KUYA loan Review Philippines app legit? Harassment complaints (2025)

Kuya loan is a financial application developed on the mobile phone platform in the Philippines. It is known as the most effective lending tool at the present time.

Let’s learn about this online lending application with retailasiaonline.com!

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Summary of Kuya

✅ Kuya loan Review	⭐ 3.6 star
✅ Guide to	⭐ Register to Kuya loan app Philippines (PH)
✅ Loan amount	⭐ 3.000 – 80.000 Pesos
✅ Age	⭐ 18 – 65 years old
✅ Term	⭐ 6 – 12 months
✅ Interest rate	⭐ 0 % interest rate for first loan
✅ Pros	⭐ Online loan monthly payments in Philippines
✅ Cons	⭐ No Online loan guaranteed approval
✅ Evaluate the effectiveness	⭐ Good
✅ Bad credit	⭐ Allow
✅ Feedback	⭐ Read more in this article
✅ Kuya App download APK:	⭐ Link Here

What is Kuya loan?

Kuya loan is an online loan application, supported for mobile phones. It is under the management of Ward Lending Corporation. This is a form of unsecured loan that does not require collateral. It was born to overcome the shortcomings of lending at traditional banks, meeting the need to mobilize capital in the shortest time.

Pros of Kuya loan App

Kuya loan review brings completely new experiences to users. It possesses all the outstanding advantages that customers who have used it will never forget:

• There is no need for collateral.
• No proof of income.
• Simple procedures with only valid ID card, legal in the Philippines.
• Professional staff attitude.
• Information is transparent and clear.
• The registration process is quick, 100% online, convenient anytime, anywhere.
• Super fast disbursement, meeting quick and urgent capital needs during the day.
• Competitive interest rates.
• Maximum limit up to 80,000 PHP.
• Loan can be extended.

Cons of Kuya loan App

Despite many undeniable advantages, Kuya loan review still has a few minor shortcomings:

• The limit is not high, if customers intend to borrow for business, they should consider carefully.
• First-time borrowers will not receive a maximum limit.
• Interest rates are higher than traditional bank unsecured interest rates.
• There are high overdue payment penalties.
• There is a service fee.

Kuya loan interest rate

The current Kuya loan interest rate does not exceed 20%/year. In addition, you need to pay an additional service fee for each loan up to 38%/loan. The longer the loan term, the lower the service fee. However, this depends heavily on the borrower’s reputation.

Normally, for new customers, the amount you are approved to borrow will not be the maximum. But after becoming a loyal customer and having a good rating, the limit will be increased and the interest rate will also be more preferential.

Example of Kuya loan interest rate calculation

Example of Kuya loan approval:

• Loan amount needed: 10,000 PHP.
• Term: 6 months.
• Interest rate: 1%/month.
• Service fee: 20%
• Interest payable: 10,000 x 20% = 200 PHP.
• Actual disbursement amount: 10,000 – 200 = 9,800 PHP.
• Interest rate payable: 10,000 x 1% x 6 = 600 PHP.
• Amount to pay: 10,000 + 600 = 10,600 PHP.

Kuya loan requirements

To successfully apply for a loan at Kuya loan, you need to satisfy the following simple conditions:

• Philippine citizen, 18 years of age or older.
• Have a valid identification document issued by the Philippine government.
• Have a working phone number.
• Have a job that creates a stable source of income to meet debt repayment needs.

Guide to register Kuya loan Application Step-by-step

Kuya loan is known for its quick registration process, few operations, suitable for all types of customers.

Below are the steps to apply for a loan here, you can refer to:

Step #1: Download the Kuya loan application

You own a smartphone with internet. Go to the application’s official homepage, click download and install.

Note, all phone operating systems are compatible with this loan app. Download and installation are completely free.

Step #2: Declare information

The next step is to provide personal information to register an account such as: current phone number, full name, ID card number, email address, residential address…

This operation only takes about 5 minutes to complete, will not waste too much of your time.

Step #3: Apply for loan

Choose a loan that suits your capital needs. Carefully read the contract terms, confirm the loan and attach photos of the identification documents you have.

Step #4: Confirm loan and wait for disbursement

After pressing confirm loan, the operator will call to confirm the loan again with you. After that, your profile will be processed by the system.

If approved, within 30 minutes, the disbursement will be in your bank account. The remaining thing is how you plan to repay the debt to avoid the risk of penalty fees.

Reviews Kuya online Loan App Feedback

Kuya review is rated 3.6 stars from customers in Philippines, no harassment complaints. It is legit and safe, high support limit and absolute information.

Kuya loan brings great experiences to users. Therefore, there are many good feedback reviews about this application.

Kuya loan repayment

How to make Kuya loan payment? The answer is there are many ways to pay:

• Accessed by M.Lhuillier, RD Pawnshop, 7.11. Select the bill payment section, select the contract number you need to pay. Then confirm payment.
• Pay via GCASH app, payment method is similar to above.
• Transfer money directly through the app’s bank account.

Compare Kuya loan App Philippines with other loan apps

Comparison criteria	Kuya loan	Cashwill	Cocopeso
Limits	3,000 – 80,000 pesos	2,500 – 50,000 pesos	3,500 – 10,000 pesos
Tenor	180 – 365 days	91 – 365 days	91 – 360 days
Interest	20%/year	24%/year	not exceed 26%/year
Age	over 18 years old	over 21 years old	over 20 years old
Review rate	90%	83%	85%

Sources: Refer to Sate Bank reporting and research.

Kuya loan customer service

Kuya loan complaints will be resolved via contact information:

• Email: csr.kuyaloan@gmail.com
• Phone number: 09190666248 or 09088151015
• Address: 9050 Lower Ground Floor Romehabd Bldg. Centennial Rd Baton Dalig Kawit Cacite.

FAQs – Kuya loan Philippines

Here are some questions to answer about Kuya loan:

Is Kuya loan sec registered?

Kuya loan is under the management of financial company Ward Lending Corporation. It is licensed to do business under SEC Registration No. 2021060016518-03 and certificate of authority no. L-21-0009-34. Therefore, you can completely feel secure when applying for a loan here. This application is completely secure and reliable.

Is Kuya loan harassment in the Philippines?

Kuya loan is a legal online lending app, with no information leaks that are detrimental to users. All customer information is kept confidential and will not be disclosed to third parties. If you are bothered by phone calls, you can respond to the app’s customer service. You also need to check to see if your information has been leaked due to signing up for an unreliable app.

How to contact Kuya loan complaints?

If you have any questions, please contact phone number 09190666248 or 09088151015 or email address csr.kuyaloan@gmail.com. The customer care department operates 24/7 and will answer you as soon as possible.

In conclusion – Should you Apply to Kuya loan App?

Kuya loans are becoming popular in the Philippine financial market because:

• User-friendly app interface.
• Simple profile.
• Flexible payment channels.
• High approval rate.

If you are in need of a quick loan or hot loan, don’t hesitate to apply for a loan at Kuya loan. Surely this will be your most effective financial solution in solving urgent money problems.

Hope you have confidence in your choice. Don’t forget to leave a 5-star review for this article!