KVIKU - Loan and Review. Lender in Manila


Логотип компании KVIKU

First loan for free

Rating of organization: 5/5, total votes 305.

More info about Kviku Lending Co. INC.

Name of Organization KVIKU
Full Name of Organization Kviku Lending Co. INC.
Hotline 000

Kviku Lending Co. INC. - Product Features

Min. financing amount 1000 php
Max. financing amount 25000 php
Max. financing amount 180 days
Loan tenure 0.16%
Approval duration Average time from 2 to 12 hours

Fees & Charges

Debt consolidation Information on debt consolidation is not listed on the site. You need to contact representatives of the organization through any source and clarify
Processing fee One-time fee is not charged when making a loan
Stamp duty Stamp duty is not provided in the organization
Annual fee Annual fee ranges from 180% to 365% depending on the percentage under which you borrowed
Other fees Other fees are not listed on the site. However, when applying for a loan, you can include insurance or any other services. For more information, you need to consult with representatives of the organization.


Early settlement Early debt settlement does not charge you extra fees. For more information contact the credit organization.
Late payment charges 6% of overdue amount
Other penalties Not provided

Additional Requirements

Need to bind a bank account No
Other details Payment on the loan occurs through a bank card


Kviku.ph is a legitimate website that provides a range of financial products and services, such as short-term loans and credit cards, to customers in the Philippines. It is operated by Kviku Financial Corporation (KFC), which is a licensed financial institution supervised by the Bangko Sentral ng Pilipinas (BSP). KFC has been in business since 2017 and is a member of the Lending Association of the Philippines.

Kviku.ph is committed to providing secure, reliable, and transparent services to its customers. To ensure this, it adheres to all laws and regulations set forth by the BSP as well as its own internal policies and procedures. Moreover, it provides secure online payment options and uses advanced encryption technology to protect customer data. All transactions are monitored on a regular basis to prevent fraud or any other malicious activity.

Best offers

How to take a loan in Kviku?

Taking out a loan with Kviku.ph is relatively straightforward and convenient. In order to apply, customers need to provide basic personal information and some documents such as a valid ID, proof of address, and proof of income. Customers also need to agree to the Terms & Conditions in order to proceed.

Once the application has been approved, the loan amount will be deposited into the customer’s bank account within 24 hours. To pay off their loan, customers can use any of Kviku’s payment options such as credit cards, debit cards, bank transfer or direct debit from their bank account.

Kviku provides its customers with flexible repayment terms that range from 1 month to 12 months. They also offer an online calculator so that customers can calculate their monthly payments based on their desired loan amount and repayment period before applying for a loan. Moreover, they provide 24/7 customer support via phone or email if customers have any questions or concerns about their application or loans.

Example of calculating interest and loan payments

Calculating interest and loan payments with Kviku.ph is fairly straightforward. To calculate interest, a customer needs to input the loan amount, repayment period, and interest rate into an online calculator provided on the website. The calculator will then show the total amount of interest that will be charged for the loan.

The loan payments are typically structured as a fixed monthly payment throughout the duration of the loan. For example, if you take out a PHP 10,000 loan for 12 months at an annual percentage rate (APR) of 4%, your monthly payments will be around PHP 848.51 based on a simple interest calculation method.

In addition to this, Kviku also offers customers flexibility in terms of repayment options and payment frequency. Customers have the option to choose from weekly, bi-weekly, or monthly payment frequencies depending on their preference and budget constraints. Furthermore, customers can choose to repay their loans in a lump sum or through installment payments over several months or years. This makes it more convenient for customers to manage their finances more efficiently while meeting their financial obligations without compromising their lifestyle.

Additional conditions for granting loans

In addition to the basic personal information and documents required for loan applications, Kviku.ph also has additional conditions that customers must meet in order to be approved for a loan.

For instance, customers must have a minimum annual income of PHP 180,000 and must be between 21-60 years old. Additionally, credit history is taken into account when considering loan applications. Customers with good credit histories are more likely to get approved since lenders consider them less risky borrowers.

Also, Kviku reserves the right to reject any loan application when deemed necessary and also requires all applicants to provide details of their employment status, contact information, type of residence, age and gender. Moreover, customers who apply for loans exceeding PHP 20,000 may need to provide additional documents such as proof of residence or an ITR (Income Tax Return).

Kviku also offers attractive rates on its loans depending on the customer’s repayment history and financial credibility. The interest rate can range from 3-28% depending on the customer’s situation and these rates are usually fixed throughout the term of the loan. Furthermore, customers may be eligible for discounts or special offers if they are loyal customers who have made timely payments in the past.

Reasons for a loan denial

Kviku.ph may deny a loan application for several reasons, such as the customer not meeting the minimum income requirements, failing to provide the required documents and information, or having an insufficient credit history.

Customers may also be denied a loan if their current financial situation is deemed too risky. This could include having too many outstanding debts or previous delinquencies on their credit reports. Additionally, customers who have filed for bankruptcy are usually ineligible for loan approval with Kviku.

How much does Kviku charge in interest and fees?

Kviku.ph offers competitive interest rates, ranging from 0.3-2.8% depending on the customer’s payment history and financial circumstances. The interest rate remains fixed throughout the loan term, and customers may even be eligible for discounts or other special offers if they have made timely payments in the past. In addition to interest charges, Kviku may also charge additional fees such as processing fees, late payment fees, or penalty fees for early repayment of loans. These fees will vary depending on the type of loan product and amount borrowed.

Contacts of Kviku

Kviku.ph is a lending platform that offers customers access to financial services through its online platform. If you have any questions or need assistance, Kviku’s customer service team is available to help. You can contact them via email at info@kviku.ph, or call their customer service line at +632 8877-8888 from 9AM to 5PM Monday – Friday.

For more information on their services and requirements, you can also visit their website at https://www.kviku.ph/. Their physical address is located at 71/F Frabelle Corporate Center 309 Senator Gil J Puyat Avenue Makati City 1209 Philippines.

How to take a loan in KVIKU?

  • Fill in the application for a loan.
  • Confirm the offer. The offer is signed by an SMS code sent to your Get the solution instantly!
  • Transfer money to a bank account or card in one day!

Additional conditions for granting loans:

  • the whole process through the Internet, without leaving home;
  • for Filipino citizens who have reached the age of 21 (majority);
  • the presence of a permanent registration in the territory of the Philippines;

Reasons for a loan denial:

  • Poor credit score
  • You are blacklisted, on debt review or had a judgement against your name
  • You don’t have enough income for the loan you requestedd
  • Poor track record of credit card or loan repayments

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

Managing structure KVIKU

Founder - Unknown
Co-owner - Unknown
Hi, Im !
I know everything about the Philippines financial market because I have been working in the financial sector for more than five years.

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