Is Kviku SEC Registered? Status and CA Number

Contents

• The short answer: what we verified
• Registered, but invisible: the 403 paradox
• Three names around one app
• How to verify Kviku yourself
• What registration gives you (and what it does not)
• FAQ
• The bottom line
• Sources

Yes. Kviku is SEC registered. The lender is Kviku Lending Co., Inc., a lending company whose platform "kviku.ph" appears on the SEC's official list of recorded online lending platforms dated January 26, 2026. Certificate of Authority 3169 comes from a secondary source, and the lender's own website returns an error page, which makes this check stranger than most. Verified September 30, 2026.

The short answer: what we verified

The registry record and the website disagree about whether this lender is easy to check. Both facts are true at once, and the full Kviku loan app review explains what that means for your loan agreement.

Registered, but invisible: the 403 paradox

Most legitimacy checks start at the company's website. For Kviku that door is closed: kviku.ph answered every page with a 403 error on our check date, and the Wayback Machine holds no usable snapshots. What is open instead? The official platforms list. The SEC recorded "kviku.ph" under Kviku Lending Co., Inc., on the release dated January 26, 2026, issued under MC 19, series of 2019.

So the regulator's side of the ledger is in order. What the dead website takes away is the lender's own published terms: no rate sheet, no fee schedule, nothing to compare before you apply. Registration is real. Transparency is another matter, and the review shows what little pricing exists: one worked example, ₱10,000 over 90 days costing ₱7,200 (frontend rechecked October 26, 2026), which annualizes to about 292% on simple math.

The practical rule follows from the paradox. With a working site, you verify by reading. With a 403 site, you verify by the registry, by the regulator, and above all by the loan agreement placed in front of you before signing.

Three names around one app

Three entities cluster around this brand, and each plays a different role.

Kviku Lending Co., Inc. is the lender. It holds the SEC registration, and it is the name that must appear in your loan agreement. Behind it sits Kviku Holding Ltd, a Cyprus group, per kviku.com; the holding does not lend. In front of it operates kvikuloan.ph, a co-branded borrowing frontend run by Virix Labs, a UK company registered as Kviku's disclosed marketing and technology service provider. Credit decisions, disbursements, and collections stay "solely by Kviku", per the frontend's own text.

None of this is a red flag by itself. But the lender named in your agreement is the one that counts, so read that name before you sign anything.

How to verify Kviku yourself

Four checks, in order of strength.

1. Confirm the platform record. The January 26, 2026 list includes "kviku.ph" under Kviku Lending Co., Inc. That entry is the anchor of this whole check.
2. Request a CA confirmation. Ask Check With SEC about Kviku Lending Co., Inc., CA No. 3169.
3. Call the hotline. 1-4SEC answers registration questions directly.
4. Read the agreement's lender name. Whether you apply through kvikuloan.ph or anywhere else, the contract must name Kviku Lending Co., Inc. A different lender name is a stop sign.

One caution covers every source, ours included. CA numbers quoted outside the registry are self-reported leads until they match an SEC record.

What registration gives you (and what it does not)

What it gives you:

• A licensed lending company under RA 9474, with a platform the regulator records.
• Oversight and recourse: registration is exactly what the SEC suspends or revokes when lenders break the rules.
• A traceable chain from the app on your phone to the corporation on the list.

What it does not give you:

• Upfront pricing. No rate or fee size is published anywhere official.
• A working website. The 403 is part of this lender's record, checked September 30, 2026.
• Immunity from impostors. If the official domain is hard to reach, look-alike apps multiply; advisories through 2026 keep naming clones of registered brands.

Frequently asked questions

Is Kviku legit ba or scam?

Legit ba? By registry standards, yes: Kviku Lending Co., Inc. with "kviku.ph" recorded on the January 26, 2026 list. The caution is verifiability: the lender's site is offline, so the loan agreement is your only reliable price sheet.

Why is kviku.ph offline?

We do not know. Our check on September 30, 2026 found a 403 on every page and no archived copies. The registry record remains valid; the website's status is a separate question, and we re-check it each review update.

What is Kviku's CA number?

3169, per secondary sources, alongside registration number CS201918702. Lending-company certificates have no public desk-checkable registry, so confirm through Check With SEC or the 1-4SEC hotline.

Is kvikuloan.ph the official Kviku site?

No. It is a co-branded frontend operated by Virix Labs, the disclosed marketing and technology provider. The lender is Kviku Lending Co., Inc.; the agreement names the lender, not the frontend.

The bottom line for borrowers

Kviku is SEC registered, verified September 30, 2026: Kviku Lending Co., Inc., "kviku.ph" on the January 26, 2026 list, CS201918702 and CA 3169 per secondary records. The 403 website does not cancel the registry record. It just shifts the burden of checking onto your agreement.

For the pricing that record hides, read the Kviku loan app review, and see the whole verified market on the SEC registered lending apps list.

Sources used for this review

Checked against official sources on September 30, 2026.

• SEC recorded online lending platforms list, January 26, 2026 release, via the newspress.ph reprint of February 6, 2026
• legitloanappreview.com: CS201918702 and CA 3169 (secondary)
• kvikuloan.ph, about and fees pages; operator disclosure for Virix Labs, UK company 16325097 (accessed August 28, 2026)
• kviku.ph (403 on all pages, accessed August 28, 2026); kviku.com (holding group)
• Check With SEC verifier; hotline 1-4SEC