Comparison

Kiakia P2P vs SeedFi

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
Read full description

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

SeedFi

This app connects users to loan opportunities, allowing them to form or join communities for better interest rates and discounts. It facilitates group borrowing to achieve financial goals.

Highlights
  • Access loan opportunities
  • Create or join loan communities
  • Benefit from community discounts
  • Achieve better interest rates
  • Financial goal achievement
Features
Read full description

SeedFi provides access to various loan opportunities. Create or join a cluster on SeedFi to enjoy better interest rates and discounts given to SeedFi communities.

Screenshots

Kiakia P2P4 screens
SeedFi3 screens

Verdict

The call

The clearest difference is review sentiment: SeedFi at 42% against Kiakia P2P's 0%. SeedFi also leads on update cadence (every 2 months vs every 22 months) and rating (3.3 vs 3.0). 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

SeedFi holds the better App Store score, 3.3 against 3.0. Both are backed by a comparable volume of ratings — 20 and 17 respectively. Written reviews point the same way: 0% of Kiakia P2P's written reviews are positive against 42% of SeedFi's.

UpkeepUpdate frequency

Kiakia P2P ships an update every 22 months, SeedFi every 2 months. Both last shipped on October 24, 2026.

Scorecard3 real differences · 7 level
Kiakia P2P versus SeedFi: the parameters behind the verdict, then further details
ParameterKiakia P2PSeedFi
PriceFreeFree
Rating3.0 (20 ratings)3.3 (17 ratings) — better
Positive reviews0.0% of reviews41.7% of reviews — better
Number of ratings20 — better17
Update frequencyEvery 22 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better16.6
Further details — not scored
Size24 MB94 MB
Age rating4+17+
DeveloperKiakia Bits LimitedThe Dataseed Company Limited

Customer experience

Kiakia P2P

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

SeedFi

All ratings17 ratings
Positive58.8%
Neutral0.0%
Negative41.2%
Written reviews12 reviews
Positive41.7%
Neutral0.0%
Negative58.3%

In-app purchases

None

Kiakia P2P

No in-app purchases

None

SeedFi

No in-app purchases

Questions

Is Kiakia P2P free?
Kiakia P2P is free to download, with no in-app purchases.
Is SeedFi free?
SeedFi is free to download, with no in-app purchases.
Which has better reviews, Kiakia P2P or SeedFi?
SeedFi is rated higher. Kiakia P2P averages 3.0 out of 5 from 20 ratings, while SeedFi averages 3.3 from 17 ratings.
Do Kiakia P2P or SeedFi have ads?
Neither Kiakia P2P nor SeedFi shows ads.
Which is updated more often, Kiakia P2P or SeedFi?
Kiakia P2P ships an update every 22 months, and SeedFi every 2 months. Most recently, Kiakia P2P was updated on October 24, 2026 and SeedFi on October 24, 2026.

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