Akulaku offers a secure and convenient way to shop online on installment, get cash loan, buy load and more even without a credit card — anytime, anywhere you want! Service features. Get Up To ₱25, 000 Credit Limit. A one-time application can get you a credit limit of up to ₱25, 000 which you can use to avail of the following: Shop on Installment Even Without a Credit Card.