Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs Deema
Where Addi and Deema differ
| Compare |  Addi |  Deema |
|---|---|---|
| APR | 0% to 29.14% | 0% |
| Term | 1 to 6 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 COP (no handling fee) | 0 KWD |
| Loan types | BNPL, Credit lineCovers more | BNPL |
| Credit check | Hard | Not confirmed |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
Same on both: Lender type (Direct lender).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Term is higher at Addi: 1 to 6 months vs 3 to 4 months.
- Support channels: only Addi offers Help centre, Community.
- Loan types: only Addi offers Credit line.
Our verdict on each
Addi
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.
Deema
Deema is a direct lender in KW built for one job: letting shoppers spread a purchase over 3 to 4 and clear it quickly. It suits buyers who want a short, self contained plan, and it will not suit anyone borrowing for larger or longer needs.
Score breakdown
| Area | Addi | Deema |
|---|---|---|
| Cost | 9.5 | 9.9HigherAPR of 0% and an origination fee of 0 KWD mean a plan that is cleared in full carries nothing extra. |
| Offer | 9.0Higher | 8.5 |
| Trust | 9.2 | 9.2 |
Licences and countries
Additional countries for Addi: 1. Additional countries for Deema: 1.
Positions in our rankings
| Ranking | Addi | Deema |
|---|---|---|
| Buy now, pay later | 12 of 88 | 14 of 88 |
Which one suits you
Pick Addi if offer, term, and loan types matter most.
Pick Deema if cost matter most.
Sources behind this comparison
Addi
- co.addi.com: 14 facts, checked September 26, 2026
Deema
- play.google.com: 6 facts, checked September 26, 2026
- deema.me: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Addi | Deema |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Legal entity | Adelante Soluciones Financieras S.A.S. | DEEMA COMPANY FOR COMPUTER PROGRAMMING ACTIVITIES WLL |
| Headquarters | Colombia | Kuwait |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Email, Phone |
Where each stands against the rest
| Fact | Addi | Deema | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 0%lowest quarter | 8.99 |
| Term | 1 to 6 monthslowest quarter | 3 to 4 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Addi
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
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
Deema
Pros
- Terms of 3 to 4 keep the plan short and easy to clear
- Deema is a direct lender, so the same company funds the purchase and collects the instalments
- Help is available by email and phone for a question or a failed payment
Cons
- Repayment terms of 3 to 4 leave little slack if a payment date slips
- Support runs on email and phone only, so help depends on those routes
- Deema covers bnpl only, so it is not a place to borrow over a longer stretch
Who each suits
Addi
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
Deema
Who it suits
- Shoppers in KW splitting a checkout purchase rather than covering an existing bill
- Borrowers who want to clear a short plan quickly and avoid an origination fee
- People who would rather the lender handled the whole plan itself than a broker
Who should look elsewhere
- Solcredito MX, if you want a borrowing window far longer than 3 to 4 and can work with an APR of 9.5% to 3,696%
- Kviku, whose terms of 2 to 12 suit a longer repayment stretch than the 3 to 4 here
- Oney Préstamos ES, which opens a loan with 3% of financed capital (apertura) and fits a longer loan market
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Country by country
| Country | Addi | Deema |
|---|---|---|
| Colombia | Yes | No |
| Kuwait | No | Yes |
Questions about each
Addi
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.
Deema
What does a Deema plan cost?+
A Deema plan carries an APR of 0% and an origination fee of 0 KWD. Over terms of 3 to 4, a plan that is opened and cleared in full adds nothing to the purchase price. Check the order total and the instalment dates before you commit.
How long do I have to repay a Deema plan?+
Terms run 3 to 4, so the amount is owed quickly and in a small number of instalments. That short window is the trade-off for the 0% APR. Check the due dates against the days the shop expects payment.