Kviku Loan Review: Is the Philippines App Legit or a Source of Harassment? Complaints, Contact Information, and More

Before diving into the world of quick cash loans, it’s essential to evaluate the legitimacy and reliability of such services. This review aims to provide an in-depth analysis of Kviku Loan, offering insights into its prominent attributes, advantages, disadvantages, interest rates, application procedures, customer opinions, repayment alternatives, and additional details. By the end of this article, you’ll have a clear understanding of whether Kviku Loan is a suitable financial solution for your needs.

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Rank Lender Name & Application Link Loan Amount Loan Term Interest Rate Repayment ID Required Age Range Special Feature

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only National ID required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval

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₱1,000 – ₱50,000 1 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 65 Receive money in 10 mins
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₱1,000 – ₱25,000 1 – 180 days 0.1% Monthly or End of term Only ID Card required All accepted Approve Bad credit
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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval
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₱1,000 – ₱25,000 3 – 6 months 0% for 7 days Monthly or End of term Only ID Card required 21 – 70 Receive money in 4 mins
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₱500 – ₱25,000 60 – 180 days 1.2% per month Monthly or End of term Only ID Card required 18 – 65 Receive money in 5 mins
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₱1,000 – ₱20,000 7 – 30 days 0% for first loan End of term Only ID Card required 21 – 70 Receive money in 5 mins
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₱500 – ₱20,000 7 – 180 days 0% for first loan End of term Only ID Card required 22 – 65 Easy loan approval

Summary of Kviku Loan PH

✅ Review ⭐ Kviku Loan PH
✅ Loan Amount ⭐ 500 – 25,000 PHP
Age Eligibility ⭐ 18 – 65 years old
Loan Term ⭐ 60 – 180 days
Interest Rate ⭐ 1.2% per month
Pros ⭐ Legit finance calculator, minimal complaints
Cons ⭐ No zero-interest option for first-time borrowers
Effectiveness Rating ⭐ Good
Bad Debt Allowed ⭐ Yes
Kviku App Download APK ⭐ https://kviku.ph/ or Link Here
Contact Number ⭐ 0912-847-59032
Kviku Harassment ⭐ Via phone or email
Registration Number ⭐ CS201918702


What is Kviku?

Kviku is a fully automated online lending service in the Philippines developed by Kviku Lending Co. INC. It operates 24/7, utilizing an automatic approval system based on customer profiles and credit histories. Borrowers can access amounts ranging from 500 to 25,000 pesos. First-time borrowers have the flexibility to repay over two months, while repeat borrowers can extend their loan term to six months.

Pros of Kviku Philippines

Kviku’s online loan app has aided thousands of customers in securing quick cash loans for various purposes. Some of its notable advantages include:

  • 100% online transactions, supporting loans for any purpose.
  • Simplified registration process requiring only one government-issued ID, with no need for proof of income.
  • Convenient registration at any time, including outside of regular office hours, weekends, and holidays.
  • Swift loan approval, with funds deposited directly into the borrower’s bank account.
  • Transparent fee structure with no hidden charges, allowing borrowers to know the exact amount to repay upon loan application.
  • Legal operation with a commitment to safeguarding borrowers’ personal information.

Cons of Kviku Loan App

However, Kviku Philippines also has its drawbacks, including:

  • Limited loan amounts, suitable primarily for small borrowing needs.
  • Short loan terms, with a maximum duration of 180 days.
  • Lack of support for student loans in the Philippines.

Kviku Loan Interest Rate

Kviku’s finance loans carry an average interest rate of about 0.16% per day. The specific interest rate applicable depends on the borrower’s personal profile, credit score, and the loan amount requested.

Example of Kviku Interest Rate Calculation

To illustrate, let’s say a customer applies for a Kviku online loan app in the Philippines for 10,000 pesos, with a two-month term and an interest rate of 0.16% per day. The Kviku loan calculator can determine the monthly payment as follows:

  • Principal amount payable in one month: 5,000 pesos
  • Monthly interest payment: 10,000 x 0.16% x 30 = 480 pesos
  • Total monthly repayment: 5,480 pesos

Kviku Loan Requirements

To apply for a loan at Kviku, you must meet the following conditions:

  • Be a Filipino citizen between 20 and 55 years old.
  • Possess a valid government-issued ID.
  • Maintain an active, unblocked phone number.

Kviku First Loan

For first-time Kviku borrowers, the application process involves providing all required personal information. Additionally, borrowers need to present at least one valid government-issued ID. Self-employed individuals or businesses can expedite their approval by providing documents such as payslips, ITR (Income Tax Return), COE (Certificate of Employment), or the company’s ID. Self-employed or corporate borrowers can also submit DTI (Department of Trade and Industry) documents for a higher and faster loan approval.

Kviku 2nd Loan

Repeat borrowers at Kviku Philippines can simply log in to their account, select the desired loan amount, and submit a loan application. The loan will be automatically approved.

Guide to Kviku Loan Application Step-by-Step

Applying for a Kviku loan is a straightforward process that involves the following steps:

Step #1: Choose the loan amount and duration by visiting the Kviku website and selecting your desired loan amount and installment period based on your needs.

Step #2: Fill in your personal information on Kviku’s application form, including full name, date of birth, gender, ID number, email, and phone number. Agree to the terms and conditions, then click “Continue.”

Step #3: Verify your phone number by entering the code sent via SMS. The system will confirm your loan and loan period.

Step #4: Provide your bank account information for the disbursement of funds.

Step #5: Wait for the disbursement, which typically takes 1-2 business days, depending on your bank.

Step #6: Monitor your loan and payment information by logging into your personal account on the web. Ensure timely repayment to avoid harassment from Kviku.

Kviku Loan Repayment

Kviku offers borrowers multiple repayment options, including:

Option 1: Pay by bank card through Kviku’s website by selecting the payment option and choosing Dragonpay to complete the transaction.

Option 2: Make a bank transfer to account number 100590307609 at UnionBank. Use the SWIFT code UBPHPHMM and include the account holder’s name, KVIKU LENDING CO INC, and the loan contract number in the transfer details.

Option 3: Pay in cash at designated payment centers such as GCash, Cebuana Lhuillier, LBC, Bayad Center, Robinsons, and more.

Option 4: Pay via GCash by selecting DragonLoans as the payment method.

Compare Kviku Loan App Philippines with Other Loan Apps

For a comprehensive understanding of Kviku’s offerings, let’s compare it to other loan apps available in the Philippines:

Comparative Criteria Kviku Crezu Digido
Loan Limits 500 – 25,000 pesos 1,000 – 25,000 pesos 500 – 30,000 pesos
Interest Rates 4.8% per month 1% – 3% per month 12% per month
Loan Term 2 – 6 months 2 – 4 months 3 – 6 months
Age Eligibility 20 – 55 years old 18 – 70 years old 21 – 70 years old
Application Time 5 minutes 5 minutes 5 minutes

Kviku Customer Service

Kviku Lending Co., INC. Address: 18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines. Contact Number for Kviku Complaints: 0912-847-59032

FAQs – Kviku Loan App in Philippines

Here are some frequently asked questions about Kviku loans:

Is Kviku legit?

Yes, Kviku is a legitimate online lending platform registered with the Securities and Exchange Commission (SEC) and fully compliant with Philippine legal regulations. Your personal information is also kept confidential.

How to pay Kviku loan?

Borrowers can repay Kviku loans using one of the following methods: bank card, bank transfer, cash payment at authorized centers, or via GCash.

How to pay Kviku using GCash?

To pay your Kviku loan with GCash, follow these steps:

  1. Go to GCash and select “Pay bills.”
  2. Choose “Dragonloans.”
  3. Enter the contract reference number, payment amount, phone number, and email.
  4. Confirm the payment information to complete the Kviku loan payment process.

Is Kviku SEC registered?

Yes, Kviku is officially registered with the Securities and Exchange Commission (SEC) under registration number CS201918702. It operates as a legal lending finance company in the Philippines, adhering to all relevant laws.


When you require online loans with moderate amounts, Kviku Loan App in the Philippines emerges as a reputable and efficient choice. It supports customers in swiftly addressing their financial needs with low interest rates and a streamlined application process. While it may not be suitable for substantial borrowing or long-term commitments, Kviku remains a trustworthy solution for quick cash needs. Remember to repay your loans on time to avoid any potential harassment from Kviku. Your financial journey begins here, and Kviku is ready to assist you along the way.

5/5 - (9 votes)

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