Nigeria’s Premiere Loan App

Kudi-Express allows you to apply for and receive a short term loan in minutes, with its fast and highly secure technology.

Kudi-Express and KudiExpress are trading names for Prime Frontier Ltd.

About KudiExpress

KUDIEXPRESS® is a technologically driven online lending platform that delivers short-term loans to meet urgent cash needs in nigeria and other emerging markets in africa. you can apply for a kudiexpress® loan 24 hours every day of the week. download the kudiexpress® app on google playstore on any android device and move around with your bank in your pocket literarily!

Easy to apply, easy to use

Kudi Express has several exciting and innovative features.

  • Instant Loan Application.
  • Maximum Annual Percentage Rate (APR) – 117.74%
  • Loan term is 62 days (2 months)
  • Example: If you borrow NGN 1,000 , you will pay back NGN 1,200.26 over two months (62 days)
  • 2 Hours till loan is in your account for approved borrowers
  • World class support.

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What our awesome customers say

Great App! received the cash in the account within the hour.

Ahmed Bala

Clerk at KFC

Kudi Express is a life Saver! Got a loan to meet an urgent need.

Lanre Johnson

Marketer at Zenith Bank

Fantastic App! Now I have access to finance.

Chinedu Okafor

Designer at Jumi's Kitchen

Contact us

[email protected]

We respond within 24 hours

Privacy Policy

Privacy Policy

Prime Frontier Limited built the KudiExpress app as a Free app. This SERVICE is provided by Prime Frontier Limited at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at KudiExpress unless otherwise defined in this Privacy Policy.

Information Collection and Use

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to Name, Phone number, Email Address, Address, Work information,. The information that we request will be retained by us and used as described in this privacy policy.

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.


Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device’s internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

  • To facilitate our Service;
  • To provide the Service on our behalf;
  • To perform Service-related services; or
  • To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.


We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at [email protected]


Terms and Conditions

Terms for KudiExpress Loans.

Borrower Terms and Conditions
This agreement is made between you (the Borrower named on the credit agreement) and “The Lender” (KudiExpress and also anyone we transfer this agreement to). These Terms and Conditions constitute the Lender’s offer and sets out the terms governing this Agreement. This agreement also extends to your guarantor if provided at the point of loan application. Once your loan has been approved and disbursed to you, this agreement will be legally binding. So, if there’s anything that you don’t understand about this agreement, you need to ask us now.
KudiExpress® is a mobile lending application set up by Prime Frontier Limited (“the Lender”). By accepting this electronic offer via our mobile application or online, a KudiExpress account is set up and you agree that you have read the Terms and Conditions. You authorize the Lender to review your credit report and you understand that this account is subject to transaction fees and default fees and is governed by the Laws of the Federal Republic of Nigeria.
You will be asked to provide information (such as your Bank Verification Number and Card number), when you apply for a KudiExpress® loan. This information is used for verification purposes and to enable repayment of the loan facility. The information provided will be treated with the utmost level of confidentiality.
Some of the words in this agreement are defined and you can find the definitions in the section headed ‘Definitions’.
‘Debt’ means any money we pay to you as a result of this agreement or any extension or amendment to it. It also includes any fees we pay on your behalf.
Parties to this agreement are: ‘You’ and ‘your’ means the person who is borrowing the loan from us, whose name and signature appear on the credit agreement‘ We’, ‘us’ and ‘our’ means KudiExpress® and ‘Guarantor’ (where provided), means the person who has agreed to guarantee us full repayment of your loan if you fail to meet any payments due.
“Account” means the KudiExpress loan account Borrower’s which is opened in your name when we sign this agreement.
“Disbursement Date” means the date the Lender actually advanced the loan to the Borrower
“Payment Due Date” means a maximum of 62 days after the loan has been given
“Credit Limit” means the maximum credit available to the Borrower on opening the account with the Lender
“Loan” means the amount advanced to the Borrower by the Lender, which shall be no less than N5,000.00 (Five Thousand Naira only) for minimum period of 62 days.
By ticking the “I agree to the Terms and Conditions”, on the application form, which you hereby adopt as your electronic signature, you consent and agree that:
a. We are authorized to share, receive and use data/information collected from your transaction with other affiliated Third parties.
b. Your electronic signature on agreements and documents has the same effect as if you signed them using ink on paper or any other physical means.
c. We can send all important communications, billing statements and demand notes and reminders (collectively referred to as “Disclosures”) to you electronically via our website or to an email address that you provide to us for while applying for this loan.
d. We will alert you when the Disclosures are available, by sending you an electronic communication.
e. We will make the Disclosures available to you from the date it first became available to you, or the date we sent you the email to alert you that it was available.
f. You will be able to print a copy of the Disclosure or download the information for your records.
g. This consent applies to this transaction, to all future Disclosures on this Account, to all future transactions in which you use the KudiExpress Payment option with us, at any time, and to other Disclosures that we provide to you by email.
h. By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you as we are required to do so. When we send you an email alerting you that the Disclosures are available electronically and make it available online, that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically.

Card payment authority

During the loan application you will give us consent to collect your payment from your debit card details provided. You can cancel this authority at any time by notifying us. If you cancel this authority you will have to arrange an acceptable alternative way to pay (such as direct debit).
Where the card is used as your primary means of making the monthly payment we will exercise the rights to debit the account tied to the card on payment date. If we are unable to collect the payment on that date we will try to collect from you on the next day and every third day until the debt is settled.
a. To pay to us, the loan sum, including any convenience, default or penalty fees, flat interest rate, and other amounts due to the Lender charged to this Account. Borrower promises to pay these amounts as agreed in this Agreement on or before the Payment Due Date.
b. The Lender reserves the right to presume that the Borrower has authorized any loan application made in the name of the Borrower using this Account. The Borrower will be deemed responsible for any unauthorized application using this Account unless the Borrower notifies the Lender of imminent fraud by another person on his account within 24 hours of such fraud.
c. To repay the loan given to you and/or to someone you authorized to use this Account via direct cash transfer to a bank account listed by the Lender, an electronic debit from the card/account you provided on the due date. The Lender reserves the right to accept early repayment before the Payment Due Date, provided the Borrower has given adequate notice and repays full loan along with the flat interest rate.
d. To give The Lender authentic and up-to-date personal, social media, phone and financial records about you that we may reasonably request and analyze, from time to time.
e. To pay all costs of collection if we take any action to collect this Account or take any action in a bankruptcy proceeding filed by or against you. This shall include, unless prohibited by applicable law, reasonable attorneys’ fees and expenses incurred while collection lasts.
f. Not to give us false information or signatures, electronic or otherwise, at any time.
g. To pay a Late Fee or penalty fee as may be provided in this terms and conditions.
h. To make all payments via direct debit on cards or by electronic funds transfer as stated in the application form.
i. To promptly notify us if you change your name, you’re mailing address, your e-mail address or your telephone number.
j. To honor any other promises that you make in this Agreement.
k. That you will not accept this Account unless you are of legal age and have the capacity to enter into a valid contract.
l. Not to use KudiExpress only for any act of illegality or criminality as KudiExpress will not be criminally culpable for any illegality committed by you.
m. To fill out the application form (as provided) with accurate information and details as required.

a. To make available the loan/credit facility to the Borrower of a figure not less than N5,000.00 (Five Thousand Naira only)
b. To perform a) above upon confirmation of the Borrower’s identity and personal information
c. To demand repayment for the Borrower as and when due
d. To conduct investigations on the Borrower prior to opening an account for the Borrower
e. To use all reasonable and legitimate means to collect the amount extended to the Borrower, the default fee, the transaction fees and any other penalty fee imposed on the Borrower as a result of the loan.
f. Not to store or save Borrower’s debit or credit card details given by the Borrower in the application form
a. The Lender or its duly authorized representatives/agents will utilize dedicated Credit Agencies for a credit report on the Borrower in considering any application for credit.
b. The Borrower authorizes The Lender to access any information available to The Lender as provided by the Credit Agency.
c. The Borrower also agrees that the Borrower’s details (save the card details) and the loan application decision may be registered with the Credit Agency.
The Borrower agrees that The Lender may communicate with them by sending notices, messages, alerts and statements in relation to this Agreement in the following manner:
a. To the most recent physical address The Lender holds for the Borrower on file
b. By delivery to any email address provided during the application process.
c. By delivery of an SMS to any mobile telephone number the Borrower has provided to The Lender.
d. By posting such notice on the Lender’s website
Default in terms of this Agreement will occur if:
a. The Borrower fails to make any scheduled repayment in full on or before the payment due date in accordance with the repayment plan given to the Borrower;
b. Any representation/information, warranty or assurance made or given by the Borrower in connection with the application for this loan or any information or documentation supplied by the Borrower is later discovered to be materially incorrect; or
c. The Borrower does or omits to do anything which may prejudice The Lender’s rights in terms of this Agreement or causes The Lender to suffer any loss or damage.
In the event of any default by the Borrower subject to clause above –
a. The Lender reserves the right to assign its right, title and interest under the Agreement to an external Collections Agency who will take all reasonable steps to collect the outstanding loan amount.
b. The Lender also reserves the right to institute legal proceedings against the defaulting Borrower and is under no obligation to inform the Borrower before such proceedings commence
c. The lender can where provided approach the guarantor for full settlement of the obligations of the borrower.
d. The Borrower shall be responsible for all legal costs and expenses incurred by The Lender in attempting to obtain repayment of any outstanding loan balance owed by the Borrower. Interest on any amount which becomes due and payable shall be charged.
a. In addition to Termination by default, we may terminate this Agreement at any time and for any reason subject to the requirements of applicable law.
b. We can terminate your Account by sending written notice to the address on your application or electronically to the email address provided.
c. If there is no debit or credit on this Account for twelve (12) consecutive months, we may terminate this Account without notice to you.
d. When Termination arises as a result of default, you will not be able to apply for credit in future
a. This Agreement represents the entire understanding between The Lender and the Borrower.
b. Amendment shall be made by the Lender from time to time and communicated to the Borrower.
c. The Borrower agrees and undertakes that for the period of this Agreement, the Borrower will not close the Borrower’s specified bank account.
d. This Agreement shall be governed by the laws of the Federal Republic of Nigeria and shall be subject to the jurisdiction of the courts of the Federal Republic of Nigeria.
e. If The Lender does not strictly enforce its rights under this Agreement (including its right to insist on the repayment of all sums due on the Repayment Due Date) or grant the Borrower an indulgence, The Lender will not be deemed to have lost those rights and will not be prevented from insisting upon its strict rights at a later date.
f. The Lender reserves the right to transfer or assign its rights and obligations under this Agreement (including its obligation to lend money to the Borrower or the amount owed under this Agreement) to another person. The Lender will only inform the Borrower if such a transfer causes the arrangements for the administration of this Agreement to change.
g. The Borrower authorizes and consents to all lawful access, use or disclosure of the Borrower’s particulars, data and information in the application by The Lender which may include but shall not be limited to purposes necessary to promote or sustain the business of The Lender; and the Borrower waives any claims the Borrower may have against The Lender arising from any such access, use or disclosure.