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Credinex-Cicilan & Paylater 0%

No more payment friction. The app hands users instant buying power, interest-free, across an extensive merchant network. Your money works harder, on your terms.

Finance & Crypto ›

Key Figures

Downloads

250k+

User Rating

4.9/5

Total Ratings

42.3K

Publisher

PT. DIGITAL YINSHAN TECHNOLOGY

An in-depth evaluation of Credinex-Cicilan & Paylater 0%'s core functionalities and user benefits.

Key Features of Credinex-Cicilan & Paylater 0%

0% Interest 'Buy Now, Pay Later' (BNPL)

It offers a 0% interest 'Buy Now, Pay Later' (BNPL) service, allowing users to purchase items and pay for them later in installments without additional charges.

Extensive Online & Offline Merchant Network

The app supports transactions across thousands of popular online and offline merchants, including major e-commerce platforms, food & beverage outlets, supermarkets, and entertainment venues.

Integrated Bill Payment & Top-Up Services

It allows users to conveniently pay various bills such as electricity (PLN), water, BPJS, and top up mobile credit and data packages directly within the application.

High Credit Limit & No Down Payment

This tool features a credit limit of up to IDR 50 million and eliminates the need for a down payment (DP) for purchases, enhancing financial flexibility.

Rapid Account Activation

The app enables users to complete their data entry and activate the 'Pay Later' service in as little as 3 minutes, providing rapid access to credit.

Exclusive Discounts & Promotions

Users have the opportunity to receive various discounts, promotions, and coupons from partner merchants like Blibli, Starbucks, and Alfamart, enhancing savings on purchases.

OJK Regulated Financial Service

The 'Pay Later' service is provided by Karunia Multi Finance, which is registered and supervised by OJK (Indonesia's Financial Services Authority), ensuring regulatory compliance and user confidence.

Cardless & Cashless Payment

It facilitates entirely cardless and cashless transactions, simplifying the payment process for both online and offline shopping.

FAQ

Frequently Asked Questions

Everything you need to know about Credinex-Cicilan & Paylater 0%

What is Credinex Paylater?

Credinex Paylater is a buy now, pay later service offering 0% interest installments. It allows users to shop without cash or credit cards and manage various bill payments directly from the app.

What is the maximum credit limit offered by Credinex?

Yes, Credinex Paylater provides a credit limit of up to Rp 50,000,000. This limit is available for installment purchases and other transactions within the app.

Does Credinex Paylater charge interest on installments?

Yes, Credinex Paylater specifically offers 0% interest (cicilan bunga 0%). This enables users to make purchases and pay later without incurring additional interest charges.

Is Credinex Paylater a regulated financial service?

Yes, Credinex Paylater is provided by Karunia Multi Finance and is officially registered and supervised by OJK (Otoritas Jasa Keuangan), ensuring regulatory compliance and user protection.

How long does it take to activate Credinex Paylater?

Activating Credinex Paylater requires approximately 3 minutes to complete the necessary personal data submission. This allows for quick access to the service after initial registration.

Where can I use Credinex Paylater?

Credinex Paylater can be used at over 30,000 online and offline merchants. This includes major platforms like Tokopedia, Shopee, Blibli, Alfamart, and Starbucks, among others.

What types of bills can be paid using the Credinex app?

The Credinex app allows users to pay for various bills such as phone credit, data packages, electricity (PLN), water (PDAM), BPJS, Telkom, TV cable, train tickets, and post-paid services.

Does Credinex Paylater require a credit card or down payment?

No, Credinex Paylater does not require a credit card or a down payment (DP). It offers a "Dana Talangan" service, providing financial flexibility without these traditional requirements.

What is the maximum installment period available with Credinex?

Credinex offers flexible installment options for up to 12 months. Users can select payment periods such as 3, 6, 9, or 12 months to manage their finances.

How do I register and activate Credinex Paylater?

To register for Credinex, download the app, enter your phone number to create an account, then fill in your personal data, including an ID card (KTP) photo, to activate Paylater.

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

Lupa bawa uang tunai dan kartu kredit pas belanja? Pakai Credinex, paylater 0%! Masih ragu beli barang yang mahal? Limit hingga 50 juta bisa dicicil! Untungnya, Credinex menyediakan layanan Dana Talangan tanpa kartu. Paylater 0% hanya butuh 3 menit untuk melengkapi data. Segera download dan aktifkan Credinex Paylater, gunakan di ribuan merchant online dan offline, tanpa kartu Dana Talangan, tanpa uang tunai, bisa langsung melakukan pembayaran. Anda juga bisa top up pulsa telpon, paket data, dan membayar berbagai tagihan langsung di aplikasi. Jika pembayaran Anda berhasil, Anda akan berkesempatan untuk mendapatkan diskon dan promosi, serta berkesempatan mendapatkan kupon dari Blibli, Starbucks, Fore Coffee, Domino's, Alfamart, Indomaret, M-Tix, dan merchant lainnya. Pilihan pembayaran yang lebih fleksibel, Beli Sekarang Bayar Nanti Credinex Paylater 0%, Beli dulu bayar nanti, tidak perlu DP, tidak perlu kartu, mudah dan cepat. Paylater disediakan oleh Karunia Multi Finance, terdaftar dan diawasi oleh OJK. Dapat digunakan di banyak merchant Paylater dapat Anda gunakan di Tokopedia, Shopee, Blibli，JD.ID，Tiket.com，Starbucks，Janji jiwa，Kopi Kenangan，Xi bo ba，Chatime，KFC，Pizza Hut，Alfamart，Superindo，Hypermart，Cinema 21/XXI，Matahari ，Fore Coffee，Domino's, dan merchant terkenal lainnya, mulailah perjalanan belanja Anda dengan Credinex. Berbagai macam diskon, Keuntungan yang luar biasa Bayar dengan Credinex, Anda berkesempatan untuk mengikuti kegiatan diskon dalam waktu terbatas, dengan maksimal diskon Rp100.000 untuk sekali transaksi dan juga berkesempatan mendapatkan kupon Bilibli, Starbucks, Fore Coffee, Domino's, Alfamart, Indomaret, M-Tix dan mitra lainnya hingga Rp50.000. Bagaimana menggunakan Credinex? ●Setelah berhasil mengunduh aplikasi, masukkan nomor ponsel Anda untuk mendaftarkan akun Anda; ● Luangkan waktu 3 menit untuk mengisi data diri Anda dan aktifkan Paylater; ● Bisa untuk berbelanja online atau offline di seluruh merchant kesayangan Anda; ● Anda juga dapat top up pulsa, paket data, bayar tagihan air, PLN, BPJS dan tagihan lainnya langsung di aplikasi; Unduh lalu gunakan Credinex dan mulailah perjalanan belanja Anda! Hubungi Kami Customer Service: +6221 39506666 Email:csofficial@credinex.id Facebook：Credinex Marketing Instagram: credinex_official Jam Operasional Credinex Senin-Jumat: 9:00-18:00 Sabtu-Minggu: 8:00-17:00