iPhone Screenshots


- Loan products: Buy Now Pay Later with 0% interest, and three, six or 12-month installments
- Interest rate: 2.95% effective rate per month or a maximum annual rate of 41.74%
- Limit: maximum limit up to Rp30,000,000
- Example: If you choose a 12-month installment to pay a transaction worth Rp2,000,000 Kredivo charges an interest rate of 2.95% per month. The repayment amount that must be made per month is Rp206,710 and the total payment after a year is Rp2,480,450

Want to shop online but don't have a credit card?

Need quick loans for emergency situations?

Too much hassles to apply for credit 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 (#1 Fintech Startup in SEA at the Singapore Fintech Festival 2018) that evaluates your creditworthiness in real-time. The registration process is just 1 minute 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, Shopee, Lazada, Bukalapak, Tiket.com, and 200+ 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, 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.


You can apply for an installment and take personal loan without any credit history, because Kredivo is leveraging AI and machine learning technology for its proprietary credit decisioning system.

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 personal loan within 10 minutes.

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 the lowest interest rate. Plus, there is no down payment charged for all Kredivo services.
Have feedback for us? Email us at support@kredivo.com.
Business address: Rukan Permata Senayan E52-55, Jl. Tentara Pelajar No. 21, Grogol Utara, Kebayoran Lama, Jakarta 12210

What’s New

Version 2.0.10

- Fixed a bug that wasn't caused by us, but by iOS 13
- Sorry, no dark mode yet

Ratings and Reviews

4.8 out of 5
44.5K Ratings

44.5K Ratings

R Ricky Muslim ,


Over all sangat simple dan membantu sekali,namun alangkah lebih baik lg kalau barang yg harga nya dibawah 1,5jt bisa di cicil 12x jg .. Mohon di pertimbangkan

indi.89 ,

Dapet kredit limit 20juta dalam hitungan menit!

Akhirnya ada juga di App Store! App ini keren banget sih buat kalian yg suka belanja online tp ga punya kartu kredit/males pake kartu kredit. Daftarnya gampang & cepet banget, belanjanya jg tinggal klik” doang. Gw dapet kredit limit 20 juta yg bs dipake cicilan sampe 12 bulan. Cuss beli kamera! 👻

Daniel vanhelsing ,

Area kurang luas

Kenapa beda sama akulaku ya, area coverage daerah saya tercover dan pembayaran saya selalu bagus. Sedangkan di kredivo selalu ditolak karena alasan area. Mohon diperluas areanya, biar saya bisa di acc.

Developer Response ,

Hi Daniel,

Saat ini Kredivo hanya bisa digunakan oleh pengguna yang berdomisili di Jabodetabek, Surabaya, Medan, Kota Bandung, Semarang, Palembang, dan Denpasar. Kami akan segera hadir di kota-kota lain dalam waktu dekat.

Salam hangat,
Tim Kredivo


FinAccel Pte. Ltd.
77.2 MB

Requires iOS 10 or later. Compatible with iPhone, iPad and iPod touch.


English, Indonesian

Age Rating
Rated 4+
© 2019 FinAccel Pte Ltd


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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