Kredivo - Buy Now, Pay Later

Experience Kredivo: Buy Now, Pay Later, a Pay Later platform designed for flexible shopping, now coming to Thailand! We are regulated under the Personal Loan and Digital Personal Loan license issued by the Ministry of Finance and the Bank of Thailand.

Get instant access to a flexible credit line of up to 20,000 THB right at your fingertips. Kredivo gives you the power to control your payments and the freedom to pay later, in up to 5 months, all in one app!

One App for All
- Shop anywhere and pay later: Shop nationwide, in-store or online, with seamless QR payments, then enjoy the ultimate freedom of preferred pay-later installment plans.
- Request instant cash loans: Get instant cash to empower your payments for emergency matters.
- Pay bills at your will: Don't worry if you don’t have credit cards. You can now access your credit limit to pay your electricity, water, and phone bills easily and conveniently anytime you want.

Easier than Ever
- Truly easy application: Apply in minutes and get instant approval.
- Worry-free security: Kredivo uses data security measures comparable to nation-leading banks, under the supervision of the Bank of Thailand. This ensures high-level data privacy and security standards in compliance with the PDPA.

Let’s Get Started!
1. Download the Kredivo app.
2. Complete your application. You’ll only need photos of your ID card and a selfie.
3. Access your instant limit right from the app! (Please borrow only as much as you need and can afford to repay).
*The Kredivo app may require certain users to submit income documents to improve their chances of being approved for a higher loan limit.

Kredivo Revolving Credit Limit & Additional Fees:
- Monthly interest rate: 2.08%.
- Annual Percentage Rate (APR): 25% maximum.
- Revolving credit limit amount: Up to 20,000 THB.
- Installment plans: 2 to 5 months.
- A stamp duty of 1 THB applies for every 2,000 THB (or any fraction of 2,000 THB after that) of your Kredivo-approved credit limit, but only if your approved limit is 2,000 THB or more.
- In case of late payments, an additional collection fee of 50 THB (for one billing cycle) or 100 THB (for next billing cycle) may apply if the outstanding amount is above 1,000 THB.

How Kredivo Monthly Bill Works
The billing cycle will run from the 21st of every month to the 20th of the following month. All transactions made within this period will reflect on that month's bill.

For example:
A customer makes a QR PromptPay transaction with Kredivo for 3,000 THB with a 3-month installment plan.
- Loan amount: 3,000 THB
- Annual Percentage Rate (APR) plus fees: 25%
- Tenure: 3 months
- Due date: Every 1st of the month
Therefore,
- On 1 February 2025, the customer will pay 1,041.95 THB, consisting of 978.26 THB principal and 63.69 THB interest. The remaining principal will be 2,021.74 THB.
- On 1 March 2025, the customer will pay 1,041.95 THB, consisting of 1,003.18 THB principal and 38.77 THB interest. The remaining principal will be 1,018.56 THB.
- On 1 April 2025, the customer will pay 1,040.18 THB, consisting of 1,018.56 THB principal and 21.62 THB interest. The remaining principal will be 0 THB.
The total repayment will be 3,124.08 THB, which has included the total interest of 124.08 THB (calculated at 25% APR) on the principal of 3,000 THB.

Contact Us

Line OA: @kredivoth
Email: support.th@kredivo.com
Tel.: 02-544-0034

Business address: Kredivo (Thailand) Co., Ltd.
24th Floor. 944, Mitrtown Office Tower, Rama 4 Road, Wang Mai, Pathum Wan, Bangkok 10330

Start your journey to financial freedom with Kredivo today!

⚠️ Do not click suspicious links or share your OTP. Scammers may impersonate Kredivo — always verify our official channels.

⚠️Borrow responsibly. Only take what you need and can repay on time. In case of payment default, Kredivo will report to the National Credit Bureau.