Kiwi lending partners

Loans through Kiwi Pay are issued by Kiwi Financial Inc.

For more information about Kiwi's licenses, please visit our licenses page.

This is not a deposit product.

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† The request will not affect your FICO® score. Kiwi can get information from a traditional credit agency but it won't affect your FICO® score. Our credit decision on your application may be based in whole or in part on information obtained from a consumer reporting agency, TransUnion.

Product Terms: All products are offered by Kiwi Financial Group Inc. and its subsidiaries, including Kiwi Financial Inc. and Kiwi Credit LLC (collectively, "Kiwi"). All products are subject to eligibility and approval, which is not guaranteed. Actual approved amount depends on standard underwriting guidelines and credit policies. Account payment history is reported to certain credit bureaus. Pre-qualification will not affect your credit score with credit reporting agencies. Typical personal loan amounts range from $150 to $3,000 for new customers and from $500 to $3,000 for returning customers. For loans originated through the Kiwi Pay point-of-sale program, amounts can reach up to $5,000. Loan amounts vary by product, state of residence, and creditworthiness. This information is based on data from previously approved loans and does not necessarily reflect current terms.

Kiwi Pay, our point-of-sale financing product, is available only through participating U.S. merchants. Certain merchants, products, and services may not be eligible. Kiwi Pay offers loans with repayment periods ranging from 4 to 36 months. Annual Percentage Rates (APRs) range from 0% to 35%, depending on the applicant's credit profile and state of residence. Not all customers qualify for the 0% rate. A representative example of the total cost of the loan is as follows: for a $1,000 loan with a 12-month term and a 30% APR, the monthly payments would be $96.15, with a total amount due of $1,153.80. There are no prepayment penalties. Additional charges or late fees may apply, as permitted by law and depending on the loan type and participating merchant. Each loan is subject to independent credit approval and does not constitute an open line of credit. For complete program details, please see the Terms and Conditions. Kiwi does not offer loans to borrowers covered under the Military Loan Act (MLA).

Kiwi Pay's 0% Annual Percentage Rate (APR) loan product is available exclusively to qualifying applicants who meet Kiwi's credit eligibility requirements through participating merchants, not all Kiwi Pay loans qualify. For approved borrowers, the Annual Percentage Rate is 0.00%, the Finance Charge is $0.00, and the Total of Payments equals the Amount Financed, meaning you repay only the principal amount borrowed with no interest and no additional cost of credit. Eligibility for the 0% APR product is based on creditworthiness as determined by Kiwi at the time of application. Not all applicants will qualify. All loans are subject to independent credit approval. This product is a closed-end, unsecured installment loan with no prepayment penalty. There is no prepayment penalty, you may pay off your outstanding principal balance at any time at no additional cost.

Kiwi Pay's 90-Day Interest Waiver ("Meses sin Intereses") is a promotional offer and is separate from Kiwi Pay's 0% APR loan product. This promotion is available only through participating merchants, not all Kiwi Pay loans qualify. Interest accrues at your standard contracted rate throughout the loan term. Borrowers who remain current on all scheduled payments and pay their full balance within 90 days of origination will have all accrued interest waived. Borrowers who do not pay off within 90 days continue under their original loan terms with no penalty, no additional charges, and no adverse impact. This promotion does not modify your loan agreement, TILA disclosure, or APR. Not all borrowers are eligible.

Information about the financial company: For Loans, Kiwi has loan licenses in PR, FL, UT, MO and TX. Puerto Rico Residents: Small Personal Loan Act License #PPP-035; Florida Residents: License #CF9901648; Utah and Texas Residents ID NMLS: 2744486; Missouri Residents #510-269804.

* All products are subject to eligibility and approval by Kiwi. Maximum loan amounts and terms vary by state. Not all customers are approved for the maximum limit and it depends on credit checks and earning capacity.

** The loan referral program is open to any consumer who registers on the Kiwi website or mobile application and who resides in states where we have licenses and offer our services. Eligible loan referrers will not receive a referral bonus for any other Kiwi product. The referral program is valid only for clients whose referral has been approved and a personal loan has been disbursed. For more information, please see our referral policy. Find the terms and conditions.

^ Disbursement of funds normally occurs within 1 business day after approval, but it can take up to five days. The estimated time of 4 minutes to complete our loan application is based on ideal scenarios, where applicants have a favorable credit history and are well versed in the use of digital technologies. This time may vary depending on different factors, including the need to verify revenues or challenges related to the technological interface. Under certain circumstances, such as the need for additional documentation or technical difficulties, the application process could take a significant amount of time, extending to several hours or, in exceptional situations, to several days.

†† Lack of Available Program for Covered Borrowers: Our company does not currently offer a credit program designed to meet specific requirements and protections for covered borrowers under the Military Loan Act (MLA). This decision is based solely on the absence of an appropriate program and not on your credit worthiness or personal financial situation. Therefore, Kiwi cannot provide lending services to individuals protected by the MLA. To verify if someone is under the protection of the MLA, we request a report from a national consumer reporting agency.

Additionally, we formulated the above question as an additional precautionary measure to ensure compliance with MLA regulations. According to the MLA, the term “service member” generally refers to a person who actively serves as a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, under orders that do not specify a period of 30 days or less. “Dependent” generally includes the spouse of a service member, their children under 18, or anyone else to whom the service member has provided more than half of their support in the past 180 days. To determine if you are covered by the MLA, you are invited to make a single registration inquiry through the official website of the MLA.

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Physical Address: Kiwi Financial Group Inc. 33 Calle Resolución, Suite 803-A, San Juan PR 00920
Mailing Address: 151 Calle de San Francisco Ste 200 PMB 1123 San Juan, PR 00901-1607