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

Provider contacts

Name
Kviku Lending Co. Inc.
Address
Pasig City, Metro Manila, Philippines
Reg. number
SEC Certificate of Authority
Website
Online application
Apply now →
Regulator
Bangko Sentral ng Pilipinas (BSP)

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.