Kredivo - Cicilan s/d 12 Bulan

2.53M 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
Sep 9, 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
2.53M reviews
Gus Dzikrillah
September 10, 2022
The problem arose when I bought an item but the item was lost on the expedition. The refund is not 100% so the bill still appears, so that the credit limit has not been returned, and makes me unable to use the Flexi Card to make purchases
16 people found this review helpful
PT FinAccel Finance Indonesia
September 10, 2022
Hi Kak Gus, Maaf atas kendalanya. Jika terdapat pembatalan transaksi, kami sarankan Kak Gus menghubungi merchant terkait. Apabila merchant setuju membatalkan pembayaran transaksi secara keseluruhan maka saldo kamu akan dikembalikan dengan estimasi 7-14 hari kerja. Jika masih terkendala silakan hubungi 0807-1-573348. Salam hangat, Daela
Edward Yanuar
August 15, 2022
Applying for a bank loan is literally something common to me because I'm used to running business. And definitely yes I have no issue with the bank chargin me for lending me the money. But when the cost of borrowing the money increases that fast, like on this app, I was like, really, Kredivo? I thought you're better than that, man. I have never had problems with your interest rates. I have never paid late as well, of course. It's your right to make the price go up, but please, don't be too high.
27 people found this review helpful
PT FinAccel Finance Indonesia
August 16, 2022
Hi Kak Edward, Maaf atas kendalanya. Sebagai informasi, transaksi di Kredivo tenor 30 hari dan cicilan 3 bulan bebas biaya bunga atau sama dengan 0%, namun transaksi cicilan 3 bulan Kak Edward akan dikenakan biaya admin 3%. Sedangkan untuk transaksi cicilan 6 dan 12 bulan hanya akan dikenakan bunga 2,6% per bulan. :) Salam hangat, Ernest
Sweety Plantstation
September 13, 2022
They don't even approve my new loan after i have paid for the previous one 2 months earlier. Thank you so much scam app :). They don't even reply from the chat, they just runaway.
6 people found this review helpful
PT FinAccel Finance Indonesia
September 14, 2022
Hi Kredipal. Maaf atas kendalanya. Jika pengajuan pinjaman tunai yang disediakan dari KrediFazz ditolak, dikhawatirkan karena melanggar syarat ketentuan. Silakan Kakak ajukan kembali dengan nominal lebih rendah dan tenor lebih singkat. Nantinya seluruh transaksi akan dicek oleh tim terkait :) Salam Hangat, Darla