Philippine loan calculator
See your total cost and monthly payment before applying. Slide to compare different loan amounts and terms. Final terms are confirmed after credit assessment — this is an indicative estimate only.
Representative example. Actual interest and processing fee depend on credit assessment and are disclosed in the loan agreement before signing. Subject to caps under BSP MC 1133 s.2021 and SEC MC 18 s.2019.
How to use this calculator
Pick a loan amount between ₱2,000 and ₱25,000, then choose a repayment term from 15 to 135 days. The calculator shows your estimated monthly payment, total payable, and interest. These are indicative numbers — your real offer is generated after credit assessment.
What is included in the total cost
The total payable includes base interest and processing fees. Under BSP Circular 1133 s.2021, interest and fees on online loans are subject to regulatory caps — the exact cost of your loan is always disclosed in the loan agreement before you sign.
Compare to bank loans
Traditional Philippine banks require employment certificates, collateral, or credit history, and approval takes days or weeks. Kviku offers approval in 5 minutes with one valid ID — that's the trade-off of unsecured short-term lending. For larger or longer-term needs, a traditional bank loan is usually cheaper. Always read the disclosure before signing.
Frequently asked questions
Is this the actual rate I will be offered?
No — this is an indicative estimate. Your real offer depends on your credit assessment, which Kviku performs in under 5 minutes after you submit the application.
Can I repay early?
Yes — early repayment reduces interest charges. Contact Kviku support to settle your loan early via GCash, Maya, or any bank partner.
What if I miss a payment?
Late payment fees apply. We send a reminder 3 days before due date. If you cannot pay on time, contact support immediately — they can offer a restructured plan.
Why is the cost higher than a bank loan?
Short-term unsecured loans cost more because the lender takes on more risk and processes the loan in minutes, not weeks. For larger or longer-term needs, a traditional bank loan is usually cheaper.