Odiru review

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

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Our verdict

Odiru is a Colombian lender built around a revolving credit line, so it suits borrowers with a good credit history who draw only what they need. Money moves in About 24 business hours (ACH interbank transfer), so plan around the bank transfer rather than an instant payout.

Key facts

Best for
A free-to-apply revolving credit line for Colombian borrowers with a good credit history.
Arrangement fee
0 - no upfront charge, applications 100% free (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
About 24 business hours (ACH interbank transfer) (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Colombian resident aged 18+; bank account in own name open more than 6 months; personal mobile and email; good credit history; application form (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Lemon Colombia S.A.S. (Source, checked September 26, 2026)
Headquarters
Colombia (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
odiru.com

Apps and profiles

Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • Money arrives in About 24 business hours (ACH interbank transfer), and it moves as a bank transfer rather than a card payment.
  • Support runs on email, phone and chat, so you can email, phone, chat or use the help centre.
  • The credit bar is good, so an imperfect file can still qualify if the history is clean.

Cons

  • The rate is variable, so the interest can move and the final cost is not fixed at the start.
  • A hard credit check runs on your file, and a full search stays on your record for a while.
  • The range is narrow: credit line is the only product, so a fixed instalment loan is not on offer.
Odiru

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Scored 9.5 / 10 by BorrowCue.

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Who it suits

  • Colombian residents of adult age with a good credit history and a bank account in their own name.
  • Borrowers who want a revolving line rather than a set instalment, and who can wait for an interbank transfer.
  • People who prefer to sort a query by phone, with email, phone and chat covering calls and chat.

Who should look elsewhere

  • Anyone who needs the money today. Odiru funds in About 24 business hours (ACH interbank transfer), so Plazo ES is the one to check when speed beats a revolving line.
  • Borrowers after a set repayment plan. Odiru carries credit line alone, so Cashspace is the other option worth comparing.
  • Anyone who wants a fixed price for the life of the borrowing, since the line is variable and Vivus ES is the alternative to look at.

Safety and regulation

Odiru is a direct lender: it lends to you directly rather than passing your application to other lenders, so the contract and the credit decision stay with one company. In Colombia the market sits under the Superintendencia de Industria y Comercio. Read the agreement before you draw, and check the repayment terms that apply to your line.

Who runs it

The service runs under Lemon Colombia S.A.S., based in Colombia. Questions are handled on email, phone and chat, so you can email, phone, chat or use the help centre. The same legal name should appear on the contract you sign, so check it before you accept and keep a copy of the terms.

How Odiru compares

Where Odiru is available

Available
Colombia
Licence in Colombia
Superintendencia de Industria y Comercio, checked September 26, 2026

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

Frequently asked questions

Does Odiru charge to apply?+

No. The origination fee is 0 - no upfront charge, applications 100% free and the percentage taken at origination is 0%, so putting in an application is free. The cost sits in the interest instead, and the rate is variable, which means it can move rather than staying set for the life of the line.

Who supervises the lender?+

Odiru is a direct lender, so your application is assessed by the company you apply to and the contract sits with it rather than a broker. In Colombia the business falls under the Superintendencia de Industria y Comercio. Keep a copy of what you sign and read the early repayment terms before you draw.

Who can apply?+

You need to be a Colombian resident of adult age, with a bank account in your own name that has been open a while, a personal mobile number and email, and a good credit history. The credit bar Odiru works to is good, and the application itself is a short form.

Will applying hurt my credit file?+

Odiru runs a hard credit check, so a full search is carried out and the result stays on your record for a while. A soft pre-check is not offered, which means you only learn where you stand once the full check has run.

How fast do I get the money?+

Funding takes About 24 business hours (ACH interbank transfer). The money moves over the interbank rails, so the timing depends on the banking system rather than an instant push, and a weekend or bank holiday in Colombia can stretch the wait.

What product is this?+

Odiru offers a revolving credit line, listed as credit line. You draw what you need, pay interest on what you use, and the available amount rises again as you repay. It is not a set instalment loan, so there is no single monthly payment to budget around.

How do fees compare with the other lenders here?+

Odiru is free to apply, and the alternatives are too: Cashspace shows an origination fee of 0, Vivus ES 0 EUR and Plazo ES 0 EUR. On upfront cost nothing separates them, so the choice comes down to rate type, product type and how fast the money lands.

Sources

  • odiru.com checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

  • odiru.com/preguntas-frecuentes checked September 26, 2026

    Backs: Credit check, Credit needed, Eligibility, Features, Funding time, Loan types, Arrangement fee, Origination fee (%), Rate type, Support channels

    “No! Todas tus solicitudes son 100% gratuitas”

  • sic.gov.co checked September 26, 2026

    Backs: Licences

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Term, Representative example.

Odiru

Odiru

A free-to-apply revolving credit line for Colombian borrowers with a good credit history.

9.5/10See alternatives

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