Updated September 28, 2026 · BorrowCue Editorial Team
KiwiCredito vs Kredivo
KiwiCredito vs Kredivo: the differences
| Compare |  KiwiCredito |  Kredivo |
|---|---|---|
| APR | 0% to 35% | 0% to 41.51% |
| Loan amount | $150 to $3,000 | IDR 1,000,000 to IDR 50,000,000 |
| Term | 4 to 24 months | 1 to 24 months |
| Arrangement fee | 0 USD (no opening fees) | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans |
| Credit check | Soft prequal | Hard |
| Funding time | 1-3 business days after approval | Application in 5 minutes, account decision within 1x24 hours |
| Representative example | Kiwi Pay: $1,000 loan, 12-month term, 30% APR, $96.15 monthly, $1,153.80 total repaid | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total |
| Eligibility | 18 or older (21 or older in Puerto Rico), US resident in a licensed state, valid bank account and official ID | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Lender type (Direct lender), Loan types (Personal, Credit line, BNPL).
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Key differences
- KiwiCredito is licensed in 1 more country.
- KiwiCredito is available in 2 more countries.
- Features: only Kredivo offers Same day funding.
Our verdict on each
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.
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
Score breakdown
| Area | KiwiCredito | Kredivo |
|---|---|---|
| Cost | 9.5 | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. |
| Offer | 9.0HigherFees 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. | 8.7 |
| Trust | 9.2 | 9.2 |
Ranges side by side
| Fact | KiwiCredito | Kredivo |
|---|---|---|
| APR | 0% to 35% | 0% to 41.51% |
| Term | 4 to 24 months | 1 to 24 months |
Side by side, item by item
| Loan types | KiwiCredito | Kredivo |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | Yes |
| BNPL | Yes | Yes |
How they place
| Ranking | KiwiCredito | Kredivo |
|---|---|---|
| Personal loans | 318 of 1932 | 84 of 1932 |
| Lines of credit | 60 of 328 | 12 of 328 |
| Buy now, pay later | 15 of 88 | 4 of 88 |
Every fact side by side
| Fact | KiwiCredito | Kredivo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Kiwi Financial Group Inc. | PT Kredivo Finance Indonesia |
| Headquarters | Puerto Rico | Indonesia |
| Support channels | Chat, Email, Phone, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | KiwiCredito | Kredivo | Median |
|---|---|---|---|
| APR | 0% to 35%lowest quarter | 0% to 41.51%lowest quarter | 8.99 |
| Term | 4 to 24 monthslowest quarter | 1 to 24 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
Who each suits
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
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR range
Current offers
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
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
Source, checked September 26, 2026
Country by country
| Country | KiwiCredito | Kredivo |
|---|---|---|
| Indonesia | No | Yes |
| Macao | Yes | No |
| Puerto Rico | Yes | No |
| United States | Yes | No |
Questions about each
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.
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
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