Kredivo - Cicilan s/d 12 Bulan

2.84M 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

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
May 31, 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

2.82M reviews
Nana Adam
May 19, 2023
Using Kredivo helps a lot for quick payment, no hassle, offers installments, the registration was easy too. The App itself has nice interface, easy to use. So far, the service is Good, keep up the good work.
4 people found this review helpful
PT Kredivo Finance Indonesia
May 19, 2023
Hi Kak Nana, 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 menggunakan email yang terdaftar dan layanan live chat pada aplikasi. Salam hangat, Dina
Aliya Fathma Najihati
May 24, 2023
It worked just fine until yesterday. Suddenly now when I open the app, there's only pitch-black screen. I already tried uninstall it and then re-install it again, I have also kept the app in the most updated version, but to no avail. Please help!
6 people found this review helpful
PT Kredivo Finance Indonesia
May 25, 2023
Hi Kak Aliya, Maaf atas kendalanya. Pastikan jaringan internet Kak Aliya dalam keadaan stabil saat mengakses aplikasi Kredivo. Jika masih mengalami kendala, kamu bisa reinstall aplikasi Kredivo terlebih dahulu atau mengirimkan bukti kendala ke email kami di menggunakan email terdaftar ya. Salam hangat, Fera
Teguh Sutrisno
April 19, 2023
for 2 years I have never had a problem using this application, so far there have never been any payment problems. I paid off the loan, with the intention of borrowing it again, why wasn't it approved, and after that the application couldn't be used for shopping. there's no point in giving a big limit but can't use it. the team of analysts can be wiser in giving judgments. I have complained via the cs application, there are absolutely no wise answer, the answer is repeated security issues.
27 people found this review helpful
PT Kredivo Finance Indonesia
April 19, 2023
​Hi Kak Teguh, Maaf atas kendalanya. Jika pengajuan transaksi Kak Teguh tidak disetujui, karena setiap transaksi dilakukan penilaian sesuai kebijakan Kredivo. Silakan coba kembali melakukan pengajuan transaksi secara berkala ya. Info lebih lanjut, silakan hubungi kami di nomor 08071573348, email ke Salam hangat, Firman

What's new

Are you known for NOT having cash in hands?

If yes,

Now you can just walk to the nearest coffee shop, pay with QRIS (while at it, I can redeem my points and voucher too!)

Online payments also getting easier for streaming services and ecommerce,
you just activate Infinite Cards which is connected to your Kredivo Limit. It’s 100% safe too!

We also improved easier change PIN process and discover your favorite merchant easily

Let's update!