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The description of Kredivo - Cicilan s/d 12 Bulan

Proofs that Kredivo is the most flexible payment:
- Loan products: Buy Now Pay Later and 3, 6, 12-month installment
- Interest rate: 0% interest for Paylater up to 3 months, 2.6% interest per month for 6 and 12 month installment or a maximum annual rate of 53.36%
- Limit: maximum limit up to Rp30,000,000
- Example: If you choose a 12-month installment to pay a transaction worth Rp1,000,000 Kredivo charges an interest rate of 2.6% per month. The repayment amount that must be made per month is Rp109,340 and the total payment after a year is Rp1,312,080

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?

Fortunately, 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 (Google Play Best Apps of 2017) 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 online on installment using Kredivo “buy now and pay later” on Tokopedia, Lazada, Bukalapak,, Erafone, Best Denki, Electronic City, IKEA, McDonald's and 1000+ 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. You can also buy pulsa/data, pay bills, buy game and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need.

Want to have a seamless online flight booking experience? You can book your flight ticket now and pay later, anywhere you wish, through Kredivo app. Right at your fingertips, you can find the cheapest flight tickets from various airlines, both domestic and international, including Garuda Indonesia, Batik Air, Citilink, and AirAsia.



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.


Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo has also been officially registered and regulated by OJK, so its credibility is guaranteed!


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 0807-1-573348.

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.
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  • Requirements:

    Android Varies with device+

Kredivo - Cicilan s/d 12 Bulan Varies with device APK for Android Varies with device+

Version Varies with device for Android Varies with device+
Update on 2023-03-18
Installs 10.000.000++
File size 24.389.511 bytes
Permissions view permissions
What's new What's included in the latest version of Kredivo?

A lotta friends, a lotta luck! See your earned points in more detail and how many friends registered using your referral code.

Love shopping online? Enjoy discounts by exchanging available vouchers or redeeming Kredivo Points at Shop at Shopee.

Waitaminute, you can also access Shop on Tokopedia via our homepage!

Update now and share with your friends!


  • Kredivo is an instant credit solution that makes it easy for you to buy now and pay later in 30 days without interest or in 3 months, 6 months, or 12 months installments (2.6% interest per month). 

  • You can download versions of Kredivo on APKFUN here. Or download the Kredivo app on Google Play Store (for Android) and Apple App Store (for iOS)

  • To register for Kredivo, you must meet the following requirements:

    - Indonesian Citizen (WNI) status.

    - Age between 18 to 60 years.

    - Domiciled in Greater Jakarta, Bandung, Surabaya, Semarang, Palembang, Medan, Bali, Yogyakarta, Solo, Makassar, Malang, Sukabumi, Cirebon, Balikpapan, Batam, Purwakarta, Padang, Pekanbaru, Manado, Samarinda, and Kediri.

    - Minimum income of IDR 3,000,000 per month. 

  • Pay within 30 days: you can get a limit of up to IDR 3,000,000

    Installment: You can get a limit of up to IDR 30,000,000

    You can see the installment transaction limit for each installment tenor in our application or website. 

  • You can shop with Kredivo at Kredivo's merchant partners. You only need to choose the Kredivo payment method on the payment page on the merchant's website. You can choose the payment option in 30 days (interest free) or in 3 months/6 months/12 months installments. After that, enter your registered mobile number and Kredivo PIN, then enter the OTP code that you will receive via SMS to confirm your transaction. 

  • Kredivo has also established a higher interest-rate paying lending arm. As a result, almost all of its revenues come from consumers, whereas in developed countries, BNPL players like AfterPay, Affirm and Klarna earn more fees from merchatns.
  • Kredivo allows users to “buy now, pay later” when shopping online. Users are credit-scored and approved, and are offered a variety of options for paying off the debt. These include interest-free 30-day repayments and other low-cost installment plans. Kredivo claims that it has credit-scored two million Indonesians.
  • Best Buy Now, Pay Later Apps of 2022. Best Overall: Affirm.Best for Flexible Payment Plans: Sezzle.Best for Students: Afterpay.Best for No Credit Check: Splitit.Best for Bad Credit: Perpay.Best for Small Purchases: PayPal Pay in 4.Best for Large Purchases: Klarna.
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