Kueski Funding, Investors & Competitors

Upgrade is a San Francisco-headquartered fintech company delivering personal loans, home improvement financing, auto loans and refinancing, plus credit cards that convert to fixed-rate installment plans. Its offerings extend to high-yield savings and rewards checking accounts, credit monitoring services, and educational resources for credit management. Upgrade Shopping provides cashback rewards at participating retailers to complement card benefits. Founded in 2017, the platform targets mainstream consumers with accessible banking and credit products.

Klarna is the largest pure-play in the buy now, pay later space. The company operates a two-sided network with a payment method at its core, but it is ultimately a lender. Merchants sign up with Klarna to increase turnover in their stores. Primarily, Klarna can provide merchants with higher conversion rates and average order values relative to other payment methods. Some merchants enter a symbiotic relationship with Klarna, advertising its brand on the product page to drive conversion and to benefit from Klarna’s brand value in the merchant’s sales funnel. Customers use Klarna for its ease of use, quick access to credit, zero-interest financing, and lower reminder fees.

Sezzle Inc is a financing institution that offers technology-driven payment platform. It allows customers to split their purchase into four installments and pay over 6 weeks with only the first payment due at the time of purchase. Companies operations comprise one reportable segment, the majority of which derives revenue from payment processing platform in North America.

Zip is a credit provider operating two segments: Australia and New Zealand, and the US. Founded in Australia in 2013, it has over 6 million active customers and partners with over 85,000 merchants. In Australia, Zip positions itself as a credit card alternative, with several revolving credit products. Customers can carry the balance over time with a monthly fee and set their own repayment schedule. The US and New Zealand offering is a far more vanilla BNPL offering: Pay-in-4 in New Zealand and Pay-in-Z in the US, where customers pay back in fixed instalments. The US segment is built on the 2020 acquisition of QuadPay and has recently become Zip’s largest and fastest-growing segment.

Kredivo Group is a Jakarta-based fintech conglomerate formerly FinAccel, providing digital credit services across Southeast Asia through Kredivo, KrediFazz, and Krom brands. Its flagship Kredivo app delivers buy-now-pay-later options for e-commerce platforms like Tokopedia and Shopee in Indonesia and Vietnam, with limits up to IDR 30 million based on real-time AI underwriting. The group processed over USD 2 billion in transactions in 2022.

Jio Financial Services Ltd is a core investment company, non-deposit taking, systemically important (CIC-ND-SI). Along with its subsidiaries, joint ventures, and associates, it is engaged in the business of Investing and Financing, mainly Leasing, Insurance broking, Payment Bank, Payment Aggregator, and Payment Gateway services.

Jiedaibao is a Beijing-headquartered mobile platform launched in 2015 for peer-to-peer lending and borrowing. The app allows users to set independent interest rates, automatically generates legal electronic contracts, and sends reminders for repayments and expirations, supporting flexible personal loan arrangements.

Mynt is a Philippines-based digital finance super app from Globe Telecom, Ayala Corporation, and Ant Financial. Launched in 2017 as GCash operator via Mynt, it provides payments, remittances, microloans, business tools, and open platforms. Manila-headquartered, Mynt serves 80 million users with GSave deposits, GInsure policies, and GCredit lending. It leads Southeast Asia's mobile wallet market through QR payments and biller networks.

Plata is a Mexico City-based fintech providing a no-annual-fee Mastercard credit card and buy-now-pay-later service. The platform offers up to 15% customizable cashback in partner categories, interest-free installments, Apple Pay support, and 24/7 fraud monitoring. Plata Difiere extends installment credit up to MXN 200,000 over 3-24 months without cards. Users manage digital cards and top-ups via app or cash at OXXO stores, targeting underserved consumers in Mexico's digital payments market.

Lendable is a London-based peer-to-peer lending marketplace matching individual investors with personal loan borrowers in the United Kingdom. The platform processes applications in minutes without paperwork, funding loans from investor deposits.

CRED is a members-only platform in India for managing credit card bills with rewards for timely payments. Users access an app that tracks spending across multiple cards, sends reminders, and offers exclusive deals from luxury brands like Louis Vuitton and Mercedes-Benz. Bengaluru-headquartered and launched in 2018, CRED processes billions in bill payments monthly. It partners with over 200 banks including HDFC and ICICI, providing cashback and premium membership perks.

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Creditas is a São Paulo-headquartered fintech offering asset-backed consumer loans through its app to 5 million Brazilians. Borrowers pledge autos, motorcycles, or home equity for credit lines up to 200,000 reais at rates 40% below market averages. Operating in 1,600 cities since 2012 rebrand from BankFacil, it partners with BV and Itaú for funding, disbursing 10 billion reais yearly with AI underwriting.

Ualá is an Argentine fintech company offering a mobile-based financial ecosystem that includes Mastercard prepaid and debit cards, credit cards, savings accounts, personal loans, investment products, insurance, and merchant payment services. Founded in 2017 by Pierpaolo Barbieri and headquartered in Buenos Aires, the platform originally launched as a prepaid card provider and has since expanded into a full-service digital banking operation. Ualá serves over 11 million customers across Argentina, Mexico, and Colombia, with roughly one in five Argentine adults holding an account. The company acquired Mexican bank ABC Capital, granting it a local banking license to offer deposit and lending products in that market. Backed by investors including Allianz X, SoftBank, Tencent, Goldman Sachs Asset Management, and Soros Fund Management, Ualá reached a valuation of $3.2 billion following a $195 million funding round in March 2026.

Capri Global Capital Ltd provides financial services. The company is engaged in providing loans to Micro, Small and Medium Enterprises (MSMEs), providing long term finance for the construction of residential houses, retail lending, gold loan, and ancillary services. It generates maximum revenue from the interest income. Geographically, it operates only in India.

Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).

HDFC Credila is a Mumbai-based non-banking financial company specializing in education loans for Indian students pursuing studies abroad and domestically. It disburses customized loans up to ₹1.5 crore with home delivery options and online applications, covering tuition, living expenses, and travel. Servicing 200,000 loans annually, Credila partners with 1,500 institutions including Harvard and IITs.