Addi review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.

Key facts

Best for
Shopping now and paying later, or keeping a reusable credit line open in Colombia.
APR
0% to 29.14% (Source, checked September 26, 2026)
Term
1 to 6 months (Source, checked September 26, 2026)
Arrangement fee
0 COP (no handling fee) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Credit applied for in minutes; the purchase is paid directly to the merchant at checkout (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Loan types
BNPL, Credit-line (Source, checked September 26, 2026)
Legal entity
Adelante Soluciones Financieras S.A.S. (Source, checked September 26, 2026)
Headquarters
Colombia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
co.addi.com

Pros and cons

Pros

  • The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
  • Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
  • Fixed rates, with a fixed structure rather than a variable one
  • Early repayment is free, which shortens the cost of settling the balance early

Cons

  • The application runs a hard credit check, so a declined application shows on the credit file
  • Repayment terms run 1 to 6, which is short for anyone wanting a longer period
  • The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Addi

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Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
  • People who want a reusable credit line open alongside a pay-later plan
  • Borrowers with a good credit file who pass a hard check and settle early

Who should look elsewhere

  • Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
  • Borrowers who need a longer repayment period than 1 to 6
  • People who cannot pass a hard credit check

The company behind it

Addi is provided by Adelante Soluciones Financieras S.A.S., which is based in Colombia and lends directly rather than acting as a broker. Support runs on email, phone and help centre, so a question about a plan, a payment date or a blocked purchase can be raised by phone, email, through the help centre or in the community. Direct lending also means the terms you accept come from Addi rather than from a panel of offers.

How Addi compares

Where Addi is available

Available
Colombia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Addi cost to borrow?+

The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.

Is there a fee for opening a credit line?+

No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.

How long are repayment terms?+

Repayment periods run 1 to 6 on the products listed. That is a short window compared with longer personal loans, so a plan is easier to clear quickly but gives less room if income is tight in a particular month.

Does applying affect your credit file?+

Yes. The check behind the application is a hard credit check, which means a formal search appears on the credit file whether the application succeeds or not. A rejected application can therefore affect later borrowing as well as Addi's own decision.

How does the money reach the purchase?+

The credit is applied for in minutes and the purchase is paid directly to the merchant at checkout, so no cash is transferred to an account. That structure suits buying an item now, but it does not cover borrowing for a bill already paid or a transfer of funds.

What kinds of credit does Addi offer?+

Addi covers a credit line and buy now pay later plans. The credit line stays open and reusable, while the pay-later plan settles a single purchase at the till through a partner merchant.

How is Addi contacted?+

Support runs on email, phone and help centre, covering phone, email, the help centre and the community. A phone line is the quickest route for anything urgent, such as a payment date that has passed or a purchase that has been declined at the checkout.

Who runs Addi?+

The lender is Adelante Soluciones Financieras S.A.S., headquartered in Colombia. It is a direct lender, so the credit decision and the terms come from Addi itself rather than from a broker comparing offers on your behalf.

Sources

  • co.addi.com checked September 26, 2026

    Backs: Funding time

    “Request your credit in minutes and buy in installments without complications - Pay directly at checkout with Addi: go to your favourite store, ask to pay with Addi at checkout”

  • co.addi.com/creditos checked September 26, 2026

    Backs: Features, Loan types, Arrangement fee, Term

    “Each payment releases your Cupo so you can keep shopping”

  • co.addi.com/pp checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity

    “consult the credit bureaus to know the customer's payment performance, payment capacity or to assess the future risk of granting credit”

  • co.addi.com/tasas-tarifas checked September 26, 2026

    Backs: APR

    “Interest rates for consumer loans: from 0% E.A. (0% M.V.) up to 29.14% E.A. (2.1539% M.V.), assigned according to the customer's risk profile”

  • co.addi.com/tyc-addicupo checked September 26, 2026

    Backs: Lender type, Pricing model, Rate type

    “It is an indicative, pre-approved amount of money that Addi makes available to you so you can buy in installments with Addi in our partner stores”

  • co.addi.com/tyc-cc checked September 26, 2026

    Backs: Free early repayment, Support channels

    “you have the option to make payments higher than your minimum payment at any time”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Representative example.

Addi

Addi

Shopping now and paying later, or keeping a reusable credit line open in Colombia.

9.3/10See alternatives

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