Kredivo - Paylater & Pinjaman

PT Kredivo Finance Indonesia

About this app

Proof that Kredivo is #Sefleksibelitu (read until the end!)

Loan products: Pay in one month and installment plans with tenors of 3, 6, 9, 12, 18, and 24 months.

Interest rates: 0% interest and no admin fee for Pay in one month, and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment. The maximum Annual Percentage Rate (APR) is 41.51%.

Maximum limit: Up to IDR 50,000,000.

Example: If you apply for an installment of IDR 4,000,000 for 12 months with an interest rate of 1.99% per month, the monthly payment will be IDR 412,950, with a total repayment amount of IDR 4,955,400.

Do you want to shop online in installments but don’t have a credit card? Or do you need quick loans for emergency situations, but too many hassles or have been rejected before?

You can use Kredivo as an online credit line provider that offers installment without credit card as well as personal loans.

The registration process for loans and online installments on Kredivo only takes 5 minutes, with a relatively fast approval process. Once approved, you can immediately shop on installments using Kredivo at Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald’s, and more than 10,000 other merchants across Indonesia, with just two clicks.

Planning to buy a new smartphone? Kredivo Paylater can be used like a smartphone installment app or a no-down-payment credit app. You can easily pay in installments or apply for online credit without a credit card to purchase Xiaomi Redmi Note 14, Samsung Galaxy A26, Samsung Galaxy A55, VIVO Y18, OPPO A3 Pro, and other Android smartphones.

For example, if you want to purchase a smartphone priced at around IDR 3 million at Erafone or other merchants, you can use Kredivo Paylater, which offers greater flexibility along with 0% installment promotions.

Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink, AirAsia, and many other airlines. Want to buy furniture or shop for fashion? All of it can be paid for using 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, 9, 12 and 18-month installment.

So, what do you think? Kredivo really is #Sefleksibelitu, isn’t it?

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 & SECURED
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!

◉ NO INTEREST, ADMIN FEE, AND DOWN PAYMENT
No fees for payments in the next one month! You pay the exact price amount. Plus, there is no down payment for all Kredivo services.

Have feedback for us? Email us at [e-mail]
or by phone at 0804-1-573348.

Head Office Address:
Dipo Tower Level 3 Unit A–B, Jalan Jenderal Gatot Subroto No. Kav. 51–52, RW.7, Central Jakarta, Special Capital Region of Jakarta 10260.

Customer Service Office Address:
Kredivo Building, 3rd Floor, Jl. Tomang Raya No. 1, RT.2/RW.1, Jatipulo, Palmerah District, West Jakarta, Special Capital Region of Jakarta 11430.

Ratings and reviews

I love this app, but the only thing that annoys me is the log in page. They provide no alternative login other than putting in your phone number and PIN, which sometimes people may forget the phone number they used or even the PIN password. Suggestions for future app update, please allow one-click Google verification login so that it would be easier for us to access our account.

A couple of months ago the app did not work on Oppo Find N5 Fold. It was auto close even though the internet network was OK. Nowadays the app is much better and does work well. Keep up the good work.

First time use for transaction a bit uncomfort as the total fee is beyond expectation but for the second transaction was okay.