Kviku partner program
Refer borrowers to a fully SEC-licensed lender. Per-funded-loan payouts. Compliant by design. We are currently onboarding selected PH finance creators — get in touch to discuss the partnership.
Per-funded-loan payout
Compensation is tied to funded loans — not clicks or applications. Aligns incentives with quality referrals.
Compliant by design
SEC MC 19 s.2019 ad disclosure templates provided. BIR-compliant payouts. We handle the legal scaffolding.
Audience fit over reach
We look at engagement and audience quality, not raw follower counts. PH-specific finance audiences welcome.
Why creators talk to us
The big PH lending brands — Tala, Cashalo, Digido, Home Credit — either do not run a public affiliate program or pay only flat per-post amounts. That means a creator gets paid once, the brand keeps the recurring revenue, and there is no aligned incentive to send borrowers who actually fit the product.
Kviku flips this: compensation is tied to funded loans, which means the better your audience match, the more aligned the partnership. The structure works particularly well for finance TikTokers, OFW Facebook page admins, sari-sari business educators, and habal-habal community organizers — niches where one well-targeted post outperforms ten generic ones.
We do not publish rates publicly. Specific terms are discussed once we review your channel and audience fit.
Eligibility requirements
- ✓18 years or older
- ✓TIN (BIR Tax Identification Number) and valid government ID
- ✓Active GCash, Maya, or PH bank account for payouts
- ✓A public-facing channel with PH-based audience (any platform)
- ✓Three past sponsored or organic posts as reference
- ✓No history of SEC or NPC advisory against you
- ✓Willingness to display #Ad and Kviku CA# on every sponsored post
How to apply
Email partners@kviku.ph with the following:
- 1. Your channel URL(s) and primary platform
- 2. Audience profile: rough follower count, % PH-based, age skew, niche
- 3. 3 past posts (sponsored or organic) for reference
- 4. Your TIN and BIR registration type (for tax compliance)
- 5. Preferred payout: GCash, Maya, or bank
We respond within 2 business days. If approved, you receive a partner dashboard, sample compliant ad copy, and a custom tracking link.
Influencer / agency? Email us your portfolio.
We work directly with creators and with PH influencer agencies. For agency partnerships, email partners@kviku.ph with your roster and we will respond with terms.
Frequently asked questions
How does compensation work?+
Per-funded loan payouts. Specific terms are shared after we review your channel and audience fit and agree on the partnership scope. We do not publish rates publicly because they depend on the partnership.
How does the program comply with SEC rules?+
Every Kviku ad — including your sponsored posts — must display the company name, SEC Registration Number CS201918702, Certificate of Authority No. 3169, and indicative APR range. We provide compliant ad copy and review your content before posting. This is required by SEC MC 19 s.2019.
Is the compensation a per-click or per-loan payout?+
Per funded loan only. Per-click models can look like unlicensed brokering under SEC rules, which is why all serious PH lending affiliate programs (Tala, Cashalo, etc.) use the same per-funded-loan structure.
When and how do I get paid?+
Payment cadence and channel are agreed in the partnership terms. Expanded Withholding Tax (EWT) is handled per BIR Revenue Memorandum Circular 97-2021, with BIR Form 2307 issued for your tax records.
Do I have to disclose the partnership in my posts?+
Yes. Every sponsored post must include #Ad or "Paid Partnership" tagging per Ad Standards Council rules and the DTI Consumer Act material-connection doctrine. We provide the disclosure boilerplate.
What channels work best?+
TikTok finance creators, YouTube personal-finance channels, Facebook OFW communities, and Instagram lifestyle accounts with PH audiences. We do not require minimum follower counts; we look at engagement and audience quality, not raw reach.
What is not allowed?+
Guaranteed-approval claims, earnings claims for borrowers, fabricated testimonials, targeting minors, contact-list scraping, cold DMs to strangers, anything that violates the SEC, NPC, or BIR rules. Violations terminate the partnership immediately.
Can I do paid Reddit posts?+
Reddit-ad placements via the official Reddit Ads platform are allowed (and require Reddit's financial-products review). Manual posts in subreddits must be transparently disclosed as paid; sockpuppeting and astroturfing are not allowed and Reddit's detection eventually bans the domain.