Your Money.
Your Way.
Accessible lending with the lowest interest rates in the market. AI-powered credit assessment ensures fair, fast, and transparent access to funds. Currently serving Misamis Oriental.
Loans Disbursed
Funds Released
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Borrowers Served
Why Choose Kaulix
Built different from the ground up — technology-driven lending that puts people first.
Lowest Interest in the Market
Rates as low as 3–6% monthly compared to the industry average of 10–15%. We believe affordable credit drives real economic growth.
AI-Powered Fair Credit Assessment
Our deterministic credit scoring model evaluates you fairly — no bias, no black boxes. Every decision is transparent and explainable.
Fast & Transparent Process
Quick disbursement with no hidden fees. From application to approval, every step is clear and straightforward.
How It Works
Getting started is simple. Three steps to accessible funding.
Apply
Reach out to us with your loan inquiry. Our team will guide you through the simple requirements.
Get Assessed
Our AI-powered credit assessment evaluates your profile fairly and transparently. All loans are subject to credit assessment and approval.
Receive Funds
Once approved, funds are disbursed quickly. Clear repayment terms with no hidden charges.
Born in Cagayan de Oro,
Built for Every Filipino
“Kaulix” combines “Kauswagan” — a Visayan word meaning progress and prosperity — with “Links”, representing the connections we build between people and opportunities.
Founded in Cagayan de Oro City, we started with a simple belief: everyone deserves access to fair and affordable credit. Our technology-first approach uses AI-powered credit assessment to remove bias and provide transparent, explainable lending decisions.
Our Mission
To democratize access to credit through technology, providing the lowest rates in the market with fair and transparent assessment for every Filipino. We currently serve borrowers in Misamis Oriental, with plans to expand across the Philippines.
Our Values
- Transparency in every transaction
- Fairness through technology
- Community-first approach
Trust & Compliance
We operate with full regulatory compliance and prioritize the security of your data.
SEC Registered
Kaulix Lending Corporation is registered with the Securities and Exchange Commission (CA No. L-26-1044-53).
MTPP Compliant
We comply with the Manual of Terms, Policies, and Procedures for lending companies as mandated by SEC.
Data Security
Your personal and financial data is protected with industry-standard encryption and security measures.
Frequently Asked Questions
Everything you need to know about Kaulix lending services.