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Kredivo - Paylater & Loans

Le crédit instantané décomplexe l'accès au marché pour des millions d'utilisateurs.

Chiffres Clés

Téléchargements

5M+

Note

4.8/5

Nombre d'avis

567.9K

Éditeur

FinAccel Pte. Ltd.

Catégorie

Finance

Langues

Dernière version

3.58.0

Taille

220.9 MB

Date de sortie

5 oct. 2017

Fonctionnalités

Évaluation analytique des atouts majeurs de l'application 'Kredivo - Paylater & Loans' pour son public cible.

Analyse des Fonctionnalités Clés de Kredivo

Pas de Carte de Crédit ni d'Acompte Nécessaires

Cet outil supprime la nécessité d'une carte de crédit et n'exige aucun acompte, rendant le financement accessible à un public plus large qui ne possède pas de cartes traditionnelles.

Options de Paiement Échelonné Flexibles

L'application propose des options de financement de produits avec des paiements échelonnés sur 1, 3, 6, 12, 18 et 24 mois, offrant une grande flexibilité financière aux utilisateurs pour leurs achats.

Processus d'Approbation Rapide

L'application se distingue par un processus d'inscription de seulement 5 minutes et une approbation en quelques minutes, permettant un accès rapide et sans tracas au crédit et aux prêts.

Taux d'Intérêt Compétitifs

Cet outil offre un taux d'intérêt de 0% pour les paiements en 30 jours et les échéances de 3 mois, et des taux compétitifs à partir de 1,99% par mois pour les durées plus longues, minimisant les coûts pour l'utilisateur.

Vaste Réseau de Marchands

Il offre la possibilité de faire des achats à crédit chez plus de 4000 marchands, en ligne et hors ligne, incluant de grandes marques et des détaillants populaires, augmentant considérablement les opportunités d'utilisation.

Avances de Fonds Rapides (Prêts Personnels)

L'application permet d'obtenir des avances de fonds rapides via KrediFazz, offrant des prêts personnels avec des options de remboursement sur 3, 6 ou 12 mois pour diverses nécessités et urgences.

Sécurité et Réglementation OJK

Cet outil garantit la sécurité des données utilisateur par cryptage et est licencié et réglementé par l'OJK (Otoritas Jasa Keuangan), assurant crédibilité et confiance aux utilisateurs.

Limite de Crédit Élevée

Il permet aux utilisateurs de bénéficier d'une limite de crédit maximale pouvant atteindre 50 000 000 IDR, offrant une capacité d'achat significative pour des biens ou des services de valeur.

FAQ

Questions Fréquentes

Tout ce que vous devez savoir sur 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.

Les captures d'écran et la description suivantes proviennent directement de la fiche officielle de l'application sur le store et sont la propriété du développeur.

App Store

Captures

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