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† The request will not affect your FICO® score. Kiwi can get information from a traditional credit agency but it won't affect your FICO® score. Our credit decision on your application may be based in whole or in part on information obtained from a consumer reporting agency, TransUnion.

Product Terms: All products are subject to eligibility and approval by Kiwi Financial Inc., also known as “Kiwi Credit” and “Kiwi”. Eligibility for a product is not guaranteed. Approval of loans depends on a credit evaluation. Loan details may fluctuate depending on the state and the applicant, and are subject to change. The account's payment history is reported to certain credit agencies. Prequalification will not affect your credit score with credit reporting agencies. The most common personal loan amounts range from $350 to $3,000 for new customers, and $500 to $3,000 for returning customers, based on previously approved loan data that doesn't necessarily reflect current terms. Loan amounts may vary depending on the applicant's state of residence.

Kiwi Pay is available only through participating U.S. merchants. Certain merchants, products, and services may not be eligible. Loan terms range from 4 to 36 months. Annual Percentage Rates (APR) vary from 0% to 35%, depending on the merchant and your credit profile. Each loan is subject to separate credit approval and is not an open line of credit. Displayed estimated spending limit is for representative purposes only. Your Approved Spending Limit is a point-in-time estimate of how much you may be able to spend on purchases, is not guaranteed, and is impacted by a number of factors. Each transaction is separately reviewed for approval by Kiwi and its merchants. Example: For a $1,000 loan with a 12-month term at 30% APR, monthly payments would be $96.15, with a total repayment of $1,153.80. Actual terms will vary. Additional terms and conditions apply. For full program details, please see the Kiwi Pay Terms and Conditions.

Information about the financial company: For Loans, Kiwi has loan licenses in PR, FL, UT and MO. Puerto Rico Residents: Small Personal Loan Act License #PPP -035; Florida Residents: License #FT340001254; Utah Residents ID NMLS: 2085809; Missouri Residents #510-269804.

* All products are subject to eligibility and approval by Kiwi Financial Inc. Maximum loan amounts and terms vary by state. Not all customers are approved for the maximum limit and it depends on credit checks and earning capacity.

** The loan referral program is open to any consumer who registers on the Kiwi website or mobile application and who resides in states where we have licenses and offer our services. Eligible loan referrers will not receive a referral bonus for any other Kiwi product. The referral program is valid only for clients whose referral has been approved and a personal loan has been disbursed. For more information, please see our referral policy. Find the terms and conditions.

^{^} Disbursement of funds normally occurs within 1 business day after approval, but it can take up to five days. The estimated time of 4 minutes to complete our loan application is based on ideal scenarios, where applicants have a favorable credit history and are well versed in the use of digital technologies. This time may vary depending on different factors, including the need to verify revenues or challenges related to the technological interface. Under certain circumstances, such as the need for additional documentation or technical difficulties, the application process could take a significant amount of time, extending to several hours or, in exceptional situations, to several days.

†† Lack of Available Program for Covered Borrowers: Our company does not currently offer a credit program designed to meet specific requirements and protections for covered borrowers under the Military Loan Act (MLA). This decision is based solely on the absence of an appropriate program and not on your credit worthiness or personal financial situation. Therefore, Kiwi cannot provide lending services to individuals protected by the MLA. To verify if someone is under the protection of the MLA, we request a report from a national consumer reporting agency. Additionally, we formulated the above question as an additional precautionary measure to ensure compliance with MLA regulations. According to the MLA, the term “service member” generally refers to a person who actively serves as a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, under orders that do not specify a period of 30 days or less. “Dependent” generally includes the spouse of a service member, their children under 18, or anyone else to whom the service member has provided more than half of their support in the past 180 days. To determine if you are covered by the MLA, you are invited to make a single registration inquiry through the site official website of the MLA.

§ Credit Monitoring is a product available only to those users who have an active product with Kiwi, either a personal loan or Credit Builder. The product is not accessible to customers without an active product.

All trademarks and brand names are the property of their respective owners. Their use does not imply any affiliation or endorsement on their part.

Physical Address: Kiwi Financial Inc. 33 Resolution Street, Suite 803-A, San Juan PR 00920

Mailing Address: 151 Calle de San Francisco Ste 200 PMB 1123 San Juan, PR 00901-1607

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