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Kviku review

Direct lender3.1/5

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 Either the listing is out of date or the pricing does not comply — until that is resolved, look elsewhere.

Loan amount
Up to ₱50,000
Repayment term
61 – 180 days
Advertised rate
0% – 2% per day; maximum annual rate 730%
Fees
Published example: ₱5,000 over 135 days — ₱9,906 interest, repay ₱14,906
Direct lenderSECCA 3169per operator

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.

Source for this

Go to Kviku

Our rating

out of 5 — Fair

  • Prices above the cap. Its own published maximum rate sits above the 12% effective monthly ceiling SEC MC 14 applies to small short-term loans. Check the figure you are quoted before you sign.

Our own assessment, not a customer poll. Scored on 5 of the 6 criteria that apply to a direct lender, covering 90% of the rubric weight. How we rate

Regulatory standing · 25%
4/10
Cost of credit · 20%
1/10
Cost transparency · 20%
8/10
Who you borrow from · 15%
9/10
Data handling · 10%
Not assessed
Getting approved · 10%
6/10

Sub-scores are held on a 0–10 scale and shown that way for precision; the headline converts them to the 5-point scale.

Key facts

Loan amountUp to ₱50,000source
Repayment term61 – 180 dayssource
Advertised rate0% – 2% per day; maximum annual rate 730%source
FeesPublished example: ₱5,000 over 135 days — ₱9,906 interest, repay ₱14,906source
First-loan offerSee lender terms
Registered nameKviku 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

Questions people ask about Kviku

Is Kviku SEC-registered?

Kviku Lending Co. Inc. publishes SEC Registration CS201918702 and Certificate of Authority 3169 on its Google Play listing. We have found no SEC statement confirming it appears on the recorded online lending platform list and have not matched the CA number against the SEC list, so its status here is self-declared rather than confirmed.

What does Kviku cost?

Its listing publishes 0% to 2% a day with a maximum annual rate of 730%, and a worked example of ₱5,000 over 135 days repaid at ₱14,906. Terms start at 61 days, which places every Kviku loan outside the bracket the 2026 SEC ceiling covers.

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.

Go to Kviku

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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Alternatives to Kviku

Other providers we list for the same need, each rated on the same rubric.

We earn a commission when you apply through some of these links, which can affect the order. It never affects the rating, the lender/marketplace label or the SEC status.

See every provider for online loans in the philippines →

What we still have to check on this provider (6)

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.