How do Kiwi's online personal loans work?

Kiwi offers online personal loans from $150 to $1,000* in Texas. They're unsecured loans, so you don't need collateral or a cosigner. You receive a fixed amount and repay it in fixed monthly installments at a fixed rate. Your loan amount and terms depend on our review and credit approval.

What do I need to apply for a personal loan in Texas?

You'll need to be 18 or older and have a Social Security number or ITIN, an active checking or savings account, and a valid government-issued ID. During our review, we look at your income and credit history as part of our internal criteria.

Can I apply for a loan with an ITIN?

Yes. In Texas, you can apply with your Social Security number (SSN) or your ITIN. We use it to verify your identity and review your application, which is subject to the same credit and income criteria.

What's the difference between a line of credit and a personal loan?

A personal line of credit is revolving credit: you borrow as needed up to a limit, like a credit card. A personal loan is an installment loan: you receive a fixed amount and repay it in fixed installments. Kiwi offers personal loans with fixed installments, not lines of credit.

Will applying affect my credit?

To review your application, Kiwi performs a soft credit inquiry (soft pull) with TransUnion and a hard inquiry with Clarity Services, a specialty credit reporting agency. Neither inquiry affects your FICO® Score.† The Clarity Services inquiry may appear on your Clarity Services report.

How do I receive my funds and make payments?

If you're approved, you'll receive your funds by direct deposit to your checking or savings account, typically within 1 business day.^ You can make your monthly payment with AutoPay or manually in the app, with no prepayment penalty.

What are Kiwi's interest rates?

Rates vary based on the applicant's profile and jurisdiction. Your loan has a fixed rate and fixed monthly payments, so you'll know your payment from the start.

Yes. Kiwi holds lending licenses in every state where it operates, including Texas (NMLS ID #2744486). We protect your information with encryption and industry-standard security protocols.

Personal Loans in Texas, 100% Online

Personal loans in Texas

Get a personal loan in Texas in 3 simple steps

01.

Complete your loan application

Enter your personal information and complete your application in minutes.

02.

Choose your loan amount

Select the amount you need and the loan term that best fits your situation, based on the options available for your profile.

03.

Receive your funds

If your application is approved, you'll receive your funds in your bank account by direct deposit.^

What you need to apply in Texas

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 or ITIN

Your SSN or ITIN lets us verify your identity and process your personal loan 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.

Meet the minimum age requirement

You must be 18 or older, the minimum age in Texas, to apply for a personal loan online.

Bank account

You'll need an active checking or savings account so we can review your income, deposit your funds if you're approved, 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.

Government-issued ID

A valid photo ID: driver's license, passport, government-issued ID, or permanent resident card.

Approval is subject to a credit review based on internal criteria, including income and credit history.

Benefits that can help you build your 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, based on each bureau's reporting cycle.

Automatic payments

Set up AutoPay to stay on track without worrying about missed 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 FICO® Score when you apply

We do a soft credit inquiry (soft pull) with TransUnion and a hard inquiry with Clarity Services. Neither affects your FICO® Score.†

A Texas personal loan designed for you

Fast

100% digital

The application is online, and you'll typically receive a decision within 1 business day. If you're approved, you'll receive your funds by direct deposit to your bank account.^

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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

Fixed payments, no surprises

Choose the loan term that works for you, with a fixed monthly payment and no prepayment penalty. Set up AutoPay and stop worrying about due dates.

Available 24/7

Full control from 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?

Home improvements

Cover repairs, maintenance, or improvements to your home.

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Car repairs

Cover unexpected costs, repairs, or maintenance for your vehicle, without putting your car up as collateral.

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Manage your finances

Combine your outstanding bills into one monthly payment with a clear repayment term.

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.

Unexpected expenses

Cover everyday surprises with an installment loan and a fixed monthly payment.

Medical expenses

Cover medical bills or other healthcare needs.

Expense summary for a trip: flight to San Juan for $320 on June 12, 2026, lodging for $450, and activities for $180.

Personal events or travel

Cover travel, celebrations, or other personal events.

More than 200,000 customers trust Kiwi

200,000+ customers

4.9 Google Play

4.7 App Store

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

Excelente servicio al cliente y muy útil esta aplicación para renovaciones de préstamos.

Nicole Gonzalez

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

Muy bueno y hace que la persona confíe en ellos.

Camelia Castro

Excelentes servicios ayudaron muchas gracias

Nicole Gonzalez

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

Lo mejor gracias por todo 💯

Olimpia Malavé

Excelente aplicación para solicitar un préstamo y controlar los pagos. Proceso fácil

Federico Sánchez

Online personal loan

Apply for up to $1,000*

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