Review: What Customers are Saying about Akulaku

There are days when you need a new phone, laptop, or small appliances because the old one (that’s been with you for years) broke down. Apparently, you don’t have enough funds to get yourself a new one.

What do you do?

Borrowing money from family might be your first choice, but what if even your family cannot lend you some? Getting a personal loan from banks is out of the question as well because of the requirements needed. In that case, you turn to online cash lenders like Akulaku. 

Is it worth it? Is it legitimate? How about the processing and payment? Don’t worry. These questions will be answered based on the reviews shared by Akulaku customers.

On Loan Application

Applying for a loan is easy. Simply download the Akulaku app, which is available in both Apple and Android devices, create an account to register, and apply for a credit limit. Most Akulaku customers are in unison in saying that applying for a loan is easy since all they needed was their smartphone. The requirements are easy to comply with as well, although some say they weren’t able to push through with their application because they don’t have government-issued ID.

On the other hand, there are customers who are not happy when it comes to their credit limit. One of the customers interviewed said that she’s been a loyal customer of Akulaku but was not granted an increase despite using the app repeatedly and paying on time and in full. When she asked for an increase, Akulaku wasn’t that helpful, saying that the credit limit was system-generated.

On Delivery of Items Ordered

Aside from cash loan, Akulaku also offers sale of items, which will be paid on installment basis. Most customers say that it took a while for Akulaku to deliver the items they ordered. Although the delivery time is three to five days, some didn’t get their items until on the seventh day from the time they applied  or even longer. Some were even complaining that they are due to pay their loan on this particular day but haven’t received the item they ordered.

On Loan Repayment 

Despite being new in the market, Akulaku is commendable for its variety of loan repayment options such as GCash, DragonPay, ECPay, or over-the-counter payments in banks like PNB. Payment can also be done online, which is a big plus for customers.

Unfortunately, payment made will not reflect on Akulaku system immediately. Some customers said that they have to repeatedly send proof of payment because they were being charged for late payment fee despite paying in full and on time.

On Customer Service

This was one of the common complaints of Akulaku users. Despite the ease in applying for a loan and a lot of potential, most of them say that they need to improve on their customer service. Akulaku representatives don’t often reply in messages sent on Facebook despite repeated messages made by customers.

They do hope that Akulaku will improve on their customer service, especially the Chat Support so they could address their customers faster, more effectively, and not just give them a generic reply when raising their concerns.

Given this feedback from customers, do you want to give Akulaku a try?

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