Kredivo - Paylater & Pinjaman
Kredivo - Paylater & Pinjaman has 78,039,605 installs (+1.1% in 30 days), rated 4.8 from 4,924,299 ratings, #52 of 130,785 in Finance.
Description
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Proof that Kredivo is #Sefleksibelitu (read until the end!)
Loan products: Pay in one month and installment plans with tenors of 3, 6, 9, 12, 18, and 24 months.
Interest rates: 0% interest and no admin fee for Pay in one month, and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment. The maximum Annual Percentage Rate (APR) is 41.51%.
Maximum limit: Up to IDR 50,000,000.
Example: If you apply for an installment of IDR 4,000,000 for 12 months with an interest rate of 1.99% per month, the monthly payment will be IDR 412,950, with a total repayment amount of IDR 4,955,400.
Do you want to shop online in installments but don’t have a credit card? Or do you need quick loans for emergency situations, but too many hassles or have been rejected before?
You can use Kredivo as an online credit line provider that offers installment without credit card as well as personal loans.
The registration process for loans and online installments on Kredivo only takes 5 minutes, with a relatively fast approval process. Once approved, you can immediately shop on installments using Kredivo at Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald’s, and more than 10,000 other merchants across Indonesia, with just two clicks.
Planning to buy a new smartphone? Kredivo Paylater can be used like a smartphone installment app or a no-down-payment credit app. You can easily pay in installments or apply for online credit without a credit card to purchase Xiaomi Redmi Note 14, Samsung Galaxy A26, Samsung Galaxy A55, VIVO Y18, OPPO A3 Pro, and other Android smartphones.
For example, if you want to purchase a smartphone priced at around IDR 3 million at Erafone or other merchants, you can use Kredivo Paylater, which offers greater flexibility along with 0% installment promotions.
Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink, AirAsia, and many other airlines. Want to buy furniture or shop for fashion? All of it can be paid for using 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.
So, what do you think? Kredivo really is #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
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 & SECURED
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!
◉ NO INTEREST, ADMIN FEE, AND DOWN PAYMENT
No fees for payments in the next one month! You pay the exact price amount. Plus, there is no down payment for all Kredivo services.
Have feedback for us? Email us at support@kredivo.com
or by phone at 0804-1-573348.
Head Office Address:
Dipo Tower Level 3 Unit A–B, Jalan Jenderal Gatot Subroto No. Kav. 51–52, RW.7, Central Jakarta, Special Capital Region of Jakarta 10260.
Customer Service Office Address:
Kredivo Building, 3rd Floor, Jl. Tomang Raya No. 1, RT.2/RW.1, Jatipulo, Palmerah District, West Jakarta, Special Capital Region of Jakarta 11430.
Reviews The reviews Google Play shows first (its most relevant), from the US store, in any language.
From 4,921,639 ratings.
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★☆☆☆☆ Google user · 14 Oct 2026 · v4.33.1really disappointed with this app..they will They’ll keep hounding you wherever you go—even at your workplace. It makes you incredibly uncomfortable, and their collection tactics are extremely aggressive—especially considering the outstanding balance isn't even that large, yet they’ve already collected a pretty hefty amount in interest dan they will force u ...Developer reply · 14 Oct 2026Hi Kredipal, Maaf atas kendalanya. Kredivo hanya menjalankan ketentuan dari OJK, setiap keterlambatan dikenakan bunga denda 10% per 1 bulan serta ada pengingat oleh tim terkait. Pastikan melakukan pembayaran sesuai tanggal jatuh tempo. Jika tidak sesuai, silakan Kakak hubungi kami di nomor 08041573348. Salam hangat, Hanum
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★★★★★ Wendy Kho · 5 Oct 2026 · v4.32.1ini saya masih baik hati kasi bintang 5 loh ya.. cuma kenapa credit score saya dari A** kok turun sampai ke C ya sekarang, saya bayar nya tepat waktu dan ga pernah tunggakan sama sekali loh.. jangan kayak gitu donk kredivo kan harus sering gunakan limitnya kan biar bisa naik dan bagus, kenapa turun score saya ke C.. Ingat loh saya pembayaran nya tepat waktu loh dan ga pernah nunggak sama sekali, tolong dipertimbangkan lagi lah kredivo makasihDeveloper reply · 6 Oct 2026Hi Kak Wendy, Maaf atas kendalanya. Skor Kredit merupakan gambaran profil finansial pengguna selama menjadi pengguna Kredivo. Nilai skor terdiri dari A++, A+, A, B, C, D dan E berdasarkan pertimbangan Tim Analis. Kakak dapat menjaga skor dengan bertransaksi aktif dan tepat waktu dalam pembayaran tagihan. Salam hangat, Jani
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★☆☆☆☆ fahma ira murti · 5 Oct 2026 · v4.30.0bad experience buat pakai apk ini. klo telat okelah ada denda dan limit hilang krn kesalahan pure di saya. tp klo tenor yg harusnya 12 bln jd ditambah 2 bln krn 1x telat bayar sih ga logis😆😆 udh mna denda sehari mahal, limit ilang, tenor nambah jg lagi, ampun dehh😆 ngajuin di apk ini biar lebih gampang (krn sblmnya udh pernah ngajuin jg dan ga bohong selama pengajuan sebelumnya sih aman bgt dan happy bgt segampang itu) eh makin kesini malah di persulitttttttDeveloper reply · 6 Oct 2026Hi Kak Ira, Maaf kendalanya. Jika ada penambahan tenor, dikhawatirkan transaksi menggunakan voucher yang memiliki ketentuan tidak memperbolehkan keterlambatan pembayaran karena ada penambahan tenor di akhir periode. Jika ada keterlambatan, akan dikenakan bunga, dan denda yang berlaku. Info detail hubungi 08041573348. Salam hangat, Jani
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★★★★★ selamet marjuki · 5 Oct 2026 · v4.32.1pelayanan cepatDeveloper reply · 5 Oct 2026Hi Kak selamet, Terima kasih atas ratingnya :). Semoga Kredivo dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika memiliki kendala, silakan hubungi customer support di 08041573348 atau email ke support@kredivo.com menggunakan email yang terdaftar dan layanan live chat pada aplikasi. Salam hangat, Dina
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★★★★★ Rio Lagoa · 5 Oct 2026 · v4.32.1uhuyDeveloper reply · 5 Oct 2026Hi Kak Rio, Terima kasih atas ratingnya :). Semoga Kredivo dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika memiliki kendala, silakan hubungi customer support di 08041573348 atau email ke support@kredivo.com menggunakan email yang terdaftar dan layanan live chat pada aplikasi. Salam hangat, Dina
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★☆☆☆☆ A S · 4 Oct 2026 · v4.32.1Bad experienceDeveloper reply · 4 Oct 2026Hi Kredipal, Maaf atas ketidaknyamanannya. Apabila Kakak memiliki kendala silakan informasikan lebih lanjut dengan menghubungi tim support Kredivo di nomor 08041573348, email ke support@kredivo.com atau layanan live chat pada aplikasi. Dengan senang hati kami akan membantu. Salam hangat, Guntur
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★☆☆☆☆ Ulul Abror · 3 Oct 2026 · v4.32.1Why did my Kredivo account experience a credit score drop and a transaction limit reduction? Even though I pay all my bills on time, even early. Please improve the scoring system to be more precise and accurate, thank you!Developer reply · 4 Oct 2026Hi Kak Ulul, Maaf atas kendalanya. Jika Score Kredivo turun, maka dapat menjaga skor dengan bertransaksi aktif & tagihan tidak terlambat. Jika limit berkurang dikhawatirkan ada penggunaan limit pada tenor 1 bulan/cicilan. Limit Kredivo merupakan gabungan & saling berkaitan. Info selanjutnya hubungi CS 08041573348. Salam hangat, Damian
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★☆☆☆☆ Hwang Hyunjin · 3 Oct 2026 · v4.32.1kurang memuaskan ya, saya mau minjam uang disuruh tunggu 1 hari buat pencairannya padahal di riwayat sudah ada terpampang peminjaman, udah ditunggu nih 1 hari eh belum lagi di cairkan malah disuruh nunggu 1-3 hari lagi Ini kredivo gimana sih, saya butuh uang nya segera mungkin loh, malah disuruh nunggu lagi giliran saya mau batalkan peminjaman dibilang kalau nggak bisa dilakukan, ApalahDeveloper reply · 3 Oct 2026Hi Kak Hwang, Maaf atas kendalanya. Jika transaksi Kakak tidak disetujui, dikhawatirkan karena isu keamanan transaksi. Sesuai kebijakan Kredivo setiap transaksi telah dilakukan proses penilaian. Silakan mencoba kembali berkala dengan diberi jeda waktu ya. Info lebih lanjut, silakan hubungi kami di nomor 08041573348. Salam Hangat, Dina
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★★☆☆☆ Gabranth Silvrash · 3 Oct 2026Tenor 24 Bulan, bunganya ±70% guys.. 🥶 Ada sisa limit 21 jutaan, dPake sejutaan tenor sebulan, limit langsung berubah jadi ratusan ribu 😱🤯😰 Gak bisa diandelin klo urgent.. QRIS hanya bisa dPake dMini Market & tempat tertentu, intinya gak bisa dPake dMana aja, gak fleksibel..Developer reply · 3 Oct 2026Hi Kak Gabranth, Limit Kredivo merupakan gabungan. Penggunaan pada tenor 1, 3, 6, 9, atau 12 bulan akan mengurangi limit secara proporsional. Tenor 1 bulan bebas bunga dengan admin 1%. Tenor 3 bulan dikenakan bunga 4%/bulan dan admin 1% dan 3% (Premium). Tenor 6 & 12 bulan bunga mulai 1,99%. Info: 08041573348. Salam hangat, Jeni
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★★★★★ Fuad Hasan1234 · 2 Oct 2026mantepDeveloper reply · 2 Oct 2026Hi Kak Fuad, Terima kasih atas ratingnya :). Semoga Kredivo dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika memiliki kendala, silakan hubungi customer support di 08041573348 atau email ke support@kredivo.com menggunakan email yang terdaftar dan layanan live chat pada aplikasi. Salam hangat, Dina
Search Android reviews - every stored review from the store, not only this listing's.
Growth change in installs
| Per | Growth | Growth % | Actual change | Measured over |
|---|---|---|---|---|
| day | Not enough history yet | |||
| week | +202,122 | +0.3% | +202,463 | 7 days |
| month | +833,338 | +1.1% | +927,808 | 33.4 days |
| year | Not enough history yet | |||
How these figures are measured
Change in installs, scaled to each window from the real gap between crawls. A window needs a full period of history before it reports anything.
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