Kviku Lending Co. Inc.

Kviku Lending Co. Inc.

Kviku Lending Co. Inc. is a Philippine lending company registered with the SEC under Registration No. CS201918702. Its Certificate of Authority to Operate as a Lending Company is No. 3169. The company also publishes NPC Registration No. PIC-001-791-2021.

Brand operated by the company

The company operates under the brand:

• Kviku

Kviku is both the corporate brand and the name of its online lending platform and mobile application.

What Kviku does

Kviku provides unsecured personal loans through a fully online application process. Customers can apply without visiting an office, submitting collateral or providing a guarantor.

The platform is intended for urgent personal expenses and other legal consumer needs. Approved money is transferred to the borrower’s bank account.

Kviku loan terms

The current Android application publishes the following terms:

• loan amount of up to PHP 50,000;
• repayment period from 61 to 180 days;
• daily interest rate from 0% to 2%;
• maximum annual rate of 730%;
• no collateral or guarantor required.

The application provides the following cost example:

• principal: PHP 5,000;
• daily rate: 2%;
• term: 135 days;
• stated total interest: PHP 9,906;
• total repayment: PHP 14,906.

The example demonstrates that Kviku loans can be very expensive at the highest rate. The borrower should compare the amount received with the full amount payable and review all service fees and penalties before accepting the agreement.

Some older Kviku pages and third-party sources show lower limits and rates. The terms displayed in the current application and individual Disclosure Statement should take priority.

Who can apply

The application lists the following general requirements:

• Philippine citizenship;
• age from 20 to 55 years;
• valid government-issued ID;
• active mobile number;
• bank account for disbursement.

Kviku states that an income certificate, formal employment, collateral and a guarantor are not mandatory. Self-employed and informally employed applicants may apply, although approval remains subject to the company’s assessment.

How Kviku works

The application process generally includes:

1. Installing the official Kviku application.
2. Registering with personal and contact details.
3. Providing a government-issued ID.
4. Entering a bank account for disbursement.
5. Selecting the requested amount and term.
6. Submitting the application.
7. Receiving an automated decision.
8. Reviewing the loan agreement and payment schedule.
9. Confirming the loan and receiving the funds.

Kviku states that the approval process may take approximately three minutes. Actual processing and bank transfer times may vary.

Kviku application

The official Android application is:

Kviku – online loans

Google Play package:

com.kviku.ph.mobile

Developer:

Kviku Lending Co. INC

The application had more than 100,000 downloads and was updated on 23 April 2026. It allows borrowers to apply, make payments, monitor the repayment schedule and access loan agreements.

A current official iPhone application operated by Kviku Lending Co. Inc. could not be confirmed during the latest review.

Kviku contact information

Website: kviku.ph

Customer support email: [email protected]

Administrative email: [email protected]

Website hotline: +63 32 234 9637

Google Play support number: +63 995 880 3337

Address: 18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village, Makati City, Philippines

Corporate details:

Kviku Lending Co. Inc.
SEC Registration No. CS201918702
Certificate of Authority No. 3169
NPC Registration No. PIC-001-791-2021

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%