Addi
Addi provides consumer credit for installment purchases and tools for merchants that want to offer installment payments at checkout.
What Addi is
Addi provides consumer credit for installment purchases and tools for merchants that want to offer installment payments at checkout. Customers in Colombia can apply digitally through the app using a national ID and WhatsApp, then use Addi in physical stores, online stores, or its marketplace of more than 1,600 partner merchants. Repayment is available through PSE, Nequi, or cash. Cupo offers one to six installments, including three installments at 0% interest for eligible customers; Crédito Grande covers a single purchase over six to 24 installments. For October 2026, consumer credit rates range from 0% E.A. to 28.49% E.A. based on customer risk profile, and 0% offers depend on eligibility. Optional FGA guarantee fees range from 0% to 20% plus VAT, depending on purchase amount and customer profile. Merchants can add Addi's widget or checkout to ecommerce stores or social media and create payment links. The merchant portal supports sales and payment management and reports. Listed merchant integrations include Jumpseller, Shopify, WooCommerce, Magento, Tienda Nube, Sumer, VTEX, and Prestashop.
Good
- Available in physical stores, online, and its marketplace
- Marketplace lists more than 1,600 partner merchants
- Repayment options include PSE, Nequi, and cash
- Merchants pay when they sell, with no monthly fee
Watch out
- Consumer rates vary by customer risk profile
- 0% offers depend on eligibility
- Optional FGA fees can reach 20% plus VAT
Who it suits
Addi serves consumers in Colombia who want to buy in installments and merchants who want to offer installment credit at checkout. Its merchant tools include checkout integrations, payment links, and a portal for sales and payment management.
Verdict
Addi connects consumer installment credit with merchant checkout and payment tools. Consumers should review the applicable rate and any optional guarantee fee, while merchants can check the listed integration options.
Plans and prices
From Addi's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Crédito Grande | Priced on request | 6 to 24 installments · for a single purchase |
| Cupo | Priced on request | 1 to 6 installments · 3 installments at 0% interest for eligible customers |
The facts
Each one read from Addi's own pages, with the date it was checked.
What it does
- Data privacy
- Addi's personal data policy says it is issued under Colombian Laws 1266 of 2008 and 1581 of 2012 and related regulations.checked 7 Oct 2026
- Fraud guidance
- Addi says it never asks customers to share passwords or codes and warns that no one should charge money to activate a credit limit.checked 7 Oct 2026
- Intended users
- Addi serves consumers buying in installments and merchants that want to offer installment credit at checkout.checked 7 Oct 2026
- Interest rates
- For October 2026, consumer credit rates range from 0% E.A. to 28.49% E.A. based on customer risk profile, and 0% offers are subject to eligibility.checked 7 Oct 2026
- Marketplace
- The Addi app marketplace offers purchases from more than 1,600 partner merchants.checked 7 Oct 2026
- Merchant fees
- The merchant page says there are no monthly fees and merchants pay when they sell with Addi.checked 7 Oct 2026
- Merchant integrations
- Merchants can add Addi's widget and checkout to an ecommerce store or social media and create payment links.checked 7 Oct 2026
- Merchant portal
- The Addi merchant portal supports sales and payment management, reports, and payment link generation.checked 7 Oct 2026
- Merchant support
- Addi says merchant support is available every day from 8 a.m. to 9 p.m.checked 7 Oct 2026
- Repayment options
- Customers can pay installments through PSE, Nequi, or cash.checked 7 Oct 2026
- What it does
- Addi provides consumer credit that lets customers buy now and pay in installments.checked 7 Oct 2026
- Where to use it
- Customers can use Addi in physical stores, online stores, and Addi's marketplace.checked 7 Oct 2026
The company
- Headquarters
- Bogotá, Colombiachecked 28 Sep 2026
Where it runs
- How to apply
- Customers can apply digitally through the app using their national ID and WhatsApp.checked 7 Oct 2026
Money
- Other credit costs
- Optional FGA guarantee fees range from 0% to 20% plus VAT, depending on purchase amount and customer profile.checked 7 Oct 2026
