For consumers
For merchants
Financing for up to 36 months

Buy now, pay later
Made simple

Get what you need today and pay in convenient monthly installments. Fast approval, transparent terms.
Apply for Kiwi Pay
Hand holding a phone showing Kiwi Pay checkout options for a 32-inch Philips TV.

Pay with Kiwi Pay

Honda Motorcycle

CRF250R 4-stroke

Gas Stove 6/B

Whirlpool

BBQ Grill

Blackstone Griddle 36"

Choose your installments

12
18
24
36

Thanks for shopping
with Kiwi Pay

Two elongated, shaded elliptical shapes in gray tones on a transparent background.

Shop with Kiwi Pay at affiliated stores

Local shops and major retailers accept Kiwi Pay. Get what you need today and pay in convenient monthly installments.

How does Kiwi Pay work?

A simple way to finance your purchases in Puerto Rico and Florida.
STEP 1

Scan to get started

Go to kiwipay.co or scan the QR code to start the purchase process.
STEP 2

Start application

Complete your digital application and select the store where you want to make your purchase today.
STEP 3

Get approved

Get a decision in minutes without affecting your credit score.†
STEP 4

Complete your purchase

Once approved, complete your purchase and take home what you need. Financing with Kiwi Pay is that simple.
Blue Kiwi Pay card with a QR code inviting shoppers to buy now and pay over time.Blue Kiwi Pay card with a QR code inviting shoppers to buy now and pay over time.Approval message with a verified badge confirming you can start shopping with Kiwi.Product page for a 32-inch Philips TV with an 18-installment payment plan and a Kiwi checkout button.
Blue Kiwi Pay card with a QR code inviting shoppers to buy now and pay over time.

Scan to get started

Go to kiwipay.co or scan the QR code to start the purchase process.
STEP 1
Checkout screen showing financing options for a gas stove and a washer, with a merchant search.

Start application

Complete your digital application and select the store where you want to make your purchase today.
STEP 2
Approval message with a verified badge confirming you can start shopping with Kiwi.

Get approved

Get a decision in minutes without affecting your credit score.†
STEP 3
Product page for a 32-inch Philips TV with an 18-installment payment plan and a Kiwi checkout button.

Complete your purchase

Once approved, complete your purchase and take home what you need. Financing with Kiwi Pay is that simple.
STEP 4

Shop today and pay over time

Enjoy a simple, secure, and fully online financing experience with transparent terms.

Instant approval

Get approved in seconds with our instant credit assessment.
Approval card confirming a shopper can now make a purchase at Arecibo Home Design.
Shield badge representing Kiwi Pay's anti-fraud system and 256-bit encryption.

Safe and secure

Bank-level security with fraud protection.

Flexible terms

Choose from installment plans of up to 36 months. Options vary by merchant.
Term selector showing installment plans of 6, 8, 12, 16 and 24 months.
FAQs

Frequently Asked Questions about Kiwi Pay

Clear answers to our customers' most common questions.
What is Kiwi Pay and how does it work?
Will applying for Kiwi Pay affect my credit score?
How do I use Kiwi Pay at an affiliated store?
Where can I use Kiwi Pay?