KiwiCredito review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

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.

Key facts

Best for
US residents in licensed states borrowing a small amount over a short term.
APR
0% to 35% (Source, checked September 26, 2026)
Loan amount
$150 to $3,000 (Source, checked September 26, 2026)
Term
4 to 24 months (Source, checked September 26, 2026)
Arrangement fee
0 USD (no opening fees) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
1-3 business days after approval (Source, checked September 26, 2026)
Representative example
Kiwi Pay: $1,000 loan, 12-month term, 30% APR, $96.15 monthly, $1,153.80 total repaid (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18 or older (21 or older in Puerto Rico), US resident in a licensed state, valid bank account and official ID (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, BNPL (Source, checked September 26, 2026)
Legal entity
Kiwi Financial Group Inc. (Source, checked September 26, 2026)
Headquarters
Puerto Rico (Source, checked September 26, 2026)
Support channels
Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
kiwicredito.com

Pros and cons

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
  • Support runs on chat, email and phone

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
KiwiCredito

Ready to try KiwiCredito?

Scored 9.3 / 10 by BorrowCue.

See alternatives

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

How your money is protected

KiwiCredito is a direct lender, not a broker, so the agreement is with Kiwi Financial Group Inc. The legal entity sits in Puerto Rico, where its lending licence reads PPP-035. US lending runs under Florida licence CF9901648, Missouri licence 510-269804 and NMLS ID 2744486. The representative example shows a Kiwi Pay loan over a short term, repaid monthly with interest added.

How KiwiCredito compares

Where KiwiCredito is available

Available
Macao, Puerto Rico, United States
Licence in Puerto Rico
Puerto Rico (issuer not named on the site) (PPP-035), checked September 26, 2026
Licence in United States
Florida (issuer not named on the site) (CF9901648), checked September 26, 2026
Licence in United States
NMLS (National Multistate Licensing System) (2744486), checked September 26, 2026
Licence in United States
Missouri (issuer not named on the site) (510-269804), checked September 26, 2026

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

Frequently asked questions

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.

Are there opening fees?+

There are none: 0 USD (no opening fees) on the personal loan and credit line products. Early repayment is also free, so there is no charge for clearing the balance ahead of schedule.

How long are the terms?+

Terms run 4 to 24, which is short beside the site median of 36. The site median for personal loans is 48, so KiwiCredito is built for brief repayment rather than long borrowing.

What credit check do I face?+

The credit check is a soft prequalification, soft prequal. Many personal lenders run a hard search, which is the case for the 72.7% share of the market, so a soft check carries less risk to your file.

How quickly is money paid out?+

Funding takes 1-3 business days after approval. Same day payout is a common feature, covering the 82.9% share of lenders, so KiwiCredito suits planned borrowing rather than emergencies.

What can I apply for?+

Personal loans, a credit line and buy now pay later are all offered, with the credit line also listed as a feature. A credit line is offered by the 34.4% share of lenders.

Is KiwiCredito regulated?+

Yes. It holds a Puerto Rico lending licence, PPP-035, plus Florida, Missouri and NMLS registrations, the last being 2744486. It lends as a direct lender rather than a broker.

Sources

  • images-landing-kiwicredito.s3.amazonaws.com/Puerto+Rico+-... checked September 26, 2026

    Backs: Licences

  • kiwicredito.com checked September 26, 2026

    Backs: Features, Loan types

    “Credit Builder: Access a line of credit to protect what matters most while building your credit history with every on-time payment.”

  • kiwicredito.com/en-us/faqs checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Free early repayment, Funding time, Arrangement fee, Support channels, Term

    “You can apply for loans from $150 to $3,000.”

  • kiwicredito.com/en-us/prestamo-personal checked September 26, 2026

    Backs: APR, Lender type, Representative example

    “Kiwi Pay offers loans with repayment periods between 4 and 36 months. Annual Percentage Rates (APR) range from 0% to 35%, depending on the applicant's credit profile and state of residence. (stated...”

  • kiwicredito.com/en-us/state-licenses checked September 26, 2026

    Backs: Legal entity

    “Kiwi Financial Group Inc.”

  • kiwicredito.com/en-us/terms-use checked September 26, 2026

    Backs: Headquarters

    “Mailing Address: 151 San Francisco St. Ste 200 PMB 1123 San Juan, PR 00901-1607”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

KiwiCredito

KiwiCredito

US residents in licensed states borrowing a small amount over a short term.

9.3/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings