KVIKU Loan Review Philippines: App Legit? Online Login? Harassment?

If you are looking for a quick and easy way to get a loan in the Philippines, you might have heard of the Kviku loan review. But is this loan app legit? Does it have a high interest rate? How do you register, repay, and avoid harassment?

In this Kviku loan app review, CDNDongKhoi.edu.vn will answer these questions and more.

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Summary of Kviku Loan Review

✅ Kviku Loan	⭐ Review
✅ Loan limit	⭐ ₱1,000 – ₱25,000
✅ Interest rate	⭐ 0.16%/day
✅ Term	⭐ up to 180 days
✅ Age	⭐ 20 – 55 years old
✅ Area applied	⭐ Nationwide Philippines
✅ Advantage	⭐ Legit finance
✅ Guide to register	⭐ Kviku login
✅ Owner	⭐ Kviku Lending Co Inc.
✅ Loan app download APK	⭐ Here
✅ Avoid Harassment	⭐ Make payment on time
✅ Level of efficiency rating	⭐ Good
✅ Contact number	⭐ +632 8877-8888

What is Kviku Group?

Kviku Group is a global online bank that provides instant lending solutions to customers all over the world, including the Philippines. The Group offers various products such as virtual credit cards, buy now pay later loans, and installment loans. Kviku Holding Ltd. is the parent company of the Group, whose official website is kviku.com.

Kviku Finance is part of the Group and is a platform that allows investors to invest in consumer loans and earn attractive returns.

What is Kviku Loan?

Kviku Loan is an online platform that offers quick and easy cash loans for any purpose in the Philippines. You can apply for up to ₱25,000 for up to 180 days and get approved in as little as 24 hours. All you need is a valid government ID, a working cell phone, and a bank account. This loan has minimal interest rates and no hidden fees. You can repay your loan online using your payment card or bank transfer.

Pros of Kviku loan

Here are some of the pros of Kviku online loan that make it a great choice for borrowers:

• Can apply online anytime, anywhere, without having to visit a branch or submit a lot of documents. All you need is a valid government ID, a mobile phone number, and a bank account.
• Approve as fast as 15 minutes, and receive the money in your bank account or e-wallet within 24 hours.
• No hidden fees or penalties for early repayment.
• The high level of security and privacy as it uses advanced encryption and verification technologies to protect your data and transactions.
• Friendly and professional customer service, as it is available 24/7 via phone, email, or chat.

Cons of Kviku loan app

Here are some disadvantages of Kviku loan in the Philippines that you should know:

• A short repayment term of 180 days, might not be enough for some borrowers to pay back their loans.
• The loan amount is not too high, and may not be enough to cover your needs.
• Not support bad debt lending.

Kviku loan app Requirements

To apply for a Kviku loan, you will need to meet the following conditions:

• Be a Filipino citizen, aged 20 to 55 years old.
• Have a valid government ID.
• Have an active phone number that can receive and send messages.
• Have a bank account where the loan will be deposited.
• To increase your chances of getting approved and getting a higher loan amount, you can also provide additional documents, such as Payslip, ITR, or COE (if you are employed), or DTI (if you are self-employed or have a business).
• For your second loan at Kviku, you don’t need to provide any additional information or documents. The loan approval will be instant.

Kviku online Loan interest rate

Kviku Philippines has a quite low interest rate of 0.16% per day, which is lower than some other online lenders.

Kviku also has a special offer for new customers who can get their first loan with 0% interest rate for 14 days and a maximum loan amount of ₱5,000.

Example of Kviku loan calculator

Let’s say you need 10,000 pesos for an urgent expense and you want to repay it in 180 days. The interest rate on a Kviku loan app Philippines is 0.16% per day.

• Total interest on your loan in 1 month: 16 x 30 = 480 pesos.
• Total monthly payment: (10,000 / 6) + 480 = 2,147 pesos.

Besides, you can use the online calculator on their website to see how much you can borrow and what your monthly payments will be.

Guide to register Kviku Loan App step-by-step

To apply for a Kviku loan, you need to follow these steps:

Step 1: Choose the amount and term

Choose your loan amount and repayment period on the Kviku online bank via this link: 

KVIKU Website

The loan calculator shows how much you will pay in total.

Step 2: Fill out the application

Fill in your personal information, such as your name, gender, date of birth, email address, SSS number, and phone number.

Step 3: Confirmation number

Confirm your phone number by entering the verification code that the system will send you via SMS. This is to verify your identity and prevent fraud.

Step 4: Transfer money

Enter your bank account details where you want to receive the money. The company will process your application and transfer the funds to your account within 15 minutes.

Step 5: Track loan information

Check your loan information on the website or app. You can see your loan balance, repayment schedule, and interest rate. You can also contact customer service if you have any questions or issues.

To learn more about Kviku Philippines and how to apply for a loan, you can watch this video below:

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Kviku Loan Review and Feedback

This is my Kviku loan review after using their service for a month. I applied for a loan of 10,000 pesos to pay for my daughter’s tuition fee. The loan term was 30 days with a daily interest rate of 0.16%.

The application process was fast and easy. I just filled out an online form and got approved in 15 minutes. The money was transferred to my bank account within an hour.

I was able to repay the loan on time using their convenient payment channels. I did not encounter any problems or hidden fees during the repayment period. The customer service was also very helpful and responsive whenever I had questions or concerns.

You can see some feedback pictures of happy customers below who also shared their positive experiences with this loan.

How to make Kviku Loan Repayment

Here are 3 ways to make your Kviku payment in the Philippines:

• E-wallets: You can use Gcash, PayMaya, or Coins.ph to pay your loan. Just log in to your e-wallet app and choose Kviku as the biller. Enter your lifetime ID and the amount you want to pay. Confirm the transaction and wait for the confirmation message.
• Over the counter: You can also pay the loan at any 7-Eleven, Cebuana Lhuillier, M Lhuillier, or Bayad Center branch. Just present your lifetime ID and the amount you want to pay. Get a receipt and keep it as proof of payment.
• Banks: You can also pay your loan through bank deposit or online banking. You will need the following details: Bank: UnionBank, Swift: UBPHPHMM, Account Number: 100590307609, Account Name: Kviku Lending Co Inc. Don’t forget to indicate your lifetime ID as the reference number.

Remember to pay your loan on time to avoid late fees and harassment.

Compare Kviku Philippines to other online Loan Apps

Criteria	Kviku	Credify	OKPeso
Max amount	₱1,000 – ₱25,000	₱1,000 – ₱25,000	₱2,000 – ₱20,000
Term	up to 180 days	90 – 360 days	96 – 365 days
Age	20 – 55 years old	20 – 70 years old	18 – 49 years old
Interest rate	0.16%/day	up to 15%/month	24%/year
Approval rate	85%	85%	80%
General assessment	Good	Good	Middling

Source: Annual report of State Bank.

Kviku contact number

If you have any complaints or need support about your loan, you can contact their customer service through these channels:

• Kviku Lending Co Inc.
• Address: 18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines.
• Hotline: +632 8877-8888
• Email: support@kviku.ph
• Website: kviku.ph
• Facebook: facebook.com/KvikuBankPH

Read more:

• Soscredit
• Digido
• Crezu Loan
• Skyro Loan
• OKPeso

FAQs – Kviku Loan review in the Philippines

To answer other common questions about Kviku Loan, you can check out the answers below.

Is Kviku loan legit?

The answer is yes. Kviku Loan is a legitimate online lending platform in the Philippines. The company is registered with the SEC under Registration No. CS201918702. It also has a Certificate of Authority No. 3169 from the SEC to operate as a financing company. This company is also registered NPC under Registration No. PIC-001-791-2021, which means it complies with the Data Privacy Act of 2012.

How to pay Kviku using GCash?

1. Open your GCash app and select Pay Bills.
2. Choose Loans as the biller category and select DragonLoans as the biller name.
3. Enter your Lifetime ID, which you can find in your Kviku account, as the account number.
4. Enter the amount you want to pay and confirm the transaction.
5. You will receive a confirmation message from GCash and the company once the payment is successful.

Is Kviku SEC registered?

The answer is Yes, Kviku is a duly registered corporation with the Securities and Exchange Commission (SEC) of the Philippines. Their SEC Registration No. is CS201918702, which you can verify on the SEC website.

How to cancel Kviku loan?

You have two options depending on the status of your application. If you have not confirmed the contract yet, you can simply send an email to support@kviku.ph and request to cancel your application. However, if you have already confirmed the contract, the money will be transferred to your account immediately. In this case, you cannot cancel your application, but you can repay the loan early with minimal interest. To find out how much you need to pay, you can contact the Kviku Philippines customer service line or check your Profile on their website.

Conclusion

Kviku Loan Review Philippines shows that the app has a high approval rate, a quite low interest rate of 0.16% per day, and a simple and secure registration process.

We hope you found this article helpful and informative. If you have any questions or concerns, feel free to leave a comment below and we will try to answer them as soon as possible.

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