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Proofs that Kredivo is the most flexible payment:
- Loan products: Pay next month and 3, 6, 9,12, 18 and 24-month installment
- Interest rate: 0% interest for pay in next month and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment or a maximum annual rate of 41.51%
- Limit: maximum limit up to Rp50,000,000
- Example: If you choose a 12-month installment to pay a transaction worth IDR 4,000,000 Kredivo charges an interest rate of 1.99% per month. The repayment amount that must be made per month is IDR 412,950 and the total payment after a year is IDR 4,955,400

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 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 on installment using Kredivo “buy now and pay later” on Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 10,000+ 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 with 3, 6, 9, 12 and 18-month installment.

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 [email protected] 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