Zuki Loan App Review: by SB Finance

Zuki Loan App Review: by SB Finance

What is Zuki?

The Zuki app is a simple and easy to use loan application for the Philippines. It is designed for anyone who needs a loan and does not want to go through the hassles of the loan application process. The Zuki app is a one-stop shop for people who need a loan.

Furthermore, Zuki is a new loan app from SB Finance Philippines that allows Filipinos to get loans they deserve. The company started as a business loan company but has expanded to include personal loans, payday loans, easy loans, and more.

Who is SB Finance?

SB Finance Philippines is a partnership between Security Bank Corporation (SB) and the Bank of Ayudhya (Krungsri) of Thailand. It is a joint venture between SB and Krungsri to offer a variety of investing opportunities. SB Finance is also a fintech company that offers its customers a trustworthy, reliable, and efficient way to manage their personal finances.

Zuki loan app, how does it work?

Zuki’s platform is as simple as it gets. All you need to do is register and fill out a simple loan application. Once you are approved, you will receive your loan. This makes it easy to apply for a loan. You can access your account anytime, regardless of location. The app is available in English and Filipino.

Loan interest rate

The interest rates of Zuki loan can go up to 1.89% a month – this number is considered to be relatively average if compared to traditional bank loans.

How much does Zuki loans?

Zuki loans is a loan service that allows Filipinos to borrow from ₱200,001 to ₱2 million. It also has a fixed time period – up to 36 months. One of the most appealing features of this service is that the amount you can borrow is dependent on your creditworthiness.

Is the Zuki loan app legit?

Zuki loans is a legit loan company that has been around for years now, has an outstanding credit rating, and is registered with the Securities and Exchange Commission. As of today, there are over 300,000 Zuki Loan users.

How long does it take for the money to arrive?

When you apply for a loan, you are likely to need to know how long it will take for your loan to be approved and for the money to arrive in your account. Zuki loans is a company that provides short-term loans. They have a loan product which can be approved within a day and most of the money will arrive in your account within 3 to 5 banking days.

Zuki app loan benefits

Zuki loans is an app that allows Filipinos to pay off their bills on time by avoiding late fees, interest, and penalties. Although not the first app to offer this service, Zuki loans offers Filipino families an option to manage their bills. And when the user's loan period is up, they receive a notification and they can choose to continue paying their loan or to end their loan early with a flexible payment plan.

How to apply for a Zuki loan?

To apply for a Zuki loan, you need to download the app from Google PlayStore. Once you have downloaded the app, you’ll need to sign-up or sign-in with your personal details, which include your name, address and phone number.

Once done, you can now choose to the available loan products and tap the loan you prefer. Usually the approval can take 5 minutes depending on the documents you can provide. From your dashboard, you can also view your application status.


According to SB Finance, to get a Zuki loan, you need the following:

  • Completely filled out application form

  • One valid government-issued ID with photo

  • Latest one-month pay slip

  • Certificate of Employment and Compensation (at least issued within the last six months)

  • Latest Income Tax Return (ITR)

How to pay for the Zuki loan?

You can directly pay your Zuki loan through the app. Just go to the dashboard and go from there. You may also pay through online banking transfers, over the counter, e-wallets, and 7-eleven CLIQQ.

What happens if I can’t pay?

If you can’t pay, there’s a high possibility that your credit score will be affected or you won’t be able to get another Zuki Loan from SB Finance. Moreover, they may charge you late payment fees.

Zuki App

Zuki loans are a form of financial assistance and they are being offered by SB Finance. The Zuki app allows Filipinos to manage their Zuki loans by giving them easy access to their account, and it allows them to pay back their loan with ease. The app also allows users to pay their loan, view their loan details, and even apply for a loan.

Contact number

If you want to reach SB Finance through their contact number, just dial (+632) 8887-9188 or (+632) 8539-4006.

Email address

You may also reach them through zuki@sbfinance.com.ph for any inquiries or question in regards to your loan.


The address of SB Finance is Keyland Arnaiz, 849 Antonio Arnaiz Avenue, Legazpi Village, Makati City, 1220, Philippines.

Zuki loan, reviews

Zuki loans are a new service that allows Filipinos to make guaranteed payments on their bills and borrow money to buy things they need in an easy and convenient way. The company has partnered with other service providers in the Philippines, such as loan and credit card providers, to make the service possible.

People likes Zuki loan because it is a more affordable way to borrow money. It's not just for the poor; anyone can loan or borrow money on Zuki. Users can borrow for anything from a new phone or laptop to a new job.

Have you used the Zuki loan app? Share your experience here.
Daryll Louie Lafuente

Hoping my loan to be approved. It will be of great help to my family, especially we are victims of flash flood incidences here in Surigao del sur.


I'm still waiting for my loan approval although its already in the processing status, but I don't know if it is approve but so far it is a recommendable loan app

Fatima Grace Bagolor

Waiting for my application to be approved, it could be a big help for my family

Albert Abad Jr

Selfie and ID does not match always. Its almost impossible to do it. I tried 5 IDs and 5 selfies

Bernard Pillos

Zuki sb finance is a partnership of security Bank Corp and sb and the bank of ayudha kungsfri of Thailand it is a joint venture between sb and kongsri to offer the variety of investing opportunities

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This article was updated on 9 september 2022