Rates, terms, and requirements
To be eligible and apply for the Kviku loan, you must be a Filipino citizen, between 20 and 55 years old, and have a valid government-issued ID. Additional documents such as proof of income or employment certification are not mandatory but may significantly help increase your approved limit from the start. See the main conditions below:
✔️ amount: from PHP 1,000 to PHP 25,000
✔️ interest rate: approximately 0.16% per day
✔️ terms: up to 60 days for new customers; up to 180 days for returning customers
✔️ zero hidden costs: what you see in the simulation is what you pay.
Advice for you!
When applying for the Kviku loan, you will need to submit a photo. Kviku’s AI system requires clarity to validate your identity quickly, so make sure your photo follows the platform’s step-by-step recommendations to avoid delays in your application.
In addition, ensure that your mobile number is active and able to receive SMS, as this is how you will digitally sign the contract. Carefully read the entire agreement to make sure everything is clear, and if you have questions, contact the company’s human support team.
Another essential point: Kviku establishes individual limits. If the approved amount is lower than you initially expected, do not be discouraged. Pay this first loan on time, and you will see your limit and terms automatically increase in future applications. It is a credit ladder where each step achieved brings greater financial freedom.
However, we strongly recommend being fully aware when seeking credit to avoid over-indebtedness. Have a clear plan for how you will use the money before applying for the Kviku loan or any other loan available in the Philippine market.
How to apply for the Kviku loan?
To take the first step and apply for the Kviku loan, fill out the online form on the official website. You will receive a code via SMS to confirm the contract, and shortly after, the money will be sent to your bank account or chosen payout location. Click the button below to begin your financial journey with Kviku.
