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Personal loans in Puerto Rico

Apply for up to $3,000* in minutes.
Simple, 100% online process.
Applying won't affect your FICO® Score.
Subject to credit approval.*
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Young man in a cap looking at his phone.
Marcos
$3,000
Personal Loan
Personal loans

Apply for a personal loan in 3 simple steps

01.
Complete your application
Enter your personal information and complete your application in minutes.
02.
Choose your loan amount
Choose the loan amount and terms that best fit your needs.
03.
Get your money
Once approved, receive your funds in your bank account or instantly through ATH Móvil.

What you need to apply

Card with Social Security number 123-45-6789 highlighted with a green background and a checkmark, with text indicating it is found on your Social Security card (SSN).Card with Social Security number 123-45-6789 highlighted with a green background and a checkmark, with text indicating it is found on your Social Security card (SSN).

Social Security Number

Your SSN lets us verify your identity and process your application securely.
Date of birth entry form with May 15, 1995 selected, a green confirmation message indicating you meet the minimum age, and text stating you must be 18 or older to apply for a loan.Date of birth entry form with May 15, 1995 selected, a green confirmation message indicating you meet the minimum age, and text stating you must be 18 or older to apply for a loan.

Meet the minimum age requirement

You must meet your state's minimum age requirement to apply for a personal loan online.
Bank account user interface with Nation Bank selected, showing the last four digits 4567 and a ‘Registered bank account’ confirmation message.Bank account user interface with Nation Bank selected, showing the last four digits 4567 and a ‘Registered bank account’ confirmation message.

Bank account

You'll need an active bank account to receive your loan funds and set up AutoPay.
Official ID section showing a selected option for Driver's License expiring on 03/31 and a button to change document.Official ID section showing a selected option for Driver's License expiring on 03/31 and a button to change document.

Official ID

A valid photo ID, such as a driver's license, passport, government-issued ID, or green card.
Approval is subject to a credit review based on our internal criteria, including income and credit history.

Benefits that help you build credit

Cards featuring the logos of credit reporting agencies Experian, TransUnion, and Equifax; each shows a green indicator and the word 'Reporting' highlighted, along with the word 'Updated' in gray.

We report to the credit bureaus

Your payments are reported to Experian, TransUnion, and Equifax.
Autopay interface with the Spotify logo and a $9.99 monthly cost, showing a calendar with the 1st highlighted in blue and an enabled toggle switch for autopay.

AutoPay

Set up AutoPay to stay on track without worrying about due dates.
Screen showing no impact on your score, with the message 'No impact on your score' and the current score at 687, up 24 points this month.

No impact on your credit score when you apply

We use a soft credit inquiry, so applying won't affect your credit score.

A personal loan built around you

Fast

100% digital

Apply online and receive a decision within 1 business day. Once approved, your funds arrive in your bank account in 24 to 48 hours.
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A family of three lying on the grass, laughing and enjoying time together, wearing blue clothing and with curly hair.
Flexible

Flexible payments

Choose the payment terms that best fit your needs. Set up AutoPay to help keep your payments on track.
Available 24/7

Manage your loan in the app

Check your application status, review your loan details, and contact customer service whenever you need to.
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What can you use it for?

User interface for home improvements with a blue house icon, 'Home improvements' text, and a slider to select the loan amount at $3,000, with a range of $500 to $10,000.
01.

Home improvements

Cover repairs, maintenance or upgrades around your home.
Dark blue card with a checklist: Change tires, Engine repair and General maintenance.
02.

Car repairs

Cover unexpected repairs or maintenance on your vehicle.
List of expenses with three items: Rent with a house icon and $800 cost, Internet with a cursor icon and $50 cost, Electricity with a lightning bolt icon and $60 cost, each with toggles turned on.
03.

Managing your finances

Simplify your finances or consolidate multiple bills into one payment.
Digital interface for university tuition with a slider to adjust the loan amount, currently at $2,500, with a minimum of $500 and a maximum of $10,000.
04.

College expenses

Cover tuition, supplies or other costs for college or trade school.
Interface showing medical expenses with a total of $285 this month and a $75 doctor's visit expense.
05.

Medical expenses

Cover medical bills and other healthcare expenses.
Expense summary for a trip: flight to San Juan for $320 on June 12, 2026, lodging for $450, and activities for $180.
06.

Life events and travel

Cover the cost of trips, celebrations or other personal events.

Thousands of customers in Puerto Rico trust Kiwi

80K+ customers in Puerto Rico
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4.9 Google Play
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4.7 App Store
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Me aprobaron el préstamo para ayudarme a hacer crecer mi historial crediticio gracias a los creadores de la app kiwi crédito junto a su equipo son lo máximo Dios los bendiga siempre
Magnific Boys
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Excelente servicio al cliente y muy útil esta aplicación para renovaciones de préstamos.
Nicole Gonzalez
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Han sido espectaculares en todo, desde la aplicación y el desembolso hasta el servicio al cliente. Tengo 2 y en las dos me han concedido el upgrade en cantidad. Los recomiendo!!!
Niria Morales
Camelia Castro
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Muy bueno y hace que la persona confíe en ellos.
Camelia Castro
Nicole Gonzalez
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Excelentes servicios ayudaron muchas gracias
Nicole Gonzalez
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Todo muy bien, siempre responden cualquier duda y gracias a ellos mi crédito ha subido mejor de lo que esperaba y seguiré con ellos mientras pueda.💪
Vilmarie Camacho
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Lo mejor gracias por todo 💯
Olimpia Malavé
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Excelente aplicación para solicitar un préstamo y controlar los pagos. Proceso fácil
Federico Sánchez
Online personal loan

Apply for up to $3,000*

Apply for your personal loan in minutes, 100% online.
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Frequently asked questions

The questions we get asked most, before you get started
How do Kiwi loans work?
How do I make my loan payments?
Is Kiwi safe?
How do I apply for a personal loan?
How will I receive my loan funds, and how can I make payments?
What are Kiwi's interest rates?
What can I use my personal loan for?
How do I contact customer support?