Kredivo - Cicilan s/d 12 Bulan

4.6
3.1M reviews
10M+
Downloads
Content rating
Everyone
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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, Tiket.com, Erafone, Best Denki, 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:

◉ 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 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
Sep 21, 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

4.6
3.08M reviews
Riv Alry
September 9, 2023
the best loan/finance app out there, and by a long shot! low interest rate, flexible, and transparent. neat interface, super helpful and useful for my daily needs. keep on the awesome work guys!
11 people found this review helpful
PT Kredivo Finance Indonesia
September 9, 2023
Hi Kak Riv, Terima kasih atas ratingnya :). Semoga Kredivo dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika memiliki kendala, silakan hubungi customer support di 08071573348 atau email ke support@kredivo.com menggunakan email yang terdaftar dan layanan live chat pada aplikasi. Salam hangat, Dina
Steve Wippel
July 17, 2023
I'm very upset with this app. Sometimes, the app crashes when paying for my loan. I usually use payment methods with BNI or SeaBank. But, the app crashed when I was asking for a request for VCN. Thanks to me for always saving the VCN code for payment with SeaBank. Sometimes, this issue is solved when resetting the app many times, but it took forever. Please, Kredivo, fix this issue immediately! So I could easily switch my payment method using other bank account.
35 people found this review helpful
PT Kredivo Finance Indonesia
July 17, 2023
Hi Kak Steve, Maaf atas kendalanya. Jika yang dimaksud pada saat melakukan pembayaran tagihan mengalami kendala pada aplikasi, mohon kesediaan Kak Steve kirimkan tampilan kendala ke email kami support@kredivo.com. Pada saat pembayaran kamu bisa cek nomor virtual pada email terdaftar serta ikuti instruksi cara pembayaran. Salam hangat, Nia
Sylvia Santa
September 23, 2023
Been using this app for a year. And all my transactions are pay later and 3 months installment. Good apps, so far no complaint. Easy to use and details information how to apply also available. Keep up the good work
2 people found this review helpful
PT Kredivo Finance Indonesia
September 23, 2023
Hi Kak Sylvia, Terima kasih atas ratingnya :). Semoga Kredivo dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika memiliki kendala, silakan hubungi customer support di 08071573348 atau email ke support@kredivo.com menggunakan email yang terdaftar dan layanan live chat pada aplikasi. Salam hangat, Dina

What's new

Update incoming!

Now you can take a cash loan up to 80% of your limit, say whaaat!

Shopping at your favourite merchant also getting easier, because there is a new payment method with QRIS. Just check the merchant details page!

Let's update.

App support