Kredivo - Cicilan s/d 12 Bulan

2.7M 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 Rp30,000,000
- 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?

Fortunately, 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, Best Denki, Electronic City, IKEA, McDonald's and 1000+ 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. You can also buy pulsa/data, pay bills, buy game and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need.

Want to have a seamless online flight booking experience? You can book your flight ticket now and pay later, anywhere you wish, through Kredivo app. Right at your fingertips, you can find the cheapest flight tickets from various airlines, both domestic and international, including Garuda Indonesia, Batik Air, Citilink, and AirAsia.



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 has also been officially registered 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

Operations address: Rukan Permata Senayan E52-55, Jl. Tentara Pelajar No. 21, Grogol Utara, Kebayoran Lama, Jakarta 12210
Updated on
Jan 26, 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
2.7M reviews
verry kusral
January 6, 2023
Saya acung jempol. Ini saah satu aplikasi untuk kemudahan transaksi. Bisa topup pulsa atau bayar tagihsn. Sayang tidak ada fitur deposit. Jika saja ada, maka aplikasi bisa berfungsi ekstra. Hehehe... Persoalan pinjaman, itu lain cerita. This is one application for ease of transaction. I can top up cellular credit or pay bills. Unfortunately there is no deposit feature. If there is, then the application can have extra functionality. The issue of loans, that's another matter.
11 people found this review helpful
PT FinAccel Finance Indonesia
January 7, 2023
Halo Kak verry. Terima kasih ya sudah menggunakan Kredivo dan memberikan rating ini.
Ku2h Atmoko
December 21, 2022
Most unsafety application. Your account very easy used by another people and suddenly you receive invoice in which you must pay although you never do that transaction. Customer service doesnt' empathy and force you to pay that cheating transaction. Very bad.....
27 people found this review helpful
PT FinAccel Finance Indonesia
December 21, 2022
Hi Kak Atmoko, Maaf atas kendalanya. Data yang didaftarkan diamankan dengan enkripsi 256 byte setara Bank. Jika sebelumnya Kak Atmoko sudah hubungi CS kami dan laporan penyalahgunaan akun telah selesai di cek, maka akan dapat notifikasi di email terdaftar terkait hasilnya. Pastikan tidak memberikan data kepada pihak lain. Salam Hangat, Ario
Ridwan S
January 13, 2023
Bad costumer service on live chat apps. I used to ask about my account, why i cant transaction anymore. And the answer is just the same as before, 'transaction security issues' but cannot explain what it is or how it can be to me.
7 people found this review helpful
PT FinAccel Finance Indonesia
January 13, 2023
Hi Kak Ridwan, Maaf atas kendalanya. Jika transaksi Kak Ridwan tidak disetujui, biasanya karena isu keamanan transaksi. Sesuai kebijakan Kredivo setiap transaksi telah dilakukan proses penilaian. Silakan mencoba kembali secara berkala ya. Info lebih lanjut, hubungi kami di nomor 08071573348. :) Salam hangat, Elia