Review of Kviku: Features, Loan Application, Customer Reviews, Hotline, and Support Service


Kviku is an online lending platform that revolutionizes the loan application process by providing quick, easy, and convenient access to short-term online loans. What sets Kviku apart is its fully automated system, eliminating the need for human operators. With a seamless online experience, borrowers can apply for loans without the hassle of extensive paperwork or visiting multiple banks.

In this review, CashLoanPH will explore the features, interest rates, requirements, rules of registration, and loan repayment methods offered by Kviku. Additionally, we will provide detailed instructions on how to apply for a microloan through the Kviku website,

About Kviku Loan App

Kviku Lending Co. INC established Kviku, an automated loan evaluation and payout service. Founded in 2013 and registered by the Securities and Exchange Commission (SEC) in 2020, Kviku is based in Makati City, Philippines.

With cutting-edge software capable of analyzing over 1800 data points based on customer information, Kviku provides efficient loan verification. Since its establishment, Kviku has received over 5 million loan applications and issued more than 1 million loans, totaling $70 million.

Pros and Cons

When considering Kviku as a loan provider, it is essential to evaluate the advantages and disadvantages associated with their services.


  1. Simple and fast application procedure: Kviku offers a user-friendly online application process, allowing borrowers to apply for loans quickly and easily.
  2. Fully automated system: From application to payout, Kviku operates entirely online, eliminating the need for manual interference. This automated approach streamlines the loan process.
  3. Loan calculator: Kviku provides a loan calculator on their website. By entering the loan amount and repayment time, borrowers can generate a detailed loan breakdown, ensuring transparency and avoiding any unexpected surprises.
  4. Personal information security: Kviku prioritizes the safety and confidentiality of customer information, employing robust security measures to protect personal data.


  1. Higher interest rates: Compared to traditional bank loans, Kviku’s interest rates can be higher, especially for larger loan amounts. Borrowers should consider this factor and assess the affordability of the loan.
  2. Delayed disbursements: Accessing the loan funds may take some time, depending on the borrower’s bank policies. It is important to be aware of potential delays when planning for immediate financial needs.

Loan Conditions

Kviku loans are specifically designed for Filipino residents aged between 20 and 55. Borrowers can apply for loans ranging from β‚±500 to β‚±25,000, with a daily interest rate of 0.16%. The repayment period for installment loans is set at 60 days.

To qualify for a Kviku loan, applicants must possess a valid government ID, an active mobile phone number, and a bank account. Although some of these requirements are optional, fulfilling them increases the chances of loan approval. Once the first loan is authorized, subsequent loans can be applied for without re-submitting paperwork. Repeat borrowers may be eligible for loan periods of up to 180 days.

Reloan Conditions

Kviku provides individual loan limits to each client, which can be increased if there are no outstanding payments from previous loans.

After successfully repaying a loan, Kviku may extend the available loan limit for borrowers at similar interest rates. This feature enables easy access to subsequent loans immediately after settling the previous one.

Funding a Loan

To apply for a Kviku loan, borrowers can initiate the process by filling out an online application form on the Kviku website. The form requires essential details such as name, date of birth, social security number, phone number, and email address.

For returning applicants, the system retains previously submitted information, simplifying the loan application process. Once the application is submitted, it undergoes prompt assessment, typically within one business day. Upon approval, borrowers receive an SMS with a code, which is used to authorize the transaction. The loan funds are then transferred to the borrower’s account within one hour.

FAQ: Kviku Loan App

What is Kviku?

Kviku is a well-known Fintech company operating in various countries, including Russia, Kazakhstan, Spain, Poland, and the Philippines. It specializes in providing immediate online credit solutions through its user-friendly online loan platform.

Who owns Kviku Loan App?

Nikita Lomakin is the founder and CEO of Kviku, leading the company’s vision and growth.

How do you qualify for Kviku?

To be eligible for a Kviku loan, applicants must be Filipino citizens aged between 20 and 55, possessing a valid government ID. Additionally, the applicant’s phone number should not be blocked, ensuring smooth communication throughout the loan process.

How much can you borrow from Kviku?

Kviku offers loan amounts ranging from β‚±500 to β‚±25,000, with an interest rate of 0.16% per day. The repayment term can vary between 60 and 180 days, depending on the borrower’s credit score and loan terms.

Is Kviku a legitimate company?

Yes, Kviku is a legitimate online loan marketplace. Kviku Lending Co. Inc. is registered with the Securities and Exchange Commission (SEC) and authorized to function as a lending institution in the Philippines. This ensures that borrowers can have confidence in the company’s operations.

In conclusion, Kviku provides an innovative online lending platform that offers quick and convenient access to short-term loans for Filipino residents. With its fully automated system, borrowers can apply for loans seamlessly, bypassing traditional paperwork and physical bank visits. While the interest rates may be higher compared to traditional bank loans, Kviku’s user-friendly platform, efficient loan evaluation process, and commitment to data security make it a viable option for individuals seeking immediate financial assistance.

By following the detailed instructions on the Kviku website, applicants can navigate the loan application process effortlessly. With a solid track record and millions of satisfied customers, Kviku establishes itself as a trustworthy and reliable online loan provider.

5/5 - (10 votes)
CashLoanPH Changed status to publish 17/06/2023
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