Kviku
- Company typePrivate
- Founded2013
- HeadquartersMoscow, Russia
- Headcount101–250
- GTM typeB2C
- OfferingServices
Kviku firmographics
Firmographics- Name
- Kviku
- Legal name
- OOO MFK «AirLoans» (Limited Liability Company Microfinance Company "AirLoans")
- Website
- https://kviku.ru
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where Kviku is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices1 record
Markets served
Kviku business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure, Others
Revenue model
- Consumer Online Loans: Kviku earns interest income on short-term consumer microloans (from 30 to 365 days) and longer-term loans (up to 12 months). Interest rates range from 0.03% to 0.8% per day (10% to 292% annually) depending on individual client scoring. Loan amounts for new clients range from 1,000 to 100,000 rubles.
- POS Installment Credit ( рассрочка ): Kviku partners with retail stores to offer installment payment plans for goods purchases. The company earns the difference between the merchant's fee and the consumer's zero or low-interest installment terms. Interest rates for POS financing can start from 0% per day depending on the promotion and loan terms.
- Additional Services (Insurance and Psychological Support): Optional add-on services offered at checkout, including group insurance against accidents and illness (offered through Absolut Insurance) with premiums ranging from 483 to 5,995 rubles depending on loan amount, and online psychologist access for 1,998 rubles.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | New client microloan: 1,000–100,000 rubles, up to 12 months |
| Usage-based | Monthly | POS installment ( рассрочка ): up to 100,000 rubles at partner stores |
| Unit Pricing | One time/ perpetual license | Accident and illness insurance ( add-on service ) |
| Unit Pricing | One time/ perpetual license | Online psychologist service ( add-on ) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Kviku product offering
Product offeringCore offering
Kviku is a Russian online microfinance company offering unsecured consumer loans of up to 100,000 rubles fully processed online in under 3 minutes, with approval decisions in as little as 10 seconds. The company also provides POS installment financing (рассрочка) at a network of 10+ major Russian retail partners including Wildberries, Ozon, M.Video, and Eldorado, plus credit lines for repeat customers and investment products for individuals.
Product overview
Kviku operates as a multi-product Russian microfinance company offering consumer online loans, POS point-of-sale credit, installment plans (Buy Now Pay Later), credit lines for repeat customers, and investment products for individuals. The core offering is the consumer online loan product (up to 100,000 rubles with 10-second approval and 3-minute disbursement) combined with an extensive network of retail partners enabling POS financing for electronics, furniture, and general merchandise. The credit line product supplements repeat customer relationships, while the investment product diversifies the financial offerings beyond lending. All products are fully online with no branch visits required.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Online Loans (Потребительские онлайн займы) Unsecured consumer microloans of up to 100,000 rubles for individual Russian citizens, fully processed online with no branch visits or paper contracts. Approval decisions issued in as little as 10 seconds, disbursement within 3 minutes, with terms from 30 days to 12 months and interest rates from 0.03% to 0.8% per day.
- POS Credit / Installment at Retail Partners (POS-кредитование / Рассрочка) Point-of-sale installment financing offered at the checkout of 10+ major Russian retail and e-commerce partner stores, allowing customers to purchase electronics, furniture, appliances, and event tickets in installments with promotional rates starting from 0% per day.
- Credit Line (Кредитная линия) Pre-approved revolving credit line offered to returning customers, accessible through their Kviku personal account, allowing multiple draws against an approved limit without re-application. Loan limits can increase based on responsible repayment history.
- Investments for Individuals (Инвестиции для физических лиц) Investment products offered to individual Russian citizens as part of Kviku's diversified financial product portfolio beyond core lending services.
- Accident and Illness Insurance (Add-on Service) Optional group accident and illness insurance offered to borrowers at loan checkout, with premiums ranging from 483 to 5,995 rubles depending on loan amount. Provided by Absolut Insurance and collected by Kviku on behalf of the insurer.
- Online Psychologist Access (Add-on Service) Optional access to remote psychological services software for 1,998 rubles, offered at the borrower's discretion during loan checkout. Not required for loan approval.
Quantifiable outcome
- Full online loan process in under 3 minutes
- +4 more outcomes
Companies that use Kviku
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Kviku technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
Feature3 records
Kviku partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered minor and core.
- Kassir.ruminorKassir.ru is a ticket and entertainment booking platform and an exclusive partner of Kviku. Through this partnership, Kviku enables customers to purchase event and travel tickets (airline tickets, hotel bookings) on installment plans directly through Kassir.ru.
- RBT.ruminorRBT.ru is a consumer electronics retail chain partner offering Kviku's installment financing for electronics and appliance purchases.
- Lenovo RussiaminorLenovo Russia is an exclusive technology hardware partner. Kviku provides installment financing options for Lenovo products purchased through Lenovo's Russian e-commerce and retail channels.
- AskonaminorAskona is Russia's leading bedding and furniture manufacturer/retailer partner. Kviku enables customers to purchase Askona mattresses, furniture, and accessories in installment payments through Askona's online and physical store channels.
- WildberriescoreWildberries is one of Russia's largest e-commerce marketplaces and a core exclusive partner of Kviku. Kviku provides installment financing options enabling Wildberries customers to spread payments for purchases across Wildberries' vast catalog of goods.
- CitilinkminorCitilink is a major Russian electronics and computer equipment retail chain partner. Kviku offers installment payment options for electronics purchased through Citilink's online and offline stores.
- OzoncoreOzon is one of Russia's largest multi-category e-commerce marketplaces and a core exclusive partner. Kviku provides installment financing integrated into Ozon's checkout flow, enabling buyers to pay for goods in installments.
- M.VideocoreM.Video is one of Russia's largest consumer electronics and home appliance retail chains and a core exclusive partner. Kviku enables M.Video customers to purchase electronics and appliances on installment directly at M.Video's retail and online channels.
- EldoradocoreEldorado is a major Russian consumer electronics retail chain and a core exclusive partner. Kviku provides installment financing for Eldorado's electronics and appliance products both online and in Eldorado's physical store locations.
- Hoff.ruminorHoff.ru is a furniture and home goods retailer partner. Kviku enables installment purchases of Hoff's furniture and home goods through Hoff's online store.
- Absolut Insurance (ООО 'Абсолют Страхование')minorAbsolut Insurance provides group accident and illness insurance to Kviku borrowers as an optional add-on service. Insurance premiums are collected by Kviku on behalf of Absolut Insurance as part of the loan agreement. This is a regulated insurance partnership.
- SRO 'MiR' (Саморегулируемая организация 'МиР')coreSRO 'MiR' is the self-regulatory organization for microfinance entities in Russia. OOO MFK 'AirLoans' is a member of SRO 'MiR' since January 28, 2016. SRO 'MiR' sets industry standards and provides regulatory oversight for its member microfinance organizations.
- Union 'Microfinance Alliance' (Микрофинансовый Альянс)coreThe Union 'Microfinance Alliance of Small and Medium Business Development Institutes' is the SRO for OOO MKK 'Martin'. Martin has been a member since March 28, 2022. The organization provides regulatory oversight and standards compliance for its microfinance members.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Kviku competitors and assessment
Company assessmentDirect peers
- MoneyMan: One of Russia's largest online microfinance companies, operating fully digital short-term consumer loans with automated scoring via the ID Finance platform. Same product (online microloans, ~100k ruble tickets), same target customer (thin-file Russian consumers), same GTM (web + mobile app + partner channels).
- eKapusta: Russian online MFO offering consumer microloans up to ~100,000 rubles with online application, automated decisioning, and repeat-customer credit lines. Directly competes with Kviku on the same digital microloan vertical and similar thin-file borrower base.
- Webbankir: Russian online MFO providing short-term consumer loans with automated online processing and repeat-customer limit expansion. Direct Russian MFO competitor with overlapping online microloan product and similar customer segment.
- Zaymigo: Russian online MFO offering consumer microloans via a fully digital onboarding flow with automated scoring. Direct peer to Kviku in the online consumer microloan segment of the Russian MFO market.
- Migcredit: Russia-based MFO offering consumer microloans and installment credit, operating online with regional branch support. Overlaps with Kviku on consumer and POS installment lending for underbanked Russian borrowers.
Broad incumbents
- T-Bank (Tinkoff): Russia's largest digital-only bank, offering consumer loans, installment cards, and embedded BNPL at major e-commerce checkout. Overlaps with Kviku on installment credit but operates from a regulated bank charter with significantly larger scale and balance sheet.
- Sberbank: Russia's largest bank, offering consumer loans, installment ("Покупай со Сбером"), and e-commerce-linked financing. Acts as a broad incumbent competing across Kviku's retail POS and consumer loan segments with much greater scale and lower funding cost.
- Alfa-Bank: Top-tier Russian bank offering consumer credit cards, installment plans, and partner retail financing. Overlaps with Kviku's POS lending and consumer loan categories but from a full bank charter and broader product portfolio.
Emerging players
- Yandex Pay: Yandex's payments and BNPL product, embedded across Yandex ecosystem merchants with installment options at checkout. Emerging in-checkout competitor to Kviku's POS lending at Russian e-commerce and service merchants.
Others
- Klarna: Global BNPL leader offering short-term installment credit at major e-commerce checkouts with proprietary automated underwriting. Closest international business-model analog to Kviku's POS/installment proposition, although operating in different geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Kviku social profiles
Digital presenceKviku compliance and trust
Trust signalCompliance4 records
Kviku financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kviku leadership team
Management profileNumber of profiles
Kviku subsidiaries and ownership
Company hierarchySubsidiaries1 record
Kviku funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kviku M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kviku
What does Kviku do?
Kviku is a Russian online microfinance company offering unsecured consumer loans of up to 100,000 rubles fully processed online in under 3 minutes, with approval decisions in as little as 10 seconds. The company also provides POS installment financing (рассрочка) at a network of 10+ major Russian retail partners including Wildberries, Ozon, M.Video, and Eldorado, plus credit lines for repeat customers and investment products for individuals.
Is Kviku a public or private company?
Kviku is a private company. It is classified as unknown and is currently operating.
When was Kviku founded?
Kviku was founded in 2013. It employs 101 to 250 people.
Where is Kviku based?
Kviku is headquartered in Moscow, Russia, in the Europe region.
How does Kviku make money?
Three revenue lines are on record. Consumer Online Loans are the primary driver. The others are POS Installment Credit ( рассрочка ) and additional Services (Insurance and Psychological Support).
Who are Kviku's main competitors?
Direct peers on record are MoneyMan, eKapusta, Webbankir, Zaymigo and Migcredit. Broad incumbents are T-Bank (Tinkoff), Sberbank and Alfa-Bank. Yandex Pay is listed as an emerging player. Klarna is listed as an others.
Does Kviku have an API?
No public API is recorded for Kviku.