Kredivo - Cicilan s/d 12 Bulan

3.3M reviews
Content rating
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About this app

Proofs that Kredivo is the most flexible payment:
- Loan products: Buy Now Pay Later and 3, 6, 12-month installment
- Interest rate: 0% interest for Paylater up to 3 months, 2.6% interest per month for 6 and 12 month installment or a maximum annual rate of 53.36%
- Limit: maximum limit up to Rp50,000,000
- Example: If you choose a 12-month installment to pay a transaction worth Rp1,000,000 Kredivo charges an interest rate of 2.6% per month. The repayment amount that must be made per month is Rp109,340 and the total payment after a year is Rp1,312,080

Want to shop online on installment but don't have a credit card?
Need quick loans for emergency situations?
Want to apply for credit but too many hassles or have been rejected before?

Luckily, Kredivo is here for you as an online credit line provider that offers installment without credit card as well as personal loans.

Kredivo is an award-winning app (Google Play Best Apps of 2017) that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few hours. If approved, you can directly shop online on installment using Kredivo “buy now and pay later” on Tokopedia, Lazada, Bukalapak,, Erafone, H&M, Electronic City, IKEA, McDonald's and 3000+ other merchants with just 2 clicks.

Want to buy a new mobile phone? You can buy it online, no credit card needed and zero down payment, by choosing Kredivo as a payment method at your favorite merchant. Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink and AirAsia. Want to buy furnitures? Fashion items? You can buy anything, anywhere with Kredivo.

You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need.

No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:


Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.


Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!


Kredivo offers one of the lowest interest rates in the market. Plus, there is no down payment charged for all Kredivo services.

Have feedback for us? Email us at or call 0807-1-573348.

Business address: Dipo Tower Level 3 Unit A-B, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260

Customer service office address: Gedung FinAccel Lantai 3, Jl. Tomang Raya No.1, RT.2/RW.1, Jatipulo, Kecamatan Palmerah, Kota Jakarta Barat, Daerah Khusus Ibukota Jakarta 11430
Updated on
Nov 24, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.28M reviews
Elly Marliana
November 25, 2023
Although the credit limit is enough it will not allow you to make purchases on Tokopedia. Not only that but my account was blocked because of "violation of terms of service" although I ordered what was legal and allowed (i.e. handphone). I didn't violate any terms of service. I hope they will fix this problem. If I can't use it for shopping on Tokopedia then it's useless for me.
10 people found this review helpful
PT Kredivo Finance Indonesia
November 26, 2023
Hi Kak Egon, Maaf atas kendalanya. Jika akun Kredivo Kak Egon tertangguhkan, dikhawatirkan karena isu keamanan transaksi atau keamanan akun. Mengenai setiap transaksi telah dilakukan penilaian oleh Kredivo ya. Pengecekan lebih lanjut, silakan hubungi Tim Support di 08041573348 atau email ke Salam hangat, Elia
Ken Huang
October 18, 2023
Very Nice Credit Plan Application.. Love it.. Simple & Easy to use.. But 2 things that i didn't like, my Credit score before was A+, but when i did full payment for the Paylater, My credit score become B.. And Hopefully Kredivo can see our payment and make the loan limits bigger than before in a shorter time or faster.. Because sometimes we want to buy something that exceeds our limit, while we want to use the services of Kredivo but can't. I hope Kredivo can make innovations in this Regard. Thx
91 people found this review helpful
PT Kredivo Finance Indonesia
October 18, 2023
Hi Kak Ken, Maaf atas kendalanya. Skor Kredit merupakan gambaran profil finansial pengguna selama menjadi pengguna Kredivo. Nilai skor terdiri dari 5 tipe dari A, B, C, D dan E berdasarkan pertimbangan Tim Analis. Kak Ken dapat menjaga skor dengan bertransaksi aktif dan tepat waktu dalam pembayaran tagihan. Salam hangat, Nino
Regina Kencono Putri
November 5, 2023
User friendly and the terms for applying for credit are not as difficult as other applications. Fast disbursement, approximately 1 hour and practical payments by virtual account transfers. But for the loan, the admin fees & interest are quite large for me. Nice, safe application to use.
5 people found this review helpful
PT Kredivo Finance Indonesia
November 5, 2023
Hi Kak Regina, Maaf atas kendalanya. Perihal pinjaman tunai yang dikelola oleh KrediFazz dapat diajukan akun Basic di tenor 3 bulan bunga 4% perbulan & Premium di tenor 3 & 6 bulan bunga 2,6% perbulan serta admin 6% dipotong dari dana yang dikirim ke rekening Kak Regina. Info lanjut hubungi KrediFazz di +622150890517. Salam hangat, Erfan

What's new

"Cause in a sky, in a sky full of stars...
I think I see .... new Kredivo's updates."

Viva La Pulsa~ Buying Pulsa also even CHEAPER with Flash Sales stand by around broke weeks!

Say what now? Let's update!

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