Is Kviku legit?
Kviku Lending Co., Inc is SEC registered, but the Kviku app is not on the SEC list by name. The SEC list dated Sep 29, 2026 records only its website, "kviku.ph". The company holds SEC Reg. No. CS201918702, CA No. 3169. Borrow through the recorded website, or ask the SEC whether the app is covered. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Only its website, "kviku.ph"; the app is not named | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Kviku Lending Co., Inc., CS201918702 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3169 (as printed by Kviku) | Google Play, updated Sep 26, 2026 |
| Price published | Yes: 0% to 2% a day; maximum annual rate 730%. | Google Play, updated Sep 26, 2026 |
| Loan amount and term | Up to ₱50,000, over 61 to 180 days | Google Play, updated Sep 26, 2026 |
| Google Play rating | 2.1 of 5 from 371 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 26, 2026 |
On ₱5,000 for 120 days, Kviku's published terms come to at most ₱12,000 in interest and fees: interest of 60% a month and an all-in cost of 76.2% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Kviku on Google Play, updated Sep 26, 2026
Working: 2% a day × 120 days × ₱5,000 = ₱12,000 interest. The all-in rate is the monthly rate at which 4 payments of ₱4,250 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 60% a month against the 6% cap (above it); all-in 76.2% a month against the 12% cap (above it); total cost above the amount borrowed (above the 100% cap) (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: search the SEC list for the platform you use before you borrow.
Kviku interest rate and what you pay back
0% to 2% a day; maximum annual rate 730%.
- You pay back
- ₱5,000 to ₱17,000
- Cash you receive
- ₱5,000
- Interest and fees
- ₱0 to ₱12,000
- Interest a month, at most
- 60%
- All-in cost (EIR) a month, at most
- 76.2%
- Share of the loan
- 240%
Stated interest of 60% a month is above the 6% nominal cap.
Terms from Kviku's Google Play listing, updated Sep 26, 2026. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Kviku Disclosure Statement, worked out: ₱5,000 for 120 days
Kviku must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 2% a day × 120 days × ₱5,000 | Kviku's published maximum | ₱12,000 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱12,000 |
| Late penalty, at most | 5% × ₱10,000 due | SEC MC No. 14 s.2025 Sec. 3 | ₱500 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱12,000, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Kviku?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱11,700 less than Kviku's published maximum of ₱12,000.
Skip Kviku if
- you only borrow from apps the SEC list names: it records "kviku.ph" for this company, not the app.
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you have no regular income: it asks for "self-employed or informal work accepted".
- you weigh user ratings: it has 2.1 of 5 from 371 Google Play ratings.
Kviku requirements, customer service and how to pay
- Requirements
- Philippine citizen aged 20 to 55; Self-employed or informal work accepted
- In its words
No income certificate, guarantor, or collateral is required
- support@kviku.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- Online through the app
As Kviku lists them on its Google Play listing, updated Sep 26, 2026. Use only these channels or the app itself. Source
If you cannot pay Kviku on time
If all ₱10,000 of a ₱5,000, 120-day Kviku loan fell due unpaid, the penalty could be at most ₱500 a month, and interest, fees and penalties together could never pass ₱5,000. Kviku Lending Co., Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
If that fails, report Kviku Lending Co., Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
This page covers Kviku's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Kviku first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Kviku
Who owns Kviku?
Kviku Lending Co., Inc (SEC Reg. No. CS201918702), per the SEC list dated Sep 29, 2026.
What is Kviku's interest rate?
Kviku states (Kviku's Google Play listing, updated Sep 26, 2026): "0% to 2% a day; maximum annual rate 730%." On ₱5,000 for 120 days: interest of 60% a month and an all-in cost of 76.2% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Kviku?
Kviku lists (Kviku's Google Play listing, updated Sep 26, 2026): Philippine citizen aged 20 to 55; Self-employed or informal work accepted.
What is Kviku's customer service number or e-mail?
E-mail: support@kviku.ph. As listed by Kviku (Kviku's Google Play listing, updated Sep 26, 2026).
How do I pay my Kviku loan?
Kviku lists these channels (Kviku's Google Play listing, updated Sep 26, 2026): Online through the app. You should get a payment reference or receipt in the app; if none appears, the payment has not posted, so keep your proof of payment.
Does Kviku call your contacts?
Kviku Lending Co., Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with Kviku at support@kviku.ph, then the SEC on 14732.
Cheaper than Kviku for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.