Kviku Loan App Review - Repayment, Complaints and More!

Kviku Loan App Review - Repayment, Complaints and More!

What is Kviku?

Kviku is an online lending platform that offers quick, easy, and convenient access to short-term loans. Through its fully automated Kviku online loan service, Filipinos can borrow small loans fast in times of emergency. Borrowers can apply for a loan without having to go through a lot of paperwork or spend time visiting different banks.

Kviku offers borrowers the chance to pay their loan back in installments, which makes it easier for them to manage their finances. Kviku Philippines users can apply for a loan, get approved, and have the money deposited into their bank account all within minutes. Loan applications are done and processed through their website.

Kviku loan, how does it work?

The Kviku loan application process is easy. You just need to go to kviku.ph and choose the desired loan amount and loan term. This will initiate the loan application. You have to complete the online application form, snap a photo of yourself, and upload your documents in the platform.

As Kviku’s entire operation is automated, there’s no human intervention when it comes to evaluating the application. Kviku uses an enhanced software that can analyze over 1,800 customer data points from the information you’ve provide on the form. This makes the assessment more objective.

Moreover, loans are granted promptly, even on weekends, holidays, and non-working days. You can get your loan approved within 24 hours. Once Kviku approves your loan, you will receive an SMS with a decision on your application in a few minutes. Your funds will be transferred to your bank account within an hour.

How much does Kviku loans?

Kviku offers loan amounts anywhere from P500 to a maximum of P25,000. With Kviku, the loan can be paid in installments to make it much easier to manage. If you’re a first-time borrower, you have the option of paying your loan for a maximum of 60 days. For repeat borrowers, the loan term can be extended to 180 days if you have good credit standing.

Interes rates

Kviku users can find an attractive interest rate for their loan with a 0.16% per day.

Is Kviku legit? Is it SEC registered?

Yes. The Kviku online lending platform is legit. It’s operated by Kviku Lending Co. Inc., which was registered with the Securities and Exchange Commission (SEC) on January 9, 2020. The company is authorized to operate as a lending company in the Philippines.

How long does it take to have the money?

Once your Kviku loan application is approved, it typically takes 24 hours for the money to be transferred to your bank account. This can vary depending on your bank, but it shouldn’t take more than 48 hours to receive the money.


There are many benefits to taking a loan from Kviku online loan app. Perhaps the biggest benefit is that you can get the money you need quickly and easily. You can usually apply for a loan online and receive a decision within minutes. This means you can get the money you need when you need it the most.

Another benefit is that Kviku offers competitive interest rates. This means you can get a loan at a lower interest rate than what you would receive from a traditional bank or lender. This can save you money in the long run.

Additionally, Kviku offers a variety of loan terms. This means you can find a loan that fits your needs and budget. With Kviku, you are given the option to apply for a small loan that you can repay conveniently for an extended period of time.

How to apply for a loan?

Applying for a loan using the Kviku app takes only three steps:

  1. Go to kviku.ph and fill out a loan application form.
    • You will be asked to provide your name, date of birth, SSS number, email address, and mobile phone number.
  2. Wait for the approval.
    • After you have submitted the necessary information, you will be notified through SMS if your application is approved or denied.
  3. Receive your money.
    • After signing the contract, the approved cash is sent promptly.

The time it takes to complete the transaction is determined by your bank, however, it normally takes 1 to 2 working days. You can also receive the money from Kviku’s authorized channels such as Cebuana Cash Pick-up and GCash.


The requirements for a Kviku loan application:

  • You must be a Filipino citizen, 20-55 years old.

  • You must have a valid Government ID.

  • You must have a valid mobile phone number.

Optional documents that can help speed up the loan application process:

  • Certificate of Employment

  • Payslip

  • ITR

  • Company ID

  • DTI (if business owner or self-employed)

Kviku loan repayment? How do I pay?

After you confirm the contract, Kviku sends the money to you in a matter of seconds. Receiving banks, on the other hand, may take a little time to process the payments. You can expect to receive the fund within business hours, which are Monday through Friday from 8:00 a.m. to 4:00 p.m.

In the event that your application is approved after working hours (e.g., late at night), you will be able to receive your money the next morning. If you were approved over the weekend, you won't get your money until Monday morning.

Where do I pay my Kviku loan?

You can pay your Kviku loan repayment through bank deposit or bank transfer to Kviku’s account:

  • Go to your Profile and click the “Pay Button” to generate the bank details.
  • You can make your payment at the nearest bank branch or through mobile banking.

What happens if I can't pay?

Once you have received your money, you will have up to a maximum of 60 days to repay your loan if you’re a first-time borrower. You can repay your loan through the Kviku app or by bank transfer.

Payments made through bank transfers may take anywhere from 1 to 5 days, depending on the bank. To avoid being tagged as late payment,

If you do not repay your loan within the agreed time, you may be charged with late payment fee and interests. You can also expect repeated reminders from Kviku. If you default on your payment, the company may resort to legal means.

Kviku loan app

The Kviku loan app is a browser-based lending platform. There’s no need to download the app. You simply have to go to the Kviku log in page and apply for a loan. The application and processing all happen on the app when access the Kviku sign in page.

Kviku Philippines contact number

Kviku’s contact number is not disclosed on the website, but you can reach them through their e-mail at support@kviku.ph.

Kviku complaints

Kviku customers complain about their high interest rates  and lack of customer service. Some borrowers also complained about being automatically denied on their loan application even when they’ve submitted the basic requirements.

Kviku loan review

Kviku Philippines review on Google My Business is largely negative with an average rating of 1.3 stars. Most of the Kviku reviews we’re about high interest rates and being rejected for loan application almost automatically. There are also complaints about being charged even when the application didn’t push through. The difficulty in contacting Kviku is also a concern that users complain about.

Have you used Kviku loans? Share your experience here!

Puryagaba nga lending app!! My loan is 3k at ang dapat na isauli ko is 5,050.35 before due date. But everytime na mag che-check ako sa account ko tumataas ang bill ko. Ngayon almost 6k na ang bill ko and take note 2 days from now pa ang due date ko ha.


If first time borrower you'll approved of P500 only within 7 days repayment, the first was okay. So I thought this lending company is trustworthy. In my 2nd loan when you accessed your acnt P3K loan is in the default and its loan term, meaning they're the ones that determined the loan amnt & loan term. No way to change the amnt & terms of payment. For 3K loan principal + the interest doubled. I emailed support I'll will repay early. Someone responded that I need to repay the the whole 9K whether I'll choose to repay early or follow the payment sched they themselves set. Sira ba sila?? Wala pa ngang 7 days term, it's a matter 4 days only fr the time the 3K was disbursed. Hindi ako papayag. Upon checking in my acnt last Thu, Dec 7, I'll pay the full amnt of P4883. 27, but as of today mind you Dec. 9 Sat, it increased to P4994. 65 means it's increasing by the day, what the heck!!! 😕

Yolanda Montemayor

Over over over over over sa interest grabe paid na ko pero naniningil parin saken every week paanu po ba ma stop ang paniningil neto???? need help

Franco Mantanona

GRABE DKO MALAMAN LAMAN KUNG BAKIT APPROVE TO SA SEC. OCT. 26, 2023 NAGLOAN AKO NG 3K. OCT. 27, Email ako sa KVIKU informing them na gusto ko nang bayaran ng full yung loan ko, pero wla akong natanggap na response from them. Oct. 29, 2023 I decided na magbayad ng 2198 pesos thinking na baka mag update ang system nila expecting na 1500 - 2000 pesos nlng ang remaining balance ko since d nman umabot ng 1 week yung loan ko. To my surprise, 42 days remaining till my next payment of 900+ pesos. And my outstanding balance is 6k+. Langyang buhay to kaya nga nag loan dahil na short sa pera. Nagpasalamat pako dhil nasolusyunan ko yung Problema ko pero ang ending pala ay gagaguhin ka lang ng wlanghiyang kviku nato!!!

Kimberly Rose Baer


Kimberly Rose R Baer



Very bad 500 paid in just days. Pay a little monthly on an average of 2k.

M Tirona

I just paid 1267k today as my 4th payment. I have a bill due every 15days and it's not stopping even paying after 2months. I only borrowed 3k. I checked the contract they sent me after they sent the money and realized they want me to pay 9x of this amount every 15days which will end by October only for the 3k thet sent me?? It's almost 10k in return including the fees. These are insane ----! We should report them! I have been so kind enough to even pay 4x of this for the last 2 months. They don't show how many installments will there be during the loan application. They will only send contract once payment is received! I have already paid too much! We should report this ----!


Very disgusting manipulating diabolical app..never try.

Vicky Luthgarda Batac Baoas

for a loan of 3 thousand you have to pay 9000, are they human?


Overly charge not transparent when it comea to loan approve you have no option or paying early. I got a loan of 3000 and paid it in days. But still i jave a balance of 6k plus. They should adjust your interest. No reccomended


I was approved for 3K but good thing i checked the contract and wonder that its too good to be true for them to give me 135 days to pay, only to find out that i need to pay up to 9K (Sept 2023). Are they even human?!


One of the worst,-------. Imagine ha loan was 5k then repayment was 11,320 for 2months.. -------


This is a ---- and a ----. 2% per day yung interest nila. For 135 days. 60% for a month. Bakit ito na approve sa SEC. paki ban naman ng lending na ito.


This app is beyond ridiculous. I will never ever get a loan from here. Approved for 3000 and had to pay 9000? What the hell!


This is a very very very disgusting loan app....I applied for 3000 loan and I am going to pay for it P 1040 for 12 months.....horrible COMPANY...it is a click bait

Ryan C. Garcia

High Interest Rate. Auto approved without discussing the full repayment options. They will just send contract for you to follow the scheduled payment. It's not even close to 0.16% interest currently they're at 2% a day. I received 3k loan but on the contract I need to pay 9k+ in total within 135 days. They wouldn't even let me pay in advance. If you will pay in advance they will still give you the 9k amount to be paid in full. What a scam.


I've been overly charged by KVIKU, my last loan was granted Nov 25, 2022 amounting to 5000 pesos, however I paid 8000 plus already and they were asking me to pay 1711.73 again on Feb 23, 2023!!! This is too much interest for 5000 in 2 months!


I got the loan

Neil Calma

This is a lender that is predatory and very dangerous. Don't ever use this app for loans as you will be caught with impossible and evil ---- interest rates. Please be warned this app has ---- and predatory lending algorithm.

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This article was updated on 15 april 2024