Kiwi

Kiwi is a U.S.-based fintech platform that provides unsecured lines of credit and alternative credit-builder programs to Latino consumers. The company offers a fully digital loan application and mobile experience, automated underwriting and fast decisions (about 1 business day), and disburses funds via bank transfer or ATH Móvil (Puerto Rico) within 24–48 hours. Kiwi reports payment activity to major credit bureaus (TransUnion, Experian, Equifax) to help users build credit history and focuses on improving access to responsible, short-term consumer credit for underserved Hispanic communities in the United States, including Puerto Rico.