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Affordable Loans that Build Credit.

Borrow up to $500 and repay over time. 

No hidden fees. No credit check. Build credit.

*Our loan application will NOT affect your FICO credit score.

Quick. Easy. Fair.

Short on rent? Car broke down? Paying for a special occasion? 

We understand that life happens, so we’ve got your back.

It takes under 3 minutes to get approved. Get cash deposited in your account in as soon as the same business day.
Build Credit.
We report your loan payment behavior to all three major credit bureaus to help you build your credit score.
No Credit Score Required.
We believe you are more than a score. Get approved for a loan with no credit history at all or even with bad credit.
Encrypted Platform.
Protecting your data is our top priority. We use 256-bit SSL encryption to keep your information safe.

1. Download the app

Our app is available in the Apple Store and Google Play Store.

2. Create an account in minutes

Follow a few steps so we can quickly verify your identity.

3. You are ready to cash out!

If approved, you will be able to get cash in your bank account in as soon as the same business day.

How it Works

Create an account in under 3 minutes and, if approved, get instant access to cash.

Our Story

The financial system in the US is broken. There are an estimated 67 million people who do not have access to traditional credit products from financial institutions. Consumers who need it the most have no access to fair credit. Instead, they are being taken advantage of by abusive subprime lenders, charging them rates of over 400% on loans and often times leaving consumers in toxic debt cycles. These subprime lenders include payday lenders, car title lenders, pawn shops and other forms of expensive short-term credit. 


Our mission is to promote financial inclusion by providing access to affordable capital, help build credit and improve the financial literacy of our users. As users repay our loans on time and build creditworthiness with us, we provide for larger loans, longer repayment terms, and at lower interest rates.

Ready to join Kiwi?

*Our loan application will NOT affect your FICO credit score.