Kviku Finance

Kviku Finance is a Russian company founded in 2013 with an average interest rate of 16.7%! Kviku grants loans through its virtual credit card and point-of-sale partners and is regulated by the Central Bank of Russia.  

Kviku's business model is less risky than traditional payday loans because only repeat borrowers have access to cash loans, while new customers can apply for cashless loans to purchase goods or services.