Kredivo - Cicilan s/d 12 Bulan

2.34M 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
Jun 22, 2022

Data safety

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2.34M reviews
David Tirangga
June 14, 2022
Bad Customer Service! When try to speak with Leader incharge, they just close the phone directly without any information. Need more training how to assist customer with pleasant manner. Remember, phone call is consider money and time.
32 people found this review helpful
PT FinAccel Finance Indonesia
June 15, 2022
Hi Kak David, Maaf atas kendalanya. Kredivo tidak bertanggung jawab atas kesalahan tujuan nomor VA pembayaran ya. Kami akan bantu konfirmasi pada pihak penerima dana namun tidak menjanjikan pengembalian dana, semua berdasarkan itikad baik penerima. Silakan Kak David tetap lakukan pembayaran sesuai yang tertera. :) Salam hangat, Ernest
eka jaya Harsono
March 26, 2022
The customer service is very bad. I always paid the amount requested within the deadline. Have a+ credit yet my transaction is rejected. The cs sounds like a recorded message which simply refer us to try again and again and again. Very annoying. Better pay all of the outstanding and unisntall this apps completely.
260 people found this review helpful
PT FinAccel Finance Indonesia
March 26, 2022
Hi Kak Eka, Maaf atas kendalanya. Mimin cek transaksi Kak Eka tidak disetujui karena terkendala isu keamanan atau berisiko tinggi. Silakan coba secara berkala. Pastikan kembali transaksi yang Kakak proses sudah sesuai dengan ketentuan yang berlaku di Kredivo karena akan melewati proses pengecekan tim terkait. Salam hangat, Tiffany :)
June 29, 2022
Very helpful in a smart situation....but so bad when you're late...the bills is 2x high then it's supposed to be. Be Careful to use it.
PT FinAccel Finance Indonesia
June 29, 2022
Hi Kak Dyan, Maaf atas kendalanya. Jika ada keterlambatan pembayaran maka akan dikenakan bunga dan denda keterlambatan 10% per 30 hari. Jadi apabila ada keterlambatan antara 1-30 hari akan dikenakan biaya keterlambatan yang sama. Silakan Kak Dyan bayarkan sesuai nominal yang tertera ya. Salam hangat, Erfan :)