Kviku Lending Co. Inc.

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

Up to PHP 25 000 for up to 180 days, disbursed in 5 minutes:

• Amount from PHP 500 to 25,000
• Term from 2 to 6 months
• For first time borrowers the term is maximum 60 days
• Daily interest rate of 0.16%

Why to choose 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. 

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

How to get a loan is Kviku

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:

• 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.
• Wait for approval. In a few minutes, you will receive an SMS with a decision on your application.
• Receive your money instantly. Your money will be transferred to your bank account within 60 minutes.

Frequently Asked Questions (FAQs)

What is Kviku.ph?

Kviku.ph is an automated online lending service that offers personal cash loans to Filipino residents quickly and conveniently through a fully digital process.

How much can I borrow and what are the loan terms?

You can borrow from PHP 1,500 to PHP 25,000. Loan terms range from 60 days up to 180 days, with a daily interest rate of approximately 0.16%.

What are the requirements to apply for a loan?

Applicants must be Filipino citizens aged 20 to 55, have a valid government-issued ID, an active mobile phone number, and be registered on the Kviku website. Supporting documents such as payslips or business permits may help but are not always required.

How do I apply for a loan?

Simply fill out the online application form on the Kviku website, upload a photo of yourself and your ID, enter the loan amount, and select your preferred method to receive the money. After submitting, you will receive an SMS with a confirmation code to finalize the contract.

How fast is the approval and disbursement process?

Loan approval can take as little as 24 hours, and once approved, the money is typically transferred to your bank account within 60 minutes. Transfers via Cebuana Cash Pick-up or GCash usually take less than 24 hours during working days.

Are there any hidden fees or charges?

No, Kviku maintains cost transparency with no hidden fees. You will know the exact repayment amount from the start of the application process.

Can I get a loan if I am a repeat borrower?

Yes, repeat borrowers may receive automatic approval and Kviku may increase your available loan amount after you repay previous loans on time.

How do I repay my loan?

Repayments can be made via bank deposit to Kviku’s UnionBank account or through payment centers. It is important to send proof of payment to their support email to avoid delays.

Is Kviku.ph safe and legitimate?

Kviku uses advanced automated software to assess loan applications objectively and operates fully online. It is a legitimate service offering transparent and regulated loan products in the Philippines.

What if I have issues or questions?

Kviku provides customer support via email ([email protected]) and their website FAQ section. Customer service is available during business hours to assist with problems or inquiries.