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About the lender

Kviku is an online lending platform that offers quick, easy, and convenient access to short-term online loans. Through its fully automated Kviku online loan service, borrowers can apply for a loan without having to go through a lot of paperwork or spend time visiting different banks.

Kviku is an automated loan evaluation and payout service established by Kviku Lending Co. INC. Kviku, based in Makati City, Philippines, was founded in 2013 and was registered by SEC in 2020. Customers can apply for a Kviku loan without any personal interactions. It is a new advanced software that can verify and study over 1800 data points about a prospect/client depending on the information on their form. The company has received over 5 million applications and issued over 1 million loans totaling $70 million since its establishment.

Pros and cons

If you have financial hardships, a loan from Kviku can be useful. It is, nevertheless, essential to educate oneself on all of the benefits and drawbacks.


  • Simple and fast application procedure.

  • It has a fully automated system. From application to payout, everything is done online without any manual interference.

  • It also offers a loan calculator. Entering your loan amount and repayment time into the loan calculator generates a detailed loan breakdown. Using this can ensure there are no unwelcome surprises along the way.

  • Personal information is kept safe.


  • When compared to traditional bank loans, the interest rate is higher, and the difference could be significant for large loans.

  • Delayed disbursements. Accessing the funds may take some time. Depending on your bank's policies, you may have to wait up to two days.

Loan conditions

Kviku loan is intended for Filipino residents aged 20 to 55. You may be accepted for a loan of ₱500 to ₱25,000 with a daily interest rate of 0.16% and a repayment period of 60 days for their installment loans. A valid government ID, a current mobile phone number, and a bank account are also required. After you make sure you meet the requirements, register on the Kviku website. Although some of these requirements are optional, achieving them boosts your chances of getting a loan. Since your first loan is authorized, you won't have to fill out the papers again for subsequent loans. Your information is already recorded in the system as a repeat borrower so that you may start the application straight away. You may be accepted for a maximum of 60 days if you are a first-time borrower. You may be accepted for a maximum of 180 days if you are a repeat borrower.

Reloan conditions

Each client has an individual loan limit set by the Kviku service. If you don't have any past-due payments on previous loans, you have the right to receive another loan within these restrictions. After paying off the prior loan, Kviku also increases the available loan limit for the borrowers at similar interest rates. Following the previous loan repayment, the next loan services will be accessible immediately.

Funding a loan

To begin your application for a Kviku loan, fill out the application form online from their website. You need to provide your name, date of birth, social security number, phone number, and email address here. That section only pertains to new applicants; if you've already submitted your information, the system already has it. In that case, you can proceed with the loan application. Your application is assessed as soon as feasible after you submit it. It is usually done within one business day. You'll receive an SMS with a code after your application has been approved. The code is used to approve the transaction, and the funds are sent to your account within one hour.


What is Kviku?

Kviku is a popular Fintech company operational in Russia, Kazakhstan, Spain, Poland, and the Philippines focused on immediate online credit solutions. It has an online loan platform that allows Filipinos to apply for loans day or night.

Who owns Kviku?

Nikita Lomakin is the founder and CEO of Kviku.

How do you qualify for Kviku?

You may be eligible for a loan if you're a Filipino citizen aged 20 to 55 with a valid government ID. Your phone number should not have been blocked. 

How much can you borrow from Kviku?

You can borrow anything between ₱500 and ₱25,000 at an interest rate of 0.16% a day with a payment term of 60-180 days. Kviku interest rates might vary depending on your loan terms and credit score.

Is Kviku a legitimate company?

Kviku is a legitimate online loan marketplace. Kviku Lending Co. Inc., which was filed with the Securities and Exchange Commission (SEC) on January 9, 2020. In the Philippines, the company is permitted to function as a lending institution.

Company documents

Terms and Conditions
Privacy Policy

It is the first service that works with customers in online mode, without the help of a human operator! Its operation is fully automated. Any day of the week, regardless of the time, holidays or non-working days, loans are given instantly.

Kviku Lending Co. INC.

Kviku loans calculator

Calculate loan payments in Kviku. Loans calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

500 ₱
25000 ₱
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan at Kviku?

- The company shall be registered at Securities and Exchange Commission in the Republic of the Philippines;

- You can check the availability of the Certificate of Authority on the official SEC website;

- The rules for granting microloans should be available on the company's website;

- The procedure for applying for a microloan should be published on the site;

- The procedure for concluding an agreement and receiving a payment schedule should be available;

- Other terms and conditions for granting microloans should be available.


- Get acquainted with the interest rates on microloans;

- Check the availability of general terms and conditions of the consumer loan agreement;

- Check the availability of information on the total cost of the loan in the consumer loan agreement;

- Take time to think. After reviewing the individual terms of the agreement, take the allowed time to make the final decision.

What distinguishes Kviku from a bank:

- Fast processing of loan applications;

- High interest on the loan for the borrower;

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All Kviku’s reviews by May 2022