You can receive a loan directly to your bank account. To do this, you need to install the app, provide your personal and contact information, and the bank account number to receive the funds. The loan approval process takes no more than 3 minutes. Everything is done online — no queues, no paperwork. To apply for a loan, you only need a valid government-issued ID, a mobile phone, and a bank account.

By installing the Kviku – online loans app, you can:
• Instantly apply for a loan anytime and anywhere in the Philippines;
• Make loan payments online through the app;
• Track your loan terms, repayment schedule, and history;
• Access all your contracts and loan details in one place.

Who can apply for a loan?
• A citizen of the Philippines aged 20 to 55 years;
• No income certificate, guarantor, or collateral is required;
• You can be self-employed or work informally – stable employment is not mandatory.

Loan terms
Loan amount: up to PHP 50,000
Loan term: from 61 to 180 days
Daily interest rate: from 0% to 2%
Maximum annual interest rate: 730%

An example of how to calculate the loan interest rate
Interest per day: 5,000 / 100 * 2 = PHP 100
Total interest over 135 days: PHP 9,906
Amount to repay: PHP 5,000 + PHP 9,906 = PHP 14,906

Kviku Lending Co., Inc. is a licensed lending company registered with the Philippine SEC under reg. no. CS201918702 and Certificate of Authority No. 3169. All information is available on the official website: www.kviku.ph

Kviku – online loans via mobile app: a fast and secure solution for your urgent financial needs. Available 24/7.