Kviku review
We are not recommending Kviku. Its own Google Play listing advertises up to 2% a day and a maximum annual rate of 730%, with a worked example repaying ₱14,906 on ₱5,000. Its stated terms start at 61 days, so part of that range falls inside the bracket where the ceiling has been 6% nominal and 12% effective a month since April 2026. Either the listing is out of date or the pricing does not comply — until that is resolved, look elsewhere.
Kviku lends its own money, so the company you apply to is the company that holds your loan.
Kviku Lending Co. Inc. publishes Certificate of Authority No. 3169 and SEC registration CS201918702. We have taken those from the operator's own material and have not yet matched them against the SEC list, so treat them as its claim rather than our confirmation.
Numbers from the operator's own Google Play listing. We found no SEC statement confirming it appears on the recorded online lending platform list, and we have not matched the CA number against the SEC list.
Our assessment
Not recommended
Cost of credit: Its published pricing exceeds the ceiling the SEC applies to loans of this size and term. We do not publish an overall figure in this situation — a single number would invite comparison with providers that do not have this problem.
Assessed on 5 of 6 criteria, covering 90% of the rubric weight. We withhold the headline figure until regulatory standing is settled and at least half the weight is covered. How we rate
- Regulatory standing · 25%
- 4/10
- Cost of credit · 20%
- 0/10
- Cost transparency · 20%
- 8/10
- Who you borrow from · 15%
- 9/10
- Data handling · 10%
- Not assessed
- Getting approved · 10%
- 6/10
Key facts
| Loan amount | Up to ₱50,000source |
|---|---|
| Repayment term | 61 – 180 dayssource |
| Advertised rate | 0% – 2% per day; maximum annual rate 730%source |
| Fees | Published example: ₱5,000 over 135 days — ₱9,906 interest, repay ₱14,906source |
| First-loan offer | See lender terms |
| Registered name | Kviku Lending Co. Inc. |
We publish a figure only where we can point at the provider’s own published page. Everything else says “see lender terms”.
Who it suits
Suits you if you would rather know exactly who holds your loan and keep your details with one company. Check its published terms against the effective-rate ceiling before you apply.
Trade-offs
In its favour
- You borrow from the company you applied to: one credit check, one point of contact, one company holding your data
- Terms come from the lender itself rather than a range across unnamed partners
- Easier to hold to account, because there is a named licensee behind the loan
Against it
- Its own listing advertises up to 2% a day and a maximum annual rate of 730%. Since 1 April 2026 a loan of ₱10,000 or less repaid within four months cannot exceed 6% nominal or 12% effective a month, and total cost cannot exceed the amount borrowed. Kviku's stated terms start at 61 days, so part of its range sits inside that bracket at rates far above it
- Its published example repays ₱14,906 on ₱5,000 — almost three times what you borrowed
- Borrowers have reported charges deducted from the principal that were not disclosed up front, and collection contact they found aggressive. We have not verified these ourselves
- One set of eligibility rules. If you do not fit them you are declined outright rather than matched elsewhere
- A single lender is rarely the cheapest option for every borrower profile
Before you apply
- Ask for the total cost in pesos, not the daily rate. Then put it through the loan calculator to see the effective rate and whether it sits inside the ceiling.
- Check the operator name on the SEC lists — the brand on the app is often not the licensed company.
- If an app asks for your contacts or photos, that is the setup for the debt-shaming this market has a history of. Refuse it.
We earn a commission when you apply through some of the links on this page, and that can affect the order providers appear in. It does not affect whether we tell you a provider is a broker rather than a lender, or that we could not verify its registration.
Borrow only what you can repay. Compare the effective interest rate, including fees, rather than the advertised daily or monthly rate — they are not the same number. Missing payments adds penalties and is reported to the credit bureau. If a lender or collector threatens you or contacts the people in your phone, that is prohibited, and you can report it to the SEC.
Borrower reviews
Nobody has submitted a review of Kviku yet. When they do, they appear here in full — we do not write them ourselves and we do not buy them in.
Borrowed from Kviku?
Tell other people what actually happened — the amount you were offered, the fees you were charged, how collection was handled. We publish real submissions only, and we read each one first.
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What we still have to check on this provider (6)
- Confirm the registered corporate name and Certificate of Authority on the SEC list
- Check the SEC advisories list for both the brand name and the operator name
- Record amount range, term range and advertised rate from the provider's own published page, with the URL
- Note which fees are charged up front and whether they are disclosed before application
- If there is an Android app, list the permissions it requests, especially contacts and storage
- Check whether it appears on the SEC list of recorded Online Lending Platforms, not merely incorporated
Published openly on purpose. A review that hides its own gaps is asking you to trust it more than it has earned.
Last reviewed 2026-07-25.