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


- Bug fixes that will undo Thanos' snap and save the universe

Ratings and Reviews

4.8 out of 5
251 Ratings

251 Ratings

Cz12071994 ,

FREE SALDO Rp 100.00 code: abual6yi

FREE SALDO Rp 100.00 code: abual6yi

yogasultan ,


Sangat membantu

Irfan8gb ,

Limit receh terlalu kecil

Gaji gw 12jt/bln tapi dikasih Limit 900rb buat apaan tuh limit receh dari segi apa nganalisa penghasilan saya? Ngarang kah? mau buat bayar tagihan indihome aja gak cukup, terus buat apaan duit segitu? Ahh useless banget fungsinya buat paylater tapi nominalnya receh sehingga ngga berguna bagi saya, mending pakai cc aja

Developer Response ,

Hi Irfan,

Mohon maaf kami sarankan silahkan untuk mendaftar program cicilan, kamu hanya perlu masuk ke aplikasi Kredivo dan mengklik "upgrade premium" di menu dashboard untuk mendapatkan limit maksimal. :)

Salam hangat,
Tim Kredivo


FinAccel Pte. Ltd.
72.9 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

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

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