Kredivo - Cicilan s/d 24 Bulan

3.65M 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 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
Apr 17, 2024

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

3.62M reviews
Steve Wippel
February 14, 2024
Kredivo had a feature called Infinite Card. It lets users pay seamlessly on online purchases with unique Mastercard numbers and built-in CVV codes, just like credit cards. What makes it special is that Infinite Card is a BNPL method rather than a credit card. So it came with 0% of interest and seems promising. Sadly, Kredivo has discontinued this feature. I'm really sorry that I don't see any great potential again on this app after discontinuing Infinite Card.
128 people found this review helpful
PT Kredivo Finance Indonesia
February 14, 2024
Hi Kak Steve, Maaf atas kendalanya, saat ini fitur Infinite Card sudah tidak bisa digunakan untuk bertransaksi di Kredivo. Namun tidak perlu khawatir, Kak Steve masih bisa bertransaksi secara online menggunakan fitur Kredivo lainnya.Informasi lebih detail, silakan hubungi 08041573348, email ke Salam hangat, Yona
Andreas Kheng
March 31, 2024
this application is very helpful in a need of urgent cash, and this app also have association with tokopedia, and shopee. so we can get the things that we want from them first. after that we can make instalment, whether its 30 days, 60 days, and 90 days. and also there is a choice for free interest for installment.
5 people found this review helpful
PT Kredivo Finance Indonesia
March 31, 2024
Hi Kak Andreas, Terima kasih atas ratingnya :). Semoga Kredivo dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika memiliki kendala, silakan hubungi customer support di 08041573348 atau email ke menggunakan email yang terdaftar dan layanan live chat pada aplikasi. Salam hangat, Dina
Shinta Ban
February 21, 2024
At first it seemed so helpful but later my transaction has been rejected although I don't have any unpaid installments. No signs stated that my account is blocked or suspended. I still have the credit limit, but it is useless because literally can't make any transactions. Live chat is not helpful, it doesn't answer my questions.
24 people found this review helpful
PT Kredivo Finance Indonesia
February 21, 2024
Hi Kak Shinta, Maaf atas kendalanya. Jika transaksi Kak Shinta tidak disetujui, dikhawatirkan karena isu keamanan transaksi. Sesuai kebijakan Kredivo setiap transaksi telah dilakukan proses penilaian. Silakan mencoba kembali berkala dengan diberi jeda waktu ya. Info lebih lanjut, silakan hubungi kami di nomor 08041573348. Salam hangat, Yogi

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