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Kredivo - Paylater & Loans

No credit card? No problem. The app hands users instant buying power and quick cash, bypassing traditional banking roadblocks.

Key Figures

Downloads

5M+

User Rating

4.8/5

Total Ratings

567.9K

Publisher

FinAccel Pte. Ltd.

An evaluation of core functionalities for digitally active Indonesian consumers.

Key Features Analysis: Kredivo - Paylater & Loans

Regulatory Compliance & Security

The app ensures user data security through encryption and is licensed and regulated by OJK, guaranteeing credibility and trust.

Flexible Installment Options

The app provides diverse payment schedules, including pay-later in 1 month and installments up to 24 months, accommodating varied financial needs.

Zero Down Payment

The app features no down payment required for its services, reducing the initial financial burden for users and making purchases more accessible.

No Credit Card Requirement

This tool offers installment purchases and personal loans without the need for a traditional credit card, opening access to credit for unbanked or underbanked individuals.

Rapid Registration & Approval

This tool features a streamlined 5-minute online registration and instant approval, enabling quick access to credit for urgent purchases or needs.

Extensive Merchant Network

It allows users to shop on installment across 4000+ online and offline merchants, including major e-commerce platforms and physical stores, offering wide purchasing power.

Competitive Interest Rates

The app offers 0% interest for 30-day pay-later and 3-month installments, with low rates starting from 1.99% for longer terms, making credit more affordable.

Quick Cash Advances

It allows users to obtain fast cash advances via KrediFazz with flexible 3, 6, or 12-month installment plans, providing emergency funds easily.

High Credit Limits

The app provides a maximum credit limit of up to IDR 50,000,000, catering to significant purchases and larger financial needs.

In-App Bill Payments & Purchases

It allows users to conveniently pay utility bills, buy pulsa/data packages, gaming/streaming vouchers, and gasoline directly within the app.

FAQ

Frequently Asked Questions

Everything you need to know about Kredivo - Paylater & Loans

What is Kredivo and what services does it offer?

Kredivo is a digital credit application that provides installment payments without a credit card and personal loans. It evaluates creditworthiness in real-time, offers quick registration, and allows shopping at numerous online and offline merchants.

Does Kredivo require a credit card for installment payments?

No, Kredivo does not require a credit card for installment purchases. It functions as an online credit line provider, enabling users to shop on installment or get personal loans without traditional credit card hassles.

What is the maximum credit limit offered by Kredivo?

The maximum credit limit offered by Kredivo is up to IDR 50,000,000. This limit is available for various installment plans, as shown within the application interface.

How long does it take to register and get approval for Kredivo?

The registration process for Kredivo takes just 5 minutes. Approval is typically given within a few minutes after registration, allowing users to quickly access credit for shopping or loans.

What are Kredivo's interest rates for installment payments?

Kredivo offers 0% interest for pay in 30 days and 3-month installments. For 6, 12, 18, and 24-month installments, the interest rate starts from 1.99% per month for Premium accounts.

Is Kredivo regulated and safe to use?

Yes, Kredivo is safe and secure. All user data is encrypted, and Kredivo is licensed and regulated by OJK (Otoritas Jasa Keuangan), ensuring its credibility and compliance with financial regulations.

Can I pay utility bills using the Kredivo app?

Yes, users can pay various utility bills directly from the Kredivo app. This includes services like pulsa/data packages, PLN, gaming/streaming vouchers, Digital Wallet, Internet & TV, and PDAM.

Does Kredivo charge a down payment for its services?

No, Kredivo does not charge any down payment for its services. It offers zero down payment for all Kredivo services, making it more accessible for users to utilize their credit line.

Where can I use Kredivo for online and offline shopping?

Kredivo is accepted at over 4000 online and offline merchants. Popular examples include Tokopedia, Shopee, Lazada, Indomaret, Alfamart, and for flights, Garuda Indonesia and AirAsia.

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

Proofs that Kredivo is the most flexible payment: - Product financing with installment payments: Pay later in 1 month and 3, 6, 12, 18 and 24-month installment - Interest rate: 0% interest for pay in 30 days and 3 months installment, starting from 1.99% per month for 6, 12, 18 and 24 month installment (Premium account only). - Limit: maximum limit of up to IDR 50,000,000 - Simulation: If you choose a 12-month installment to pay a transaction worth IDR 2,000,000, Kredivo charges an interest rate of 1.99% per month. The monthly repayment amount is IDR 206,480 and the total repayment amount is IDR 2,477,760 Want to shop online or offline 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 from KrediFazz in one go. Kredivo is a digital credit application that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few minutes. If approved, you can directly shop on installment using Kredivo in online and offline merchants such as Tokopedia, Shopee, Lazada, Indomaret, Alfamart, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 4000+ other merchants with just 2 clicks. Want to buy a new mobile phone? You can buy it online or offline, 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 pay your utility bills, buy pulsa/data packages, gaming/streaming vouchers, and gasoline from the Kredivo app directly. Moreover, get quick cash advance from KrediFazz via Kredivo to cater your every need with 3, 6, and 12-month installments. Kredivo #Sefleksibelitu, isn't it? No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo: ◉ SIMPLER AND FASTER You can just apply online by uploading your KTP via the Kredivo app, no salary slip required. After an approval process that takes minutes, you can buy your dream item on credit or get loans instantly from KrediFazz with no hassles. ◉ 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 support@finaccel.co 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