Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs KiwiCredito
Addi vs KiwiCredito: the differences
| Compare |  Addi |  KiwiCredito |
|---|---|---|
| APR | 0% to 29.14% | 0% to 35% |
| Term | 1 to 6 months | 4 to 24 monthsHigher |
| Arrangement fee | 0 COP (no handling fee) | 0 USD (no opening fees) |
| Credit check | Hard | Soft prequal |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | 1-3 business days after approval |
| Loan types | BNPL, Credit line | Personal, Credit line, BNPLCovers more |
| Loan amount | Not confirmed | $150 to $3,000 |
| Representative example | Not confirmed | Kiwi Pay: $1,000 loan, 12-month term, 30% APR, $96.15 monthly, $1,153.80 total repaid |
| Rate type | Fixed | Not confirmed |
| Eligibility | Not confirmed | 18 or older (21 or older in Puerto Rico), US resident in a licensed state, valid bank account and official ID |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- KiwiCredito is available in 2 more countries.
- Term is higher at KiwiCredito: 4 to 24 months vs 1 to 6 months.
- Support channels: only Addi offers Community.
- Support channels: only KiwiCredito offers Chat.
- Loan types: only KiwiCredito offers Personal.
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.
KiwiCredito
KiwiCredito is a direct lender for US borrowers in licensed states who want a small personal loan or credit line without opening fees. Its APR of 0% to 35% sits well above the site median of 12%, and the top rate is where cost bites hardest.
Score breakdown
| Area | Addi | KiwiCredito |
|---|---|---|
| Cost | 9.5 | 9.5 |
| Offer | 9.0 | 9.0Fees of 0 USD (no opening fees) and rates of 0% to 35% on amounts of $150 to $3,000 over terms of 4 to 24. |
| Trust | 9.2 | 9.2 |
Feature by feature
| Loan types | Addi | KiwiCredito |
|---|---|---|
| Personal | No | Yes |
| Credit line | Yes | Yes |
| BNPL | Yes | Yes |
Availability and regulation
| Country | Addi | KiwiCredito |
|---|---|---|
| Puerto Rico | Not confirmed | |
| United States | Not confirmed | Florida (issuer not named on the site) CF9901648 Missouri (issuer not named on the site) 510-269804 |
Additional countries for Addi: 1. Additional countries for KiwiCredito: 3.
If neither fits
Sofkredit has term at 6 to 240 months, against 1 to 6 months for Addi and 4 to 24 months for KiwiCredito.
Sofkredit reviewHow they place
| Ranking | Addi | KiwiCredito |
|---|---|---|
| Lines of credit | 51 of 328 | 60 of 328 |
| Buy now, pay later | 12 of 88 | 15 of 88 |
Every fact side by side
| Fact | Addi | KiwiCredito |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Credit line |
| Legal entity | Adelante Soluciones Financieras S.A.S. | Kiwi Financial Group Inc. |
| Headquarters | Colombia | Puerto Rico |
| Support channels | Email, Phone, Help centre, Community | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | Addi | KiwiCredito | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 0% to 35%lowest quarter | 8.99 |
| Loan amount | Not confirmed | $150 to $3,000lowest quarter | $35,000 |
| Term | 1 to 6 monthslowest quarter | 4 to 24 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
KiwiCredito
Pros
- No opening fees: 0 USD (no opening fees) on personal loans and credit lines
- A credit line is available alongside fixed-sum personal loans and buy now pay later
- Early repayment is free, so clearing the balance early costs nothing extra
Cons
- Rates reach 0% to 35%, above the site median of 12%
- Borrowing is capped at $150 to $3,000, well under the site median of €876.96
- Funding takes 1-3 business days after approval, slower than the 82.9% share of lenders
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
KiwiCredito
Who it suits
- Adults in US states where KiwiCredito holds a lending licence
- Borrowers who want a credit line and a small personal loan from the same lender
- People who can clear the balance early and want no opening fee
Who should look elsewhere
- Borrowers after a long low-rate term, since terms run 4 to 24
- Anyone needing a large sum, as amounts stop at $150 to $3,000
- Borrowers who need money in a hurry, since funding lands 1-3 business days after approval
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
KiwiCredito
Current offer
Bonus
Kiwi Pay 90-Day Interest Waiver (Interest-Free Months): All accrued interest waived if the borrower stays current and pays the balance in full within 90 days of origination
Available only through participating merchants; not all Kiwi Pay loans qualify; interest accrues at the standard contracted rate during the term; does not modify the loan agreement, TILA disclosure or APR
Source, checked September 26, 2026
Country by country
| Country | Addi | KiwiCredito |
|---|---|---|
| Colombia | Yes | No |
| Macao | No | Yes |
| Puerto Rico | No | Yes |
| United States | 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.
KiwiCredito
What APR does KiwiCredito charge?+
Rates run at 0% to 35%. That band is wide, so the cost depends on your file. For comparison, the median across the site is 12%, and the top quartile of lenders sits at 24.92%.
How much can I borrow?+
Amounts run $150 to $3,000. That is small next to the site median of €876.96, and the top quartile of lenders reaches €3,100.39. KiwiCredito suits short, modest sums rather than large projects.