Scam And Fraud Awareness

Awareness helps you protect your identity and your money. Stay safe online by learning how to spot scams and how to respond if you think your Kucredit account has been compromised.

Fraud Awareness

Personal Information You Must Never Share

  • Your Kucredit password, passcode, or transaction PIN.
  • Your Kucredit Pay ID or QR code for payment requests.

If anyone contacts you pretending to be from Kucredit and asks for any of this information, report it immediately via the in-app support chat.

How We May Contact You Off Your Kucredit App

Emails

All official emails from Kucredit will always come from addresses ending in @Kucredit.com (e.g., help@kucredit.com, help@kucredit.com, or notifications@kucredit.com). Below are types of messages you may receive via the email address linked to your Kucredit profile:

  1. Transaction Alerts
    You’ll get notifications for debit and credit transactions, savings activities, QR code usage, utility token purchases, and investment updates.
  2. Announcements
    We’ll keep you informed about app updates, new features, service enhancements, and occasional promotions.
  3. Device Change
    For your security, we notify you whenever your Kucredit account is accessed on a new device.
  4. Password Changes
    If you request a password reset through the app or website, we’ll confirm the change via email.
  5. Account Statements
    When you request a monthly or custom statement, we’ll send it to your email in PDF or spreadsheet format.

⚠️ Reminder: Kucredit will never ask for your PIN, password, or security codes via email.

Phone Calls

We may call you to follow up on a complaint or transaction issue, to provide vital info about your Kucredit account, or to conduct a brief customer survey.

If you ever receive a call from us, we’ll clearly identify ourselves and our reason for calling. We will NEVER ask for sensitive info like your password, passcode, transaction PIN, card CVV (3-digit code), or your Pay ID over the phone.

Social Media

We may contact you via social media to respond to queries or follow up on complaints. Here are our official Kucredit social handles:

  • @Kucreditofficial and @Kucreditsupport
  • @Kucreditofficial
  • facebook.com/Kucreditapp
  • @Kucreditofficial

🚨 Watch out for impersonators. Always verify that you're interacting with our official accounts.

WhatsApp Messages

Kucredit may send automated reminders—such as overdraft repayment notices—via WhatsApp. However, we never use WhatsApp for customer service chats.

If you receive a message claiming to be from Kucredit support on WhatsApp, treat it as suspicious and contact us directly via verified channels.

Common payment scams

  • • A text or WhatsApp message, tweet, or email warning that your account will be closed unless you click or tap a link to update account information.
  • • A message asking you to pay for a fake Kucredit Overdraft.
  • • A message or call asking for sensitive info like your password, passcode, card PIN, CVV, or Pay ID.
  • • A merchant or vendor you’ve never dealt with asking for payment before sending your order.
Scam Alert Illustration

How to spot a scam email

Generally, any text message, email, or phone call about your Kucredit account that you cannot confirm is from us is potentially dangerous and must be ignored.

If in doubt, please call 0700 022 55832 or email help@Kucredit.com or help@Kucredit.com before taking any action.

Scam Warning Icon

How to identify a scam

  1. Spelling errors in a text or WhatsApp message or email claiming to be from your bank.
  2. A strange link in a text or email, e.g., nameofbank.agent.direct-link.com.
  3. Sender ID is a random number, not the name of your bank.
  4. Messages urging you to make a payment or investment quickly.

What to do if you suspect that you’ve been scammed

If you’re not sure about any transaction on your account or you suspect you have been scammed, please call fraud@Kucredit.com or help@Kucredit.com immediately.

Don’t post scam details on social media — we won’t be able to respond there for your security. Instead, reach out directly via phone, email, or the Kucredit app.

If you report a suspicious transaction, we may temporarily restrict your account to protect your funds during our investigation.

Kucredit Loans FAQs

A Kucredit loan is a quick, flexible credit solution directly disbursed into your Kucredit wallet. Repayment includes a small interest rate and can be done through automated monthly deductions.

kucredit offers collateral-free loans with competitive interest rates, fast approvals, and flexible repayment plans, making financial access easier.

Loan amounts are determined based on your transaction history, income, and repayment behavior. Eligible users can access up to $10,000.

Typically, you need a valid means of ID, BVN, an active Kucredit account, and a good financial history. No physical documents are required.

Yes, timely repayments can improve your credit score while defaults may negatively impact it.

Extensions are available under special conditions. You must request it before your due date via the Kucredit app.

Missing a repayment may incur late fees and negatively affect your credit record. We encourage timely payments.

No, you can repay early without any penalties. In fact, early repayment may boost your eligibility for larger future loans.

You must repay your existing loan before applying for a new one, unless you're eligible for a top-up.

Approved loans are disbursed instantly to your Kucredit wallet.

Interest rates range from 2% to 10% monthly, depending on the loan amount and duration.

Yes, Kucredit supports repayment via linked bank accounts and wallets.

No collateral is required. Our loans are based on your creditworthiness and account behavior.

You can reach us through the support section in your Kucredit app or via our website chat.

Once a loan has been disbursed, it cannot be cancelled. However, you can repay it early to close it.