Kviku — loans online in Philippines

Kviku.ph is an online lending platform in the Philippines that offers quick cash loans with transparent costs and no hidden fees.

Kviku is a licensed online lending platform in the Philippines that offers quick personal loans and a virtual credit line directly to Filipino residents. It is a direct lender, not just a comparison site, so the loan is issued by Kviku itself, not by a partner company.

The service is operated by Kviku Lending Co., Inc., which is registered with the Philippine Securities and Exchange Commission (SEC) under registration number CS201918702 and has Certificate of Authority No. 3169. It is part of the global Kviku Group, a fintech brand operating in Europe and Asia.

Kviku offers loans from ₱1,500 to ₱25,000 (with some sources mentioning up to ₱50,000), terms from 15 to 135 days , and interest from 0% to 210.85% APR (with a stated maximum of up to 730% in the app). First-time borrowers may get terms up to 60 days, and the approval process is automated and takes about 3 minutes.

Loan Terms

• Loan Amount from PHP 500 to 25,000
• Term from 15 to 135 days
• For first time borrowers the term is maximum 60 days
• Daily interest rate of 0.16%

Loan Requirements for the borrower

• Citizenship of Philippines
• Age from 20 to 55 years old
• Government valid ID
• Mobile phone number
• Payslip, COE, ITR, company ID, DTI - not necessary, but may help you to get a loan

A list of accepted IDs for loans in the Philippines

• Philippine National ID (PhilID)
• Passport
• Driver's License
• Social Security System (SSS) ID
• Tax Identification Number (TIN) card
• Unified Multi-Purpose ID (UMID)

How to apply and get a loan in Kviku Philippines

The entire process is 100% online, allowing applicants to apply anytime and anywhere without visiting a branch. Loan approval can be as fast as 24 hours, and funds are usually disbursed within 60 minutes to the borrower's bank account or through other payment methods like Cebuana Cash Pick-up or GCash. Kviku requires minimal documentation, typically just one valid government-issued ID, and supports repeat borrowers with possible automatic approvals.

Easy steps to get a cash loan

1. Fill in the application form online. All you need to do is fill out our simple application form on the website, take a picture of yourself and your document.
2. Wait for approval. In a few minutes, you will receive an SMS with a decision on your application.
3. Receive your money instantly. Your money will be transferred to your bank account within 60 minutes.

Repayment Terms and Payment Methods

Repayment Terms

• Loan Tenure — Repayment period of 60 days for first-time borrowers; can be extended up to 180 days for regular borrowers with strong credit ratings
• Interest Rate — Approximately 1.2% per month (0.16% per day); final rate depends on credit score, loan amount, and personal profile
• Early Repayment — You can pay off your Kviku loan whenever you want after registration; contact customer care for early payoff terms and conditions
• Early Payoff Fee — No hidden fees or charges for early repayment
• Loan Extension — First-time borrowers can pay off in as little as 60 days; regular borrowers with good credit can extend up to 180 days
• Late Payment Fee — Additional penalties apply if you don't pay on time

Payment Methods

Kviku supports multiple payment options for your convenience:

Bank Card — Pay online via the Kviku website:

1. Go to kviku.ph and click the Pay button
2. Enter card details (card number, expiry date, cardholder name, CVV code)
3. Enter SMS confirmation code sent to your phone

Bank Transfer — Transfer funds to Kviku's bank account:

1. Click Pay in your Profile, then select Bank transfer
2. New window opens with bank data
3. Pay at any bank in your area

Important: Bank transfers can take up to 5 days to complete

GCash — Pay via GCash e-wallet:

1. Log in to GCash and select "Pay Bills"
2. Choose Loans options
3. Search and select Dragon Loans
4. Enter payment amount, contact number, and other details
5. Click Confirm, then Done

Cash Deposit — Transfer funds to Kviku's bank account at any bank

Advantages and features of Kviku

• Simple procedures. Kviku minimized all the documents to provide you the easiest way to get the loan.
• 100% online. No need to visit a branch. You can submit your application form anytime, even after banking hours and during weekends.
• 24-hour approval. Get your loan approved in as quick as 24 hours and have the cash deposited directly into your bank account.
• Cost transparency. No hidden fees and charges. 
• Several methods how to pay

Kviku App

Kviku provides a mobile app for Android devices, which can be found on Google Play (package name: com.kviku.ph.mobile). Search for «Kviku» in the Play Store or use the direct link from their website to download. The app allows users across the Philippines to access loan services swiftly and conveniently. 

Is Kviku legal?

Yes, the company Kviku Lending Co. INC. is registered in the Philippines under SEC No. CS201918702. It is safe to use Kviku cash loans.