"Tired of seeing expensive price tags on things you want to buy? Do you want to purchase something on installment but you don't have a credit card? Worry no more. Akulaku is here for you!

Akulaku provides you the most affordable, easiest and secure online installment shopping experience.

Get started today in just 3 easy steps:
1. Download the Akulaku app
2. Register for an account
3. Apply for a Credit Limit

Shop online on installment. No credit card required.
Akulaku offers a wide range of product categories and top brands tailored to meet the interest of every shopper.

Affordable and Friendly Payment Terms
With Akulaku, you can easily afford any product and services you want with a worry-free installment plan and low down payment. Choose your preferred payment term of 3, 6, 9 or 12 months.

Cash Advance with Akulaku
Need extra cash? Get it fast and easy on Akulaku! Receive ₱2,500 to ₱5,000 in your bank account in as fast as 24 hours. Plus, you can freely choose from loan terms of 8 or 15 days.

Is it affordable? Of course, we got you! For a loan term of 8 days, the interest is only 5%, while for 15 days, the interest is 7%.

Sample Loan Calculation:
• Loan Term = 8 Days
• Loan Amount = ₱2,500
• Interest & Processing Fee = 7%

Total Payment = Loan Amount x 1.07

₱2,500 (Loan Amount) * 1.07 (Interest and Processing Fee) = ₱2,675 (Total Repayment)

Buy Now, Pay Later
Buy the things you want, pay later using your Credit Limit! Terms & Conditions apply.

Secure and Convenient Payment
Experience a hassle-free payment process on Akulaku. Settle your payment through multiple online and offline payment channels.

Free Delivery
We deliver your items at your doorsteps for FREE without minimum purchase required.

Bills Payment
Settle your bills on time in just a few taps using the available credit limit on your account.

Mobile Top-Up on Installment
Stay connected whenever and wherever you are. Top up your mobile with SMS, Call, and Mobile Data package on installment.

Game Credits on Installment
Stay ahead and level up your game! Get game credits on Installment for more than 30 game outlets.

Got a question or feedback? We’d be happy to hear from you!
Akulaku Philippines:
Phone: +63 (2) 304 9120 to 29

Akulaku Indonesia:
Phone: +62 150 0920

Akulaku Vietnam:
Phone: +84 1900 636627

Akulaku Malaysia:
Phone: +60 3-2260 3660

What’s New

Version 2.5.6

◉ Embrace the new homepage display with the ugraded features. Enjoy the whole new enjoyable shopping experience.
◉ Now, checking your loans status is easier than ever before with the newly added Financial Info Card.

Ratings and Reviews

2.6 out of 5
30 Ratings

30 Ratings

Tio111111 ,


Please improve the system in bali. So we can register and use this app.

achmadsaepul ,

Still more buggy in iPhone 5S

Bug session/auth login & bug voice verification

Ninakhen ,

Suggestion and Customer Review

This app is so buggy, it crashes so often specially in the part we're your completing your profile info ending up you have to start all over again, and just a suggestion on availing the installment plan, you guys asking for school id and school records. Why in the world you guys will require school documents? Do you expect student customers here? Aside from they're less qualified because they don't have job yet do you think we will keep our school records all the time. How about a proof of billing, credit card statement, or company ID. Would it be more better.


237.1 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, Indonesian, Malay, Vietnamese

Age Rating
Gambling and Contests


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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