An instant short-term loan when you need it.

No paperwork, no embarrassment, just 0.3% daily interest.Kuda Overdrafts are short-term loans you can take anytime as long as you use your Kuda account regularly.

How overdrafts work

Sign up on Kuda and upgrade your account with your BVN (Bank Verification Number) and a valid ID.

Use your account regularly - buy airtime, pay bills, make transfers etc.

We’ll automatically offer you an overdraft!

How to borrow

Overdraft FAQs

Get the app now, dump bank fees for good.

It only takes a few minutes to start enjoying free benefits. Download Kuda on Google Play or the App Store.