Philippines loan app review
Kviku Loan App Review
Kviku
· Online LoansKviku Lending Co. Inc.
What We Could Verify
- Repayment period: 15 to 135 days
- Daily interest rate: 0% to 2%
- Maximum annual interest rate: 730%
Borrower Attention
No clear current regulatory match found
What this means: The provider's current regulatory status could not be independently confirmed from this source.
Check Your Offer Cost
Review Insights from Google Play
Recent Topics
Cash disbursement and transfer status
What reviewers discussedTwo reviews described funds being disbursed before the reviewer believed they had consented to the transfer.
SCAM! 😡 ang 1k utang naging ₱2,246 lahat. automatic disbursed the money without showing kung ilan ang interest 😡 mababayaran tapos meron pang 3rd party na kapag nag bayad ka may additional na 1-19.9%😡 kaluka! na Patong ang 982.02 naging 1113. plus 20…
Google Play review | 2026-08-15
What this may meanKeep the final offer and transfer reference until the destination account shows the funds.
Support response when a transaction needs help
What reviewers discussedTwo reviews described difficulty obtaining a response or resolution after contacting support about a loan-related problem.
Worst loan app ever! Sobrang laki ng hidden fees at interest na hindi mo aakalaing aabot sa ganoong kalaki. Wala ring kwenta ang customer service dahil walang sumasagot kapag gusto mo nang mag-inquire o mag-reklamo. Sobrang hassle at nakaka-stress gamitin.…
Google Play review | 2026-08-18
What this may meanRecord the transaction reference and available escalation route before relying on support for a time-sensitive loan issue.
FAQ
Magkano ang maximum loan amount na naka-publish para sa Kviku?
Ang current maximum sa public information ay PHP 25,000. I-check ang actual approved amount sa final offer bago tumanggap.
Sino ang puwedeng mag-apply at anong ID ang kailangan sa Kviku?
Kasama sa disclosed requirements ang pagiging Philippine citizen at pagkakaroon ng valid government ID. May iba pang checks at individual pa rin ang approval.
What eligibility requirements does Kviku disclose?
The cited provider sources require Philippine citizenship, employment or self-employment, a valid government ID. Approval and any additional checks remain individual.
How do I see the cost before applying?
Use the calculator on this page — enter amount and term, see total payable and total interest instantly. Or use /loan-calculator for the same calculator with a clearer breakdown.
What loan amount does Kviku disclose?
The cited provider disclosure lists a loan amount range of ₱61 to ₱180. The amount available to an individual borrower may differ in the final offer.
What repayment term does Kviku disclose?
The cited provider disclosure lists a repayment term of 15–135 days. Check the exact schedule and due date in the final offer.
What if the app charges fees before the loan is disbursed?
Charging "processing fees" or "release fees" upfront before disbursement is a strong red flag. SEC MC 19 s.2019 requires all fees to be disclosed in the loan agreement and deducted from the disbursement, not collected separately before approval.
Are there processing fees or hidden charges?
Kviku charges no processing fee, no service fee, no insurance fee, and no early-repayment penalty. The only cost is interest based on the daily rate × principal × days outstanding.
Can I repay early?
Yes — early repayment reduces interest charges. Contact Kviku support to settle your loan early via GCash, Maya, or any bank partner.