# Kiwi Credito

> Kiwi is a fintech company that helps underbanked Latinos in the United States build credit history and access responsible credit through AI-powered financial tools.

Founded in 2020 by Mariano Sanz and Alexander Schachter, both originally from the Dominican Republic, Kiwi was created to address the financial challenges faced by Hispanic consumers in the U.S. who have limited or no credit history. The company is headquartered in San Juan, Puerto Rico, and has served more than 100,000 consumers.

Latinos make up nearly 20% of the U.S. population and contribute over $4 trillion to the economy annually, yet remain vastly underserved by mainstream financial institutions. Kiwi is purpose-built to close that gap by providing tools and resources to establish credit and secure access to capital.

## Products

- [Personal Loans](https://www.kiwicredito.com/en/prestamo-personal): 100% digital personal loans from $150 to $3,000 with flexible installment payments. Decisions within 1 business day, funds disbursed in 1-2 business days. Applying does not affect your FICO score.
- [Credit Builder](https://www.kiwicredito.com/en/credit-builder): Build credit history starting at $5/month for 10 months while accessing financial education courses. Payments are reported to all three major credit bureaus (TransUnion, Experian, and Equifax).
- [Kiwi Pay](https://kiwipay.co/): Point-of-sale financing product available through participating U.S. merchants. Buy now, pay later with terms from 4 to 36 months and APRs from 0% to 35% depending on credit profile.
- [Credit Monitoring](https://www.kiwicredito.com/en/monitoreo-historial): Free access to TransUnion credit report and score for active Kiwi customers. Track credit progress and protect against fraud.

## How It Works

- [Apply for a Loan](https://app.kiwicredito.com/login): Create an account, complete the application in minutes, select your loan amount within your approved limit, and receive funds via bank transfer or ATH Movil (Puerto Rico).
- [FAQs](https://www.kiwicredito.com/en/preguntas): Common questions about loan amounts, payment methods, application process, and fund disbursement.
- [State Licenses](https://www.kiwicredito.com/en/state-licenses): Currently licensed to operate in Puerto Rico, Florida, Utah, Missouri, and Texas.

## Key Benefits

- Zero impact on credit score when applying
- Reports payments to TransUnion, Experian, and Equifax
- 100% digital experience via mobile app and web
- 256-bit SSL encryption for data security
- 24/7 customer support via chat
- Automatic payment options (AutoPay)
- No prepayment penalties
- Bilingual support (English and Spanish)

## Target Audience

Kiwi primarily serves Latino consumers in the United States who:

- Have limited or no credit history (thin-file borrowers)
- Need to build or rebuild their credit score
- Are excluded from traditional banking and lending services
- Need access to small-dollar loans for everyday expenses or emergencies
- Want to improve their financial literacy

## Company Information

- [About Kiwi](https://www.kiwicredito.com/en): Company overview and mission
- [Careers](https://www.kiwicredito.com/en/carreras): Job opportunities at Kiwi
- [Referral Program](https://www.kiwicredito.com/en/referidos): Earn up to $500 by referring friends who get approved for personal loans

## Legal

- [Terms of Use](https://www.kiwicredito.com/en/terms-use)
- [Privacy Policy](https://www.kiwicredito.com/en/privacy-policy)
- [State Licenses](https://www.kiwicredito.com/en/state-licenses)
- [Mobile App Privacy Notice](https://www.kiwicredito.com/en/privacy-mobile)

## Contact

- Customer Support: support@kiwicredito.com
- Phone: +1-787-490-2004
- [Live Chat](https://app.kiwicredito.com/redirect?flow=/live-chat): 24/7 customer support
- Physical Address: 33 Resolution Street, Suite 803-A, San Juan PR 00920

## Optional

- [Facebook](https://www.facebook.com/kiwicredito): Company updates and community
- [Instagram](https://www.instagram.com/kiwicredito): Social media presence
- [App Store](https://apps.apple.com/us/app/kiwi-cr%C3%A9dito/id1488345108): iOS mobile application
- [Google Play](https://play.google.com/store/apps/details?id=com.kiwwi.android): Android mobile application