Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

2.2

Kviku's application

Advertiser Disclosure

The loan process at Kviku is simple and straightforward. To begin, fill out the online form on the website. You will provide your name, date of birth, social security number, phone number, and email address here. This section only pertains to new applicants; the system has it if you've already submitted your information. If this is the case, you can proceed with the loan application.

Requirements

  • The loan is available for Filipinos aged 20 to 55 years.
  • Kviku requires one valid government ID, but supporting documents such as a payslip, COE, ITR, company ID, and DTI will be helpful (if self-employed or with business). The approval of repeat borrowers may be automated.
  • You should have a valid mobile number that is not blocked.
  • You should be registered on the website.

Application details

After signing the contract, the requested sum is sent within 24 hours. Your bank determines the transaction time, which normally takes 1 to 2 days. Cebuana Cash Pick-up and G-cash transfers will take no more than 24 hours within working days.

How to apply for a loan?

There are three simple steps to applying for a loan using the Kviku website:

  1. Fill out an online application form at their official website landing page. Your name, date of birth, SSS number, email address, and cell phone number along with a picture of you will be required.
  2. Wait for confirmation. If your application is granted or declined, you will be notified through SMS after you have supplied the required information.
  3. Your loan is disbursed post-approval to your registered bank account within an hour.

Kviku application

FAQ

How long does it take to get approved by Kviku?

Once the contract is signed, the requested funds are sent quickly. Your bank determines the transaction time, usually taking a day or two. Cebuana Cash Pick-up, and G-Cash Transfers will not take more than 24 hours on business days.

How trustworthy is Kviku?

The SEC has approved Kviku Philippines, and the company has been certified as an Internet lending provider. The lender is also transparent with publicly accessible data on interest rate, installment payment period, and applicable service charge prior to disbursement, which makes it trustworthy.

Does Kviku verify your income?

Yes, Kviku will verify the applicant's income because it requires them to give their most recent payslip, company ID, and ITR.

Can taking a loan from Kviku hurt your credit score?

Your credit score will be negatively affected if you miss or delay payments.

How long do you have to wait for the disbursement after your application is approved?

The amount claimed is sent immediately after the contract has been signed. The speed of the transaction depends on your bank and normally takes 1-2 days.

What type of online loans does Kviku offer?

Kviku loans include fixed financial loans to clients for short-term use. The loan amount might range from ₱500 to ₱25,000.

Financial products
Kviku
Online Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
500.00 – 25000.00 ₱
Rate
i

Effective interest rate on the product

to 0.16 %
Term
i

Loan term for the financial product

2 months – 6 months
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10500.00 – 25000.00 ₱
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from 11.90 %
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Kviku loans calculator

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

Kviku calculator
Interest rates are given in accordance with the rates of the Kviku in Manila as of 23.05.2024
Loan amount
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PHP
PHP
500 ₱
25000 ₱
Loan term
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days
months
60
180
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All Kviku’s reviews by may 2024
Leave feedback
4
Disadvantages
Please address my concerns regarding my loan application and its processing. I am currently in the hospital for my mother, and while I have paid off my previous loan, I have yet to receive my newly approved loan and contract. I urge Kviku company to take appropriate action in this matter as soon as possible.
Complain
1.6
Disadvantages
Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates. Their lending algorithm is both predatory and harmful. Please be advised and avoid this app at all costs.
Complain
1.4
Disadvantages
I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos. However, I have already paid over 8000 pesos, and now they are demanding an additional payment of 1711.73 pesos on February 23rd, 2023. This level of interest is unreasonable for a loan of only 5000 pesos over a two-month period.
Complain
1.8
Disadvantages
High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0.16% interest rate. Currently, the rate is at 2% per day. Although I received a 3k loan, the contract requires me to pay back over 9k within 135 days. Additionally, they refuse to allow early repayment, and even if I pay early, they still demand the full 9k amount. This is a clear scam.
Complain
Overall company rating
2.2
/ 5
4 reviews
Execution of an application
2.0
Support service
2.3
Mobile app
2.5
Service quality
2.0
Your satisfaction level
2.3
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