Kviku
Kviku Finance is a consumer lending P2P platform headquartered in Limassol, Cyprus. Founded in 2020 as part of the Kviku Group (established 2013), the platform connects investors with short-term consumer loans including Buy Now Pay Later products, installment loans, and virtual credit cards. Operating across multiple markets including Kazakhstan, Spain, Poland, and the Philippines, Kviku Finance offers a buyback guarantee on loans delayed over 30 days.
Kviku in real numbers
Anonymized statistics from all Kviku portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
12.5%
Based on 14 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 10 stated strategies
Combined portfolio value
€42,061
Investors on P2P Dash
18
Interest earned all-time
€25,591
Median cash drag
3.4%
Share of funds sitting uninvested
Kviku returns over time
Median annual return of Kviku investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
12.2%
5 investors
11.3%
2021
12.3%
2022
11.7%
2023
11.1%
2024
11.0%
2025
11.7%
2026
Is money moving into Kviku?
Monthly deposits minus withdrawals across Kviku investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€17,484
18 investors tracking
Kviku investors also track
Share of Kviku investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Kviku
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Kviku
Answers based on anonymized community data from P2P Dash investors.
What is Kviku?
Kviku is a peer-to-peer lending platform, founded in 2020 (headquarters: Cyprus). On P2P Dash, investors import their Kviku account statements to track the real net return they earn there.
What return do investors actually earn with Kviku?
Across 14 Kviku portfolios tracked on P2P Dash, the median net return (XIRR) is 12.5%. The middle 50% of investors earn between 11.5% and 13.4% (as of August 3, 2026).
How many investors track Kviku on P2P Dash?
18 investors track their Kviku portfolios on P2P Dash, with a combined portfolio value of €42,061 and €25,591 in interest earned all-time.
Are investors currently adding or withdrawing money at Kviku?
Of 10 stated strategies for Kviku, 50% plan to add funds or reinvest, 10% intend to hold, and 40% plan to reduce or exit (as of August 3, 2026).
Is Kviku regulated?
No, Kviku does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Kviku offer a buyback guarantee?
Yes, Kviku offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Kviku portfolio?
Export your transaction history from Kviku (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Kviku?
Based on the community ranking, the closest alternatives to Kviku in the same asset class are Nectaro, Afranga, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.