Fixed Savings
The interest lands on day one.
Lock a sum for anything from 30 days to five years. The full 17% a year, pro-rated to the exact day, is paid into your wallet the moment the plan starts — not at maturity.
Savings · Credit · Ajo — one app
Money that worksfrom day one.
Kudi9ja pays 17% a year on Fixed Savings — into your wallet the day you lock, not the day it matures. And it lends up to ₦5,000,000 on a repayment plan you can read at a glance.
Free to download · iOS and Android · Nigeria
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Adaeze
Wallet balance
₦842,500.00
Add moneyWithdrawK9-A1B2C3
70%
Fixed Savings
17% p.a.365 days · matures 12 Mar
₦1,500,000
Interest paid
+₦255,000
Day one
Credit score
724 / 850
- 17%
- a year on Fixed Savings
- ₦5M
- maximum credit line
- ₦5,000
- to open a plan
- 24
- months to repay
Save
Three ways to grow it.Pick the one that fits.
Target Savings
Name the goal. We do the saving.
Set a total and a date; Kudi9ja moves the money daily or weekly on its own and adds a bonus of up to 10% when you reach the finish. Walk away early and your principal comes back whole.
Ajo Circle
The savings club, done properly.
Run a rotating circle with people you trust. Everyone contributes each cycle, one member collects the pot per round, and the app keeps the rotation, the payments and the receipts honest.
Borrow
Credit withnothing hidden.
One flat charge, one processing fee, and a schedule you see in full before you sign. What you will repay is decided the day you borrow — and it never changes after.
- ₦50,000 – ₦5,000,000
- Borrow what you actually need, over one to twenty-four months.
- One flat rate
- Charged on what you borrowed. It never compounds and it never moves.
- Every instalment dated
- The full schedule is on screen before you accept a single naira.
- Settle early, pay less
- Clear ahead of time and half the interest on the unused months comes back.
Ask
The short answers.
Lock a sum in Fixed Savings for anything from 30 days to five years. The 17% a year is pro-rated to the exact number of days you choose, and the whole return is paid into your wallet the moment the plan starts — free to spend that same day.
No. A Fixed plan cannot be broken at any price; the principal is released on its maturity date. You can top it up whenever you like, and each top-up earns its own 17% over the days still to run. If you want the freedom to walk away, choose Target Savings instead — your principal comes back in full, though the bonus is forfeited.
From ₦50,000 to ₦5,000,000, over one to twenty-four months. You pay a single flat rate on the amount borrowed — it never compounds and never changes once the loan is priced. Settle ahead of schedule and half the interest on the months that never started comes back to you.
One processing fee: a flat ₦5,000 on loans up to ₦500,000, or 1% of the amount above that. It is deducted from the loan before it reaches your wallet, and it is shown on every screen that touches the loan — including the confirmation sheet — before you accept.
Money comes in by bank transfer to the company collection account — there is no card or USSD path. It goes out only to a bank account you already hold in your own name, nominated at sign-up and changeable at any time. Kudi9ja issues no account numbers of its own.
A verified email, your BVN and NIN, an address, and the bank account you want to be paid into. You then set a password, a 6-digit sign-in passcode and a separate 4-digit transaction PIN. You must be 18 or over.
Start earning today, not at maturity.
Download Kudi9ja, verify once, and open your first plan from ₦5,000.