Kredivo

The tenors, the usage, the merchants, Kredivo's that flexible!

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 Rp50,000,000

- 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?

Luckily, 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, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 3000+ 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. Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink and AirAsia. Want to buy furnitures? Fashion items? You can buy anything, anywhere with Kredivo.

You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need.

No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:

◉ SIMPLER AND FASTER

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.

◉ SAFE AND SECURE

Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!

◉ 0% INTEREST & WITHOUT DOWN PAYMENT

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 0804-1-573348.

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

What's New in the Latest Version 3.35.1

Last updated on Apr 17, 2024

Minor bug fixes and improvements. Install or update to the newest version to check it out!

Overview

Kredivo is a leading digital credit platform in Southeast Asia, providing instant and affordable credit to consumers and businesses. With its innovative technology and user-friendly interface, Kredivo has become a trusted partner for millions of users seeking financial flexibility and convenience.

Instant Credit Access

Kredivo offers a seamless and quick credit approval process. Users can apply for a loan within minutes through the mobile app or website, with no paperwork or collateral required. Once approved, the credit limit is instantly credited to their Kredivo account, allowing them to make purchases and access funds whenever needed.

Flexible Repayment Options

Kredivo provides flexible repayment options tailored to the user's financial situation. Customers can choose from installment plans ranging from 3 to 12 months, with low monthly payments that fit their budget. Additionally, users can make partial payments or settle their balance in full at any time without any prepayment penalties.

Wide Acceptance

Kredivo is widely accepted at over 1 million merchants and e-commerce platforms across Southeast Asia. Users can use their Kredivo credit to make purchases online, in-store, or even pay for utility bills and other services. The platform's extensive merchant network ensures convenience and flexibility for everyday spending.

Rewards and Benefits

Kredivo rewards its loyal users with a variety of benefits and discounts. Users earn points on every transaction, which can be redeemed for cashback, vouchers, or exclusive rewards from partner merchants. Additionally, Kredivo offers regular promotions and exclusive deals to enhance the user experience.

Security and Reliability

Kredivo employs robust security measures to protect user data and transactions. The platform is PCI DSS compliant and uses advanced encryption technologies to ensure the confidentiality and integrity of financial information. Kredivo also collaborates with reputable financial institutions to provide reliable and secure credit services.

Customer Support

Kredivo provides exceptional customer support through multiple channels, including live chat, email, and social media. The dedicated support team is available 24/7 to assist users with any queries, resolve issues, and provide guidance on financial management.

Financial Inclusion

Kredivo plays a vital role in promoting financial inclusion in Southeast Asia. By providing accessible and affordable credit, the platform empowers consumers and businesses to overcome financial barriers and achieve their financial goals. Kredivo's commitment to responsible lending and financial education fosters a culture of financial responsibility and stability.

Conclusion

Kredivo is a transformative digital credit platform that empowers individuals and businesses with financial freedom. Its instant credit access, flexible repayment options, wide acceptance, rewards and benefits, security, and customer support make it a trusted partner for millions of users across Southeast Asia. By promoting financial inclusion and responsible lending, Kredivo contributes to the economic growth and well-being of the region.