Kredivo - Installment Without Credit Card and Loan

Want to shop online but don't have a credit card?
Need personal loan for emergency situations?
Too much hassles to apply for credit 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 loan.

Kredivo is an award-winning app (Google Play Best Apps of 2017) that evaluates your creditworthiness in real time. The registration process of the loan and online installment is just 1 minute 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, Shopee, Lazada, Bukalapak, Blibli, and 200+ 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, and take personal loans inside the Kredivo app directly. One stop financing solution to cater your every need.

Kredivo offers you two payment options: Buy Now Pay Later with 0% interest, and three, six or 12-month installments with the lowest interest rate among other non-bank credit sources: 2.95% per month or a maximum annual rate of 41.74%. Get a transaction limit of up to Rp 30,000,000.

The credit simulation example is as follows:

If you choose a 12-month installment to pay a transaction worth Rp 2,000,000 Kredivo charges an interest rate of 2.95% per month. The repayment amount that must be made per month is Rp 206,710 and the total payment after a year is Rp 2,480,450.

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!

Have feedback for us? Email us at

Business address: Rukan Permata Senayan E52-55, Jl. Tentara Pelajar No. 21, Grogol Utara, Kebayoran Lama, Jakarta 12210

Permissions needed in the app:

Kredivo requires your mobile's IMEI to reject duplicate applications via the same mobile device.

App will scan through contacts to build out the user's social graph and use this for the credit approval decision

App will automatically read verification code sent via SMS to expedite the registration process

App will scan through call logs to check against known fraud users and calculate out calls' duration and use these for credit approval decision

App will provide better security for your account, and also send timely promotions
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What's New

- Selected basic users can now take Mini Loan, new line of personal loan with shorter tenure and smaller loan amount. Premium users can take a bigger, Jumbo Loan!
- User experience improvements and bug fixes
- Optimizations on Flights module
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Additional Information

November 24, 2018
Current Version
Requires Android
4.1 and up
Content Rating
Offered By
FinAccel Pte Ltd
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