Kredivo - Cicilan s/d 12 Bulan

2.63M 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
Dec 5, 2022

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
2.63M reviews
Dina bik Dani
November 13, 2022
It used to be good, but how they solved the failure payments problem very confusing. As the transaction was never happened from the merchant and I got same reply, that the transaction was never happened!!! And in the end after endless ping pong here and there I have to pay for something that I never get. Because they're not helpful at all!!
24 people found this review helpful
PT FinAccel Finance Indonesia
November 13, 2022
Hi Kak Dina, Maaf atas kendalanya. Jika akun Kak Dina terdapat penyalahgunaan dari pihak lain silakan hubungi CS di nomor 08071573348 dengan menjelaskan kronologis yang dialami. Selalu berhati-hati dengan pihak yang mengatasnamakan Kredivo. Pastikan tidak memberikan PIN dan detail akun kepada siapapun ya. Salam Hangat, Ario
Jihan Aninta
October 29, 2022
This app help people but not how they solved the problem. The tenor date changed, its getting earlier 2 - 3 days, when its should be 30, it can be on 28 or 29. Credit score isn't available and not shown on the app and I've checked there isnt. Please before reply our comment, better recheck your internal. Thank you.
122 people found this review helpful
PT FinAccel Finance Indonesia
October 29, 2022
Hi Kak Jihan, Maaf atas kendalanya. Setiap tagihan akan jatuh tempo 30 hari setelah Kak Jihan melakukan transaksi dan per 30 hari dari tanggal jatuh tempo terakhir untuk cicilan. Perihal skor Kredit sedang dalam peningkatan layanan maka tidak tersedia pada aplikasi. Info lebih lanjut, silakan hubungi kami di 08071573348. Salam hangat, Erfan
Gede Agung Wijaya
October 14, 2022
This is my first time using Kredivo. Overall i'm satisfied, it's easy and fast. And the app itself is good, no problem so far. It takes only 30 minutes from downloading the apps, register, submit my loan details, and get the money transfered to my bank account. I will update this review later when i finish this loan.
16 people found this review helpful
PT FinAccel Finance Indonesia
October 15, 2022
Hi Gede. Terima kasih ya sudah menggunakan Kredivo dan memberikan rating ini.