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Affordable Loans that Build Credit.

Borrow up to $1,000 and repay over time. 

No hidden fees. Good credit is not required. Build credit.

Apply / Access your Account Below

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 a maximum of 12 business hours to evaluate your loan application and you get the money deposited in your account within 1 to 3 business days.
We require verification of income for a minimum of $750 per month.

The approved amount depends on the financial profile of each person. It is possible to start with a limit of $250 to $500 the first loan, which can go up to $1,000 in future loans by creating history with us.
Build Credit.
We report payments to Transunion and Equifax to build your credit history.

We believe that you are more than a punctuation. You can qualify for our loans without having any credit history 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.