Your Money.
Your Way.
The lowest lending rates in the Philippines. No hidden fees. Built by Filipinos, for Filipinos.
AI continuously monitoring risk profile
Ready to get started?
Leave your details and we'll call you to discuss your loan options. No commitment, no pressure.
Not a bank. Not a loan shark.
For the people.
Banks won't look at you. Loan sharks will bleed you dry. We started Kaulix because Filipinos deserve better than both.
Kauswagan means progress in Visayan. That's what we're building. AI that scores your potential, not your connections. Rates that don't punish you for being ordinary.
Born & built
Powered
Starting rate
Registered
“We're here to democratize lending in the Philippines. One fair loan at a time.”
Kaulix Lending Corporation · CA No. L-26-1044-53
Lending, reimagined.
Starting rate
Others charge 10–15%
Transparent AI
Every decision explainable
Hidden fees
Same-day disbursement
Three steps. That's it.
AI does the work.
Scored in seconds. Every factor transparent.
Cash, same day.
Approved and disbursed. No waiting, no surprises.
Trust & compliance
Regulated, transparent, and secure — by design.
SEC Registered
CA No. L-26-1044-53
Registered with the Securities and Exchange Commission as a lending company.
MTPP Compliant
Full compliance
Compliant with the Money Laundering and Terrorist Financing Prevention Program (MTPP) mandated by the SEC.
Data Security
Industry standard
Your data is protected with industry-standard encryption and security measures.
Frequently Asked Questions
Everything you need to know.