Kredivo

Kredivo helps when you want to split payments or handle urgent expenses without a credit card. It provides a revolving credit line you can use across many partner stores and services in Indonesia, so everyday purchases feel more manageable. You apply digitally and, once approved, use the available limit for online or in person transactions. Additionally, repayment schedules are designed to fit different budgets. If this suits your needs, you can download Kredivo to manage purchases with clearer timelines.

Kredivo Features

Flexible payment options

Kredivo offers Pay in one month with zero percent interest and no admin fee. For larger needs, choose installments of 3, 6, 9, 12, 18, or 24 months. The maximum limit available is up to IDR 50,000,000. There is no down payment for services provided by Kredivo.

Transparent costs and example

For clarity on costs, installment plans start from 1.99 percent interest per month, with a maximum Annual Percentage Rate of 41.51 percent. Example, an installment of IDR 4,000,000 over 12 months at 1.99 percent per month results in a monthly payment of IDR 412,950 and a total repayment of IDR 4,955,400. Users can review these numbers before confirming any plan.

Fast application and checkout

To get started quickly, apply online by connecting your digital accounts through the app. The approval process can take minutes, after which you can pay using a simple two click checkout across thousands of merchants in Indonesia. Android users can install the Kredivo APK to register and start using the available limit for everyday shopping.

More ways to use Kredivo securely

Beyond shopping, you can buy mobile data and pulsa, pay utility bills, and purchase gaming or streaming vouchers inside the app. Personal loans are available with 3, 6, 9, 12, and 18 month tenors. All user data is encrypted, and Kredivo is licensed and regulated by OJK.

Get started with clear terms

Kredivo provides a credit line for daily purchases, bills, and planned installments with upfront rates and examples. Check your limit, tenor, and total cost before confirming any transaction. Install the Kredivo latest version to access current features and security updates on your Android device.