Addi

What Addi is

Addi provides consumer credit for buying goods now and repaying in installments. Customers in Colombia can apply digitally through the app with a national ID and WhatsApp, then use Addi at physical stores, online stores, or in its app marketplace, which brings together more than 1,600 partner merchants. The Cupo option allows 1 to 6 installments, including 3 installments at 0% interest for eligible customers. Crédito Grande covers a single purchase over 6 to 24 installments. For October 2026, consumer credit rates range from 0% E.A. to 28.49% E.A. according to the customer’s risk profile; 0% offers depend on eligibility. Optional FGA guarantee fees range from 0% to 20% plus VAT, depending on purchase amount and customer profile. Installments can be paid through PSE, Nequi, or cash.

Merchants can offer Addi through a widget or checkout on an ecommerce store or social media, and can create payment links. The merchant portal provides sales and payment management, reports, and payment link generation. Listed merchant platforms include Jumpseller, Shopify, WooCommerce, Magento, Tienda Nube, Sumer, VTEX, and Prestashop. Merchant support is available every day from 8 a.m. to 9 p.m. Addi is headquartered in Bogotá, Colombia, and its apps are available on Android and iOS, alongside its web service.

Who it suits

Addi suits consumers in Colombia who want to pay for purchases in installments and can apply through the app using a national ID and WhatsApp. It also serves merchants looking to offer installment credit at checkout, accept payment links, and manage sales and payments through a portal.

Limits

Cupo runs from 1 to 6 installments, with 3 installments at 0% interest only for eligible customers. Crédito Grande covers one purchase over 6 to 24 installments. Rates and optional FGA guarantee fees vary by customer profile and purchase amount.

Getting started

1. Visit https://co.addi.com/.
2. For consumer credit, use the app on Android or iOS and apply digitally with a national ID and WhatsApp.
3. Choose Cupo for 1 to 6 installments or Crédito Grande for a single purchase over 6 to 24 installments.
4. For merchant use, add Addi's widget or checkout to an ecommerce store or social media, or create payment links.
5. Use the merchant portal to manage sales and payments, view reports, and generate payment links.

Verdict

Choose Addi if you are a consumer in Colombia seeking installment credit or a merchant wanting to offer it at checkout. Consumers should review the rate tied to their risk profile and any optional FGA guarantee fee; merchants should request pricing details.