Indicative fees — see the cost before you apply
Slide to see an indicative cost for any amount and term. Final pricing is confirmed at credit assessment and is fully disclosed in the loan agreement before you sign — every fee, every peso, on one screen.
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 (6% nominal interest/month, 15% effective monthly interest rate, 100% total cost of credit) and SEC MC 19 s.2019 disclosure rules.
No hidden fees, ever
Every peso you pay is on this page or in your loan agreement. We don\'t charge for any of the following:
Account opening
Free. No fee for creating a Kviku account.
Credit assessment
Free. Whether approved or denied, the check costs you nothing.
Disbursement
Free. We pay the GCash, Maya, or bank transfer fee, not you.
Early repayment
Free + saves you interest. The more you repay early, the less interest accrues.
Customer support
Free. Email and chat included.
SMS reminders
Free. We pay the SMS gateway.
Statement requests
Free. PDF statement on demand at any time.
Restructuring requests
Free to request. Approval depends on circumstances.
Penalties for late payment
Late payment fees are capped by BSP regulation at 5% per month of the overdue amount. We follow this cap exactly — no compounded daily penalties, no escalating multipliers, no extra "service fees" tacked on at delinquency. If you cannot pay on time, reach out before the due date and restructuring is available without additional fees.
Ready to apply with full pricing in hand?
Up to ₱25,000 · 5-minute decision · SEC CA No. 3169
Apply now →