Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs KOHO
Where Addi and KOHO differ
| Compare |  Addi |  KOHO |
|---|---|---|
| APR | 0% to 29.14%Lower | 19.9% to 34.9% |
| Credit check | Hard | Soft prequal |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | Funds deposited into your bank account the same business day |
| Lender type | Direct lender | Broker |
| Loan types | BNPL, Credit line | Personal, Credit line, BNPLCovers more |
| Loan amount | Not confirmed | CA$1,000 to CA$15,000 |
| Term | 1 to 6 months | Not confirmed |
| Arrangement fee | 0 COP (no handling fee) | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | KOHO members residing in Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia; Government ID and bank account information required to verify income |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Addi scores higher overall: 9.3 vs 8.6.
- APR is lower at Addi: 0% to 29.14% vs 19.9% to 34.9%.
- Support channels: only Addi offers Email, Community.
- Support channels: only KOHO offers Chat.
- Features: only KOHO offers Same day funding.
- Loan types: only KOHO 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.
KOHO
KOHO is a Canadian broker for members who want a reusable credit line rather than a one-off loan, with prequalification that leaves no hard credit search on file. Its apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 sits well above the 10.5% typical for the wider market.
Score breakdown
| Area | Addi | KOHO |
|---|---|---|
| Cost | 9.5Higher | 8.5 |
| Offer | 9.0 | 9.2HigherA soft prequal check, a credit line and Funds deposited into your bank account the same business day. |
| Trust | 9.2Higher | 8.3 |
Feature by feature
| Loan types | Addi | KOHO |
|---|---|---|
| Personal | No | Yes |
| Credit line | Yes | Yes |
| BNPL | Yes | Yes |
How they place
| Ranking | Addi | KOHO |
|---|---|---|
| Lines of credit | 51 of 328 | 28 of 328 |
| Buy now, pay later | 12 of 88 | 6 of 88 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 29.14% for Addi and 19.9% to 34.9% for KOHO.
FINANZCHECK.de reviewWhere these facts come from
Addi
- co.addi.com: 14 facts, checked September 26, 2026
KOHO
- koho.ca: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Addi | KOHO |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Adelante Soluciones Financieras S.A.S. | KOHO Financial Inc. |
| Headquarters | Colombia | Canada |
| Support channels | Email, Phone, Help centre, Community | Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Addi | KOHO | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 19.9% to 34.9%highest quarter | 8.99 |
| Loan amount | Not confirmed | CA$1,000 to CA$15,000lowest quarter | CA$50,000 |
| Term | 1 to 6 monthslowest quarter | Not confirmed | 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
KOHO
Pros
- Apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 for the credit line
- A soft prequalification, so a credit check does not follow the first enquiry
- Funds deposited into your bank account the same business day
Cons
- Apr reaches 19.9% to 34.9% at the top of the range, above the 20% many rivals sit at
- Membership is limited to residents of Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia
- Support runs on chat, phone and help centre
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
KOHO
Who it suits
- Members in the provinces listed who are funding home improvement work
- Borrowers who expect to draw more than once rather than take a single loan
- People who want to see an offer before committing to a full credit check
Who should look elsewhere
- Anyone outside the listed provinces, who cannot open the account
- Borrowers chasing the lowest rate, since the top of the range is steep against the 20% mark
- Readers who prefer a direct lender, since KOHO sits in the broker minority on the site at 20.6%
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
KOHO
Current offer
Country by country
| Country | Addi | KOHO |
|---|---|---|
| Canada | No | Yes |
| Colombia | Yes | No |
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.
KOHO
What apr does KOHO charge on its credit line?+
The line of credit runs at an apr of 19.9% to 34.9%. That is well above the 10.5% recorded across credit lines on the site, so it pays to compare before you accept. The rate you are offered depends on your own profile.
How much can I borrow from KOHO?+
Borrowers can take CAD 1,000 to CAD 15,000 on the line of credit. That sits above the €885.74 typical amount in this category, which is useful if the work is more than a quick repair. Drawdowns come out of the limit rather than opening a new agreement.