# Kiwi

> Kiwi (also known as Kiwi Crédito) is a fintech company that helps underbanked Latinos in the United States build credit history and access responsible credit through AI-powered financial tools. Kiwi offers 100% online personal loans in Puerto Rico, Florida, Texas, Utah, and Missouri.

Founded in 2020 by Mariano Sanz and Alexander Schachter, both originally from the Dominican Republic, Kiwi was created to address the financial challenges faced by Hispanic consumers in the U.S. who have limited or no credit history. The company is headquartered in San Juan, Puerto Rico, and has served more than 100,000 consumers. Legal name: Kiwi Financial Group, Inc. (NMLS ID 2744486).

Latinos make up nearly 20% of the U.S. population and contribute over $4 trillion to the economy annually, yet remain vastly underserved by mainstream financial institutions. Kiwi is purpose-built to close that gap by providing tools and resources to establish credit and secure access to capital.

## Key Facts

- Loan amounts: from $150 to $3,000 for new customers, and from $500 to $3,000 for returning customers. Amounts and terms vary by state of residence and are subject to credit approval.
- Applying does not affect your FICO® Score: Kiwi runs a soft pull with TransUnion and an inquiry with Clarity Services.
- Decision in 24 to 48 hours, as long as the application is complete and accurate.
- Funds are sent by direct deposit to a checking or savings account. In Puerto Rico, funds can also be received through ATH Móvil.
- Payments can be made with AutoPay, in the mobile app, by phone, or through ATH Móvil (Puerto Rico only).
- Kiwi reports payment history to all three major credit bureaus: TransUnion, Equifax, and Experian.
- Kiwi is regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico and is licensed to lend in Florida, Texas, Utah, and Missouri.
- Service is available in Spanish and English.

## Products

- [Personal Loans](https://www.kiwicredito.com/en-us/prestamo-personal): 100% online personal loans from $150 to $3,000 with fixed installment payments. Can be used for personal expenses such as home or car repairs, medical bills, education, or consolidating debt into a single payment.
- [Credit Builder](https://www.kiwicredito.com/en-us/credit-builder): Build credit history with every on-time payment. Payments are reported to TransUnion, Experian, and Equifax.
- [Kiwi Pay](https://kiwipay.co/en-us): Buy now, pay later financing at participating merchants in Puerto Rico and Florida, with terms of up to 36 months. Applying does not affect your FICO® Score.

## Personal Loans by Location

- [Puerto Rico](https://www.kiwicredito.com/en-us/personal-loans-puerto-rico): Personal loans for Puerto Rico residents, from $150 to $3,000.
- [Texas](https://www.kiwicredito.com/en-us/prestamos-personales-texas): Personal loans for Texas residents.
- [Florida](https://www.kiwicredito.com/en-us/prestamos-personales-florida): Personal loans for Florida residents.
- [Utah](https://www.kiwicredito.com/en-us/prestamos-personales-utah): Personal loans for Utah residents.
- [Missouri](https://www.kiwicredito.com/en-us/prestamos-personales-missouri): Personal loans for Missouri residents.

## How It Works

- [Apply for a Loan](https://app.kiwicredito.com/login): Create an account on the web app or mobile app, complete the application in minutes, and receive a decision once the review is finished.
- [FAQs](https://www.kiwicredito.com/en-us/faqs): Common questions about loan amounts, requirements, payments, credit reporting, and fund disbursement.
- [State Licenses](https://www.kiwicredito.com/en-us/state-licenses): Kiwi's lending licenses in Puerto Rico, Florida, Texas, Utah, and Missouri.

## Key Benefits

- Applying does not affect your FICO® Score
- Reports payments to TransUnion, Experian, and Equifax
- 100% digital experience via mobile app and web
- Bank-level encryption and security systems to protect personal and financial data
- 24/7 virtual chat support in the mobile app
- Automatic payment options (AutoPay)
- No prepayment penalties
- Bilingual support (Spanish and English)

## Target Audience

Kiwi primarily serves Latino consumers in the United States who:

- Have limited or no credit history (thin-file borrowers)
- Need to build or rebuild their credit score
- Are excluded from traditional banking and lending services
- Need access to small-dollar loans for everyday expenses or emergencies
- Want to improve their financial literacy

## Company Information

- [About Kiwi](https://www.kiwicredito.com/en-us): Company overview, products, and mission
- [Blog](https://www.kiwicredito.com/en-us/blog): Practical guides on credit, personal loans, and personal finance
- [Careers](https://www.kiwicredito.com/en-us/careers): Job opportunities at Kiwi
- [Contact](https://www.kiwicredito.com/en-us/contact): Customer support options

## Legal

- [Terms of Use](https://www.kiwicredito.com/en-us/terms-use)
- [Privacy Policy](https://www.kiwicredito.com/en-us/privacy-policy)
- [Mobile App Privacy Disclosure](https://www.kiwicredito.com/en-us/privacy-mobile)
- [State Licenses](https://www.kiwicredito.com/en-us/state-licenses)

## Contact

- Customer Support: support@kiwicredito.com
- Phone: +1-787-490-2004
- Phone hours (Atlantic Standard Time): Monday to Friday 8:00 AM–8:00 PM; Saturday 8:00 AM–5:00 PM; Sundays and holidays 9:00 AM–2:00 PM
- Chat: 24/7 virtual chat in the Kiwi mobile app
- Mailing Address: 151 Calle de San Francisco, Ste 200, PMB 1123, San Juan, PR 00901-1607

## Spanish Version (Versión en español)

Spanish is the primary language for most Kiwi customers.

- [Inicio](https://www.kiwicredito.com/): Préstamos personales 100% en línea
- [Préstamos personales](https://www.kiwicredito.com/prestamo-personal): Préstamos de $150 a $3,000
- [Préstamos personales en Puerto Rico](https://www.kiwicredito.com/prestamos-personales-puerto-rico)
- [Preguntas frecuentes](https://www.kiwicredito.com/preguntas)
- [Blog](https://www.kiwicredito.com/blog): Guías de crédito, préstamos y finanzas personales

## Optional

- [Facebook](https://www.facebook.com/kiwicredito): Company updates and community
- [Instagram](https://www.instagram.com/kiwicredito): Social media presence
- [LinkedIn](https://www.linkedin.com/company/kiwi-credito): Company page
- [TikTok](https://www.tiktok.com/@kiwicredito): Short-form content
- [App Store](https://apps.apple.com/us/app/kiwi-cr%C3%A9dito/id1488345108): iOS mobile application
- [Google Play](https://play.google.com/store/apps/details?id=com.kiwwi.android): Android mobile application

Last updated: October 29, 2026