About Kviku Loan
kvikuloan.ph is a co-branded online lending front-end for Kviku Lending Co., INC. — an SEC-licensed Philippine lender operating since 2019. Below: who runs what, where to verify everything, and why we are the only PH lender publishing a written collection code, a complaint SLA, and a full fee calculator.
We verify SEC Certificate of Authority numbers, BSP Circular 1133 s.2021 rate-cap compliance, and SEC MC 19 s.2019 disclosure requirements for every lender mentioned. Operated by Virix Labs as a disclosed Marketing and Technology Service Provider for Kviku Lending Co., INC.
Who operates this site
kvikuloan.ph is operated by Virix Labs (UK Co. No. 16325097) as a disclosed Marketing and Technology Service Provider for Kviku Lending Co., INC. Loan applications, credit decisions, terms, disbursements, and collections are all made solely by Kviku. Virix operates the website, the application wizard, attribution and analytics layer, and the partner program — none of the lending itself.
This split is unusual in the PH lending market. It exists because Kviku focuses on the lending mechanics (credit scoring, risk pricing, regulatory reporting) while Virix focuses on borrower experience (how the site works, how the forms feel, how questions get answered). Both halves are required for an honest product.
Who is Kviku Lending Co., INC.
Kviku Lending Co., INC. is a Philippine-incorporated lending company registered with the Securities and Exchange Commission of the Philippines in 2019 under Registration Number CS201918702 and holding Certificate of Authority Number 3169.
The corporate facts are:
- Legal name: Kviku Lending Co., INC.
- SEC Registration Number: CS201918702
- Certificate of Authority: No. 3169
- NPC Registration: PIC-001-791-2021
- Established: 2019
- Address: 18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village, Makati City
- Hotline: +63 332 234 9637 (Mon–Sat, 9 AM – 6 PM PHT)
- Support: support@kviku.ph
How to verify everything on this page
- SEC Registration: Visit checkwithsec.sec.gov.ph and search "Kviku Lending Co". The result should show Registration CS201918702 and CA No. 3169 with Active status.
- Certificate of Authority: Cross-checked at ploan.ph/register/3169 (third-party SEC mirror).
- BSP rate-cap compliance: Loan rates are bounded by BSP MC 1133 s.2021 — the official text.
- NPC compliance: Reference privacy.gov.ph and NPC Circular 2022-02 for the loan-transactions privacy rules we follow.
Why we publish what we publish
Three policies on this site exist mostly because the broader PH online lending market has earned a reputation for the opposite. Borrowers complain — often with photographic evidence — about hidden fees, contact-list calls to family members, and rate calculations only revealed after signing. Some of those complaints are about scam clone apps; many are about licensed lenders bending the rules.
We have responded with three pages that any borrower can read before applying:
- /our-fees: every peso of cost shown for any combination of amount and term. Slider in, total out.
- /how-we-collect: our written collection policy. Contact only 8 AM – 9 PM. No contact-list calls. AI calls disclosed.
- /complaint-resolution: 48-hour investigation SLA, named ombudsman email, parallel escalation paths to SEC, NPC, BSP.
None of this is a marketing slogan. They are operational documents binding on us and on any partner agent.
Editorial standards
Our content standards — what we publish, who reviews it, when we update — are at /about/editorial-policy. Our full regulatory compliance breakdown is at /about/compliance.