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Akulaku-Installment Shopping

No credit card? No problem. The app gives users direct access to the products and credit they need, instantly.

E-Commerce ›Finance & Crypto ›

Key Figures

Downloads

5M+

User Rating

4.5/5

Total Ratings

123.2K

Publisher

AKULAKU SILVRR INDONESIA, PT

A comprehensive evaluation of Akulaku-Installment Shopping's core functionalities and their impact on its target demographic.

Akulaku: Empowering Financial Inclusion

Flexible Installment Shopping

The app enables users to purchase a wide range of goods and services on installment plans without requiring a traditional credit card, making essential and aspirational items accessible to budget-conscious consumers.

Quick Cash Loans

It provides access to cash loans and allows users to withdraw cash from their available credit limit, offering a quick solution for urgent financial requirements for individuals without traditional credit access.

Extensive Product Catalog

This tool offers a vast selection of products, from electronics and fashion to daily necessities, and various services like phone credit, data plans, and ticket purchases, all available for installment or credit.

Cross-Platform Payment

The app features Akulaku Pay, enabling users to utilize their approved credit for purchases on other e-commerce platforms, thereby expanding their purchasing power and financial flexibility beyond its own marketplace.

Regulated Financial Services

Its financing services are officially registered and supervised by OJK (Indonesia's Financial Services Authority), ensuring a regulated, secure, and trustworthy platform for all financial transactions.

Always-On Customer Support

The app provides 24/7 customer support through multiple channels, including a hotline, live chat within the app, and WhatsApp, ensuring users can get assistance anytime they need it.

FAQ

Frequently Asked Questions

Everything you need to know about Akulaku-Installment Shopping

What is Akulaku-Installment Shopping?

Akulaku is a marketplace app providing various services like Buy Now Pay Later, installment shopping without a credit card, cash loans, and bill payments to support daily necessities.

Can I buy on installment with Akulaku without a credit card?

Yes, Akulaku-Installment Shopping allows users to purchase items on installment without needing a credit card. Tenors range from 3, 6, 9, to 12 months with a low down payment.

Does Akulaku-Installment Shopping provide cash loans?

Yes, Akulaku offers cash loans with a limit of up to Rp15,000,000. Applications are simple and can be processed quickly.

What is the maximum loan limit available in Akulaku-Installment Shopping?

The maximum loan limit in Akulaku is Rp15,000,000. Users can apply for this limit through the app's credit-granting process.

What installment and loan tenors does Akulaku offer?

Akulaku offers loan tenors greater than 91 days, specifically 3, 6, 9, and 12 months. These options apply to both cash loans and product installments.

What are the fees for a loan in Akulaku-Installment Shopping?

Akulaku charges a monthly admin fee of 1% and a monthly interest of 0.6% from the loan principal. The maximum annual interest rate (APR) is 30%.

Is Akulaku-Installment Shopping a regulated financial service?

Yes, Akulaku financing services are supported by PT Akulaku Finance Indonesia, which is registered with OJK under permit number KEP-436/NB.11/2018, ensuring regulatory compliance.

Are there any benefits for new users of the Akulaku app?

Akulaku provides a 115RB coupon for new users. This bonus is available upon signing up and can be used within the Akulaku app.

How can I contact Akulaku-Installment Shopping customer service?

You can contact Akulaku customer care via Hotline at 1500920 (24 hours), Live Chat in the Akulaku App's Account page (24 hours), or WhatsApp at +62 811-1912-0548 (Chatbot).

What types of bills can I pay using the Akulaku app?

Akulaku enables payment for various bills including phone credit, data plans, electricity, water, internet & TV cable, BPJS Kesehatan, gas, PBB Tax, and education fees.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Description

Akulaku is a marketplace which possess various services in it to support life necessities in order to achieve a better life - Buy Now Pay Later - Installment without Credit Card - Cash out from Credit Limit - Akulaku Pay goods credit in other e-Commerce - Can credit handphone, phone credit, data plan, movie ticket, plane ticket, electricity and water Everything you want is in Akulaku! Download Akulaku now! Lots of Product Choices Starts from gadget, laptop, camera, fashion, household necessities, mother and baby to other daily necessities can be paid in installments in Akulaku. A lot of daily promos awaits you! Look for everything you need, whenever, and wherever with just Akulaku Mobile App! Safe, Easy and Trusted Shopping Do not worry about shopping in Akulaku App. Akulaku will give the best service to customer. Payment cn be made in lots of choices. Installment Without Credit Card For Gadget, Camera and other products, you can pay in installments with tenor 3, 6, 9, 12 months with low down payment. Only up to 15% without the need for credit card! You can also apply for loans to financial partner through Akulaku - Loan Tenor : Installment payment, tenor more than 91 days. Start 3, 6, 9, to 12 months - Loan Limit : Up to 40 Million - Admin Fee : Every month, 1% from Loan Principal - Interest : Every month, 0.6% from Loan Principal - Maximum annual interest rate (APR) is 30%, include monthly interest fee and monthly admin fee. Example : If you apply for a loan of Rp2.000.000 with tenor of 6 months, monthly interest fee charged is 0.6% from loan principal, and monthly admin fee charged is 1% from loan principal. Then monthly bill you have to pay is Rp365.333, the total of all payments is Rp2.192.000, with APR 17.72%. Best Service Guarantee - Call Center Akulaku : 1500920, active 24 hours everyday from Monday - Sunday. - Fast delivery, 48 hours delivery for Jabodetabek (Greater Jakarta). - Easy return, return can be made within 7 days of receiving the goods. - Automatic Refund, refund funds transferred to your bank account within 24 hours automatically! Akulaku financing services is supported by PT Akulaku Finance Indonesia which domiciled in Sahid Sudirman Center 11C, Jl. Jend. Sudirman No. 86, RT.10/RW.11, Karet Tengsin, Tanah Abang, South Jakarta, Jakarta Capital Special Region 10250, Indonesia, registered in OJK with permit number KEP-436/NB.11/2018 Website：https://www.akulaku.com/ Facebook : facebook.com/AkuLakuIndonesia Twitter : @akulakuID Instagram : akulaku_id WhatsApp : https://api.whatsapp.com/send?phone=6281119120548 If you need assistance, please contact our customer care : Hotline : 1500920 Live Chat : In Akulaku App [Account] Page Contact us via Akulaku OFficial Customer Care Service : 1. Hotline : 1500920 (24 hours) 2. Live Chat : In Akulaku App [Account] Page (24 hours) 3. WhatsApp +62 811-1912-0548 (Chatbot) *DO NOT contact another number or unofficial help center. Akulaku NEVER ask for your password or verification code (OTP) so DO NOT share those information to anyone to help keep your account safe.