu Close, Off Coker Road, Ilupeju, Lagos. Its savings and loans scheme is duly registered under the Co-operative Societies Laws of Lagos State Here’s all you can achieve on the Fundall app: Earn amazing interest on your savings. Take full control of your spending habit with our budget tool and spending tracker. Make money every time you refer your friends to the Fundall app. Transfer from Fundaller to Fundaller at zero cost. Shop online and across the world and pay for subscriptions using our virtual dollar card. Save up to 20% every time you spend on the Fundall app. Accumulate reward points when you make a transaction on Fundall. We are on a mission to provide Africans and the world's unbanked with a single platform to access all financial services.
Screenshots
Verdict
The clearest difference is rating: Fundall at 4.4 against Kiakia P2P's 3.0. Fundall also leads on review sentiment (38% vs 0%) and update cadence (monthly vs every 22 months). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Fundall holds the better App Store score, 4.4 against 3.0. Both are backed by a comparable volume of ratings — 20 and 86 respectively. Written reviews point the same way: 0% of Kiakia P2P's written reviews are positive against 38% of Fundall's.
Kiakia P2P ships an update every 22 months, Fundall monthly. Both last shipped on November 3, 2026.
| Parameter | Kiakia P2P | Fundall |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (20 ratings) | 4.4 (86 ratings) — better |
| Positive reviews | 0.0% of reviews | 37.5% of reviews — better |
| Number of ratings | 20 | 86 — better |
| Update frequency | Every 22 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 24 MB | 145 MB |
| Age rating | 4+ | 4+ |
| Developer | Kiakia Bits Limited | Fundall Company Limited |
Customer experience
Kiakia P2P
Fundall
In-app purchases
Kiakia P2P
No in-app purchases
Fundall
No in-app purchases








