Comparison

Kiakia P2P vs LAPO Mobile App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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.

About

LAPO Mobile App

Manage your finances on the go with this banking app. It offers self-onboarding, bill payments, transfers, and airtime purchases. Monitor your account and activities with ease.

Highlights
  • Self-Onboarding
  • Bill Payments
  • Transfers
  • Airtime Purchase
  • Account Monitoring
Features
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The LAPO Mobile App brings convenience and ease of banking for our customers without any hassle and tussle. Banking made easy and accessible just on the go with the following feature: Self-Onboarding Pay bills Transfers Airtime purchase Monitor your account and activities Enjoy banking with a whole new experience with LAPO Microfinance Bank offering cutting-edge banking services and solutions in the mobile App, Internet banking, USSD banking, CARDs, PoS, Agency Banking and so much more. We are poised to deliver exceptional banking service through our channels and products and be with our customers all through their banking experience with us.

Screenshots

Kiakia P2P4 screens
LAPO Mobile App4 screens

Verdict

The call

The clearest difference is rating: Kiakia P2P at 3.0 against LAPO Mobile App's 2.4. Kiakia P2P also leads on device support (3 vs 1) and iOS requirement (15.6 vs 17.2). LAPO Mobile App's advantage is update cadence (every 6 weeks vs every 22 months) and review sentiment (14% vs 0%). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Kiakia P2P holds the better App Store score, 3.0 against 2.4. Both are backed by a comparable volume of ratings — 20 and 36 respectively. Written reviews complicate that: 0% of Kiakia P2P's written reviews are positive against 14% of LAPO Mobile App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Kiakia P2P ships an update every 22 months, LAPO Mobile App every 6 weeks. Both last shipped on November 3, 2026.

Scorecard5 real differences · 5 level
Kiakia P2P versus LAPO Mobile App: the parameters behind the verdict, then further details
ParameterKiakia P2PLAPO Mobile App
PriceFreeFree
Rating3.0 (20 ratings) — better2.4 (36 ratings)
Positive reviews0.0% of reviews14.3% of reviews — better
Number of ratings2036 — better
Update frequencyEvery 22 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.6 — better17.2
Further details — not scored
Size24 MB37 MB
Age rating4+4+
DeveloperKiakia Bits LimitedLAPO MFB

Customer experience

Kiakia P2P

All ratings18 ratings
Positive44.4%
Neutral5.6%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

LAPO Mobile App

All ratings36 ratings
Positive30.6%
Neutral5.6%
Negative63.9%
Written reviews7 reviews
Positive14.3%
Neutral0.0%
Negative85.7%

In-app purchases

None

Kiakia P2P

No in-app purchases

None

LAPO Mobile App

No in-app purchases

Questions

Is Kiakia P2P free?
Kiakia P2P is free to download, with no in-app purchases.
Is LAPO Mobile App free?
LAPO Mobile App is free to download, with no in-app purchases.
Which has better reviews, Kiakia P2P or LAPO Mobile App?
Kiakia P2P is rated higher. Kiakia P2P averages 3.0 out of 5 from 20 ratings, while LAPO Mobile App averages 2.4 from 36 ratings.
Do Kiakia P2P or LAPO Mobile App have ads?
Neither Kiakia P2P nor LAPO Mobile App shows ads.
Which is updated more often, Kiakia P2P or LAPO Mobile App?
Kiakia P2P ships an update every 22 months, and LAPO Mobile App every 6 weeks. Most recently, Kiakia P2P was updated on November 3, 2026 and LAPO Mobile App on November 3, 2026.

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