Reviews
Online Loan Apps Updated: 14. 04. 2026

Kviku Philippines – review 2026

3,9 / 5

Kviku Philippines is an SEC-registered digital lender that provides cash loans from PHP 500 to PHP 25,000 with monthly rates from 9.90% to 11.90%, using automated credit assessment to issue decisions within 5 to 15 minutes. The platform accepts applicants with no prior credit history and is among the few lenders with an 18-year minimum age threshold. Loan disbursement is made to a GCash wallet or bank account upon approval.

Pros

  • Minimum age 18 years, accessible to young borrowers
  • Ultra-fast approval in 5-15 minutes
  • No prior credit history required
  • Small loan amounts from PHP 500
  • SEC-registered lender

Cons

  • Monthly rates of 9.90%-11.90% are high
  • Maximum loan PHP 25,000
  • Short terms up to 6 months
  • Penalty for late payment can escalate quickly
  • App-only – no web browser application

Requirements

  • Filipino citizen aged 18-70
  • Valid government-issued ID
  • Active Philippine mobile number
  • GCash wallet or bank account
  • Selfie for KYC verification

Company information

Name
Kviku Lending Co. Inc.
Address
Pasig City, Metro Manila, Philippines
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.