How do Kiwi loans work?

Kiwi offers personal loans from $150 to $3,000 for new customers, and from $500 to $3,000 for returning customers. The approved amount depends on a review of your ability to repay and your credit profile, and may vary by your state of residence.

Does applying affect my credit score?

No, applying does not affect your FICO® Score. To review your application, Kiwi runs a soft pull with TransUnion and an inquiry with Clarity Services; neither one impacts your FICO® Score.

What states does Kiwi operate in?

Kiwi is licensed to lend in Puerto Rico, Florida, Utah, Texas and Missouri. Maximum amounts and terms vary by state. See the current list of licenses .

What's the difference between a personal loan and Kiwi Pay?

With a personal loan, the money is deposited into your bank account and you decide what to use it for. With Kiwi Pay, you finance a specific purchase at a participating merchant, and Kiwi sends the funds directly to the merchant, not to you.

How do I make my loan payments?

If you turn on AutoPay, your payment is debited automatically each month from your bank account. You can also pay manually in the mobile app, by phone or, if you live in Puerto Rico, through ATH Móvil.

Does Kiwi report my payments to the credit bureaus?

Yes. Kiwi reports your payment history to all three major credit bureaus: TransUnion, Equifax, and Experian. Every on-time payment helps build your credit history.

Yes. Kiwi protects your information with bank-level encryption and security systems, and follows strict protocols for handling personal and financial data. Kiwi is regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico, and is licensed to lend in Florida, Utah, Texas and Missouri.