Kredivo - Paylater & Pinjaman

4.7
4.34M reviews
50M+
Downloads
Content rating
Everyone
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About this app

Proofs that Kredivo is the most flexible payment:
- Loan products: Pay next month and 3, 6, 12, 18 and 24-month installment
- Interest rate: 0% interest for pay in next month and starting from 1.99% per month for 3, 6, 12, 18 and 24 month installment or a maximum annual rate of 41.51%
- Limit: maximum limit up to Rp50,000,000
- Example: If you choose a 12-month installment to pay a transaction worth IDR 4,000,000 Kredivo charges an interest rate of 1.99% per month. The repayment amount that must be made per month is IDR 412,950 and the total payment after a year is IDR 4,955,400

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 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 on installment using Kredivo “buy now and pay later” on Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 4000+ 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 with 3, 6, and 12-month installment.

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

◉ SIMPLER AND FASTER

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.

◉ SAFE AND SECURE

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!

◉ 0% INTEREST & WITHOUT DOWN PAYMENT

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 support@kredivo.com or call 0804-1-573348.

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
Jun 26, 2025

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 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.7
4.31M reviews
dedy muhammad
June 15, 2025
It's good for convenience and all, and the interest is also light, but unfortunately my account was permanently blocked just because of an issue, even though I've never been late with payments, I often pay them all at once
2 people found this review helpful
PT Kredivo Finance Indonesia
June 15, 2025
Hi Kak Dedy, Maaf atas kendalanya. Jika akun Kredivo Kakak tertangguhkan, dikhawatirkan karena isu keamanan transaksi atau isu keamanan akun. Mengenai setiap transaksi telah dilakukan penilaian oleh Kredivo. Pengecekan lebih lanjut, silakan hubungi tim support kami di nomor 08041573348, email ke support@kredivo.com. Salam hangat, Damian
didil mlbb
June 7, 2025
for 2 days, this app is blank if i opened. i don't know why dan what. i try uninstall this app and then i install again, but not long time this app is blank dan bug again where my signal is not bad, my signal is very well. please help me to handle it. you have to repair this app. thank u
6 people found this review helpful
PT Kredivo Finance Indonesia
June 7, 2025
Hi Kak didil, Maaf ya atas kendalanya. Silakan Kakak coba re-install aplikasi Kredivo, pastikan versi terbaru dan jaringan stabil. Jika masih terkendala, Kakak dapat lakukan clear cache atau hubungi customer support Kredivo di 08041573348. Salam Hangat, Dina
Y. Christabel
June 17, 2025
can't withdraw to a digital wallet with "NAMA TIDAK SAMA" reason, even though I've never experienced this before and I often used this feature, please fix it
PT Kredivo Finance Indonesia
June 17, 2025
Hi Kak Yuttama, Maaf atas kendalanya. Perihal transaksi dompet digital pastikan akun dompet digital yang diinput milik pribadi sesuai yang tertera di akun Kredivo. Nantinya setiap transaksi akan dilakukan pengecekan oleh tim terkait. Info 08041573348. Salam hangat, Yogi

What’s new

Make sure you always get the best experience on Kredivo with this app update. Let’s update now!

App support

Phone number
+622157940940
About the developer
PT. KREDIVO FINANCE INDONESIA
support@kredivo.com
Dipo Tower 3rd Floor Unit A-B Jl. Jend. Gatot Subroto Kav. 51 Kota Administrasi Jakarta Pusat DKI Jakarta 10260 Indonesia
+62 822-8046-6145

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