# Akulaku-Installment Shopping — Credit Installment Online Shop > Online marketplace for installment shopping and cash loans with flexible payment options. (iPhone/iPad app by AKULAKU SILVRR INDONESIA, PT.) - Source: https://appshunter.io/ios/app/akulaku-installment-shopping/id1125683586 (this page in markdown: same URL + `.md`) - Developer: [AKULAKU SILVRR INDONESIA, PT](https://appshunter.io/developer/1780454891) - Category: Shopping - Price: Free - Rating: 3.90/5 from 104 App Store ratings · 75 written reviews indexed - Age rating: 17+ - Requires: iOS 13.0 · 166 MB - Languages: English, Indonesian, Malay, Vietnamese - Released: 2016-06-21 - Data updated: 2026-07-09 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/akulaku-installment-shopping/id1125683586/reviews.md ## What is Akulaku? Akulaku is a marketplace which possess various services in it to support life necessities in order to achieve a better life - Buy Now Pay Later - Installment without Credit Card - Cash out from Credit Limit - Akulaku Pay goods credit in other e-Commerce - Can credit handphone, phone credit, data plan, movie ticket, plane ticket, electricity and water Everything you want is in Akulaku! Download Akulaku now! Lots of Product Choices Starts from gadget, laptop, camera, fashion, household necessities, mother and baby to other daily necessities can be paid in installments in Akulaku. A lot of daily promos awaits you! Look for everything you need, whenever, and wherever with just Akulaku Mobile App! Safe, Easy and Trusted Shopping Do not worry about shopping in Akulaku App. Akulaku will give the best service to customer. Payment cn be made in lots of choices. Installment Without Credit Card For Gadget, Camera and other products, you can pay in installments with tenor 3, 6, 9, 12 months with low down payment. Only up to 15% without the need for credit card! You can also apply for loans to financial partner through Akulaku - Loan Tenor : Installment payment, tenor more than 91 days. Start 3, 6, 9, to 12 months - Loan Limit : Up to 40 Million - Admin Fee : Every month, 1% from Loan Principal - Interest : Every month, 0.6% from Loan Principal - Maximum annual interest rate (APR) is 30%, include monthly interest fee and monthly admin fee. Example : If you apply for a loan of Rp2.000.000 with tenor of 6 months, monthly interest fee charged is 0.6% from loan principal, and monthly admin fee charged is 1% from loan principal. Then monthly bill you have to pay is Rp365.333, the total of all payments is Rp2.192.000, with APR 17.72%. Best Service Guarantee - Call Center Akulaku : 1500920, active 24 hours everyday from Monday - Sunday. - Fast delivery, 48 hours delivery for Jabodetabek (Greater Jakarta). - Easy return, return can be made within 7 days of receiving the goods. - Automatic Refund, refund funds transferred to your bank account within 24 hours automatically! Akulaku financing services is supported by PT Akulaku Finance Indonesia which domiciled in Sahid Sudirman Center 11C, Jl. Jend. Sudirman No. 86, RT.10/RW.11, Karet Tengsin, Tanah Abang, South Jakarta, Jakarta Capital Special Region 10250, Indonesia, registered in OJK with permit number KEP-436/NB.11/2018 Website：https://www.akulaku.com/ Facebook : facebook.com/AkuLakuIndonesia Twitter : @akulakuID Instagram : akulaku_id WhatsApp : https://api.whatsapp.com/send?phone=6281119120548 If you need assistance, please contact our customer care : Hotline : 1500920 Live Chat : In Akulaku App [Account] Page Contact us via Akulaku OFficial Customer Care Service : 1. Hotline : 1500920 (24 hours) 2. Live Chat : In Akulaku App [Account] Page (24 hours) 3. WhatsApp +62 811-1912-0548 (Chatbot) *DO NOT contact another number or unofficial help center. Akulaku NEVER ask for your password or verification code (OTP) so DO NOT share those information to anyone to help keep your account safe. ## Key features - Buy Now Pay Later - Installment without Credit Card - Cash out from Credit Limit - Credit for various services - Wide product selection - Loan application ## Recent user reviews (10 of 75) All indexed reviews: https://appshunter.io/ios/app/akulaku-installment-shopping/id1125683586/reviews.md ### 5/5 — pinjaman *2025-11-07* akulaku baik banget ngebantu gua dan pelayanan nya oke bangett! makasih ya akulaku semoga limit gua di tambahin😁 apalagi dpt bonus ### 1/5 — pepek rimek *2025-10-14, version 5.3.30* maksud lu ngasi lucky draw apa anj masak makin dket makin dikit dapet tai pepe klo gak niat yaudah gak usah ngasi tai apk butut ### 1/5 — stres *2025-10-11, version 5.3.30* disuruh undang teman untuk dapetin 300 rb tapi pas udah 287 ribu udah undanf 2 tmn di tmbah sedikit” otomatis disuruh undang lagi sampaiii beberapa orang nanti tu? kntl ### 1/5 — Aplikasi tolol yg ga harus didownload *2025-10-06, version 5.3.30* Kalo ada opsi ga ngasih binta ga ku kasih nih, 1 bintang aja mikir mikir karna pengen ngutarain ke tololan aplikasi ini ada event lucky spin udah ngundang temen 8 device hp masih aja ga dikasih tu 300 kan anjing aplikasi ngentot mana gabisa tu limit 200 ditarik ribet nian ### 1/5 — Pengguna *2025-09-26, version 5.3.30* Tidak rekomend tidak sesuai dengan iklan pinjaman disini susah cair susah di acc menyebalkan sudah beberapa bulan pake ni apk tapi ttp ga di acc mending di apk sebelah pinjaman cepat cair cepat di acc ### 1/5 — Aplikasi goblokkkkkkk bunga gak ngotak *2025-06-30, version 5.2.70* Pinjol ilegal ### 1/5 — di tolak *2025-02-17, version 5.2.20* padahal pas pertama kali bayarnya ga telat,tp yg kedua kali nyoba di tolak terus ### 1/5 — Payah *2025-02-17, version 5.2.20* Gabisa dipakai limit pinjamanya, padahal bayar gapernah telat Limit kredit juga max cuma bisa dipakai 25rb gajelas ### 5/5 — mantap *2024-12-31* bagus ### 5/5 — pencarian mudah *2024-11-25, version 5.1.80* bagus ## Frequently asked questions about Akulaku ### What is Akulaku? Akulaku is a marketplace that provides various services to support life necessities. It allows users to purchase a wide range of products and services on installment plans, including electronics, fashion, and travel tickets. It also offers options for cash loans through financial partners. ### How does the installment payment work? You can pay for products like gadgets and cameras in installments with tenors of 3, 6, 9, or 12 months, often with a low down payment of up to 15% and without needing a credit card. The app also facilitates loan applications with similar installment options. ### What are the costs associated with loans? Loans have a monthly interest fee of 0.6% and a monthly admin fee of 1% from the loan principal. The maximum annual interest rate (APR) is 30%, which includes these fees. An example shows a loan of Rp2,000,000 for 6 months results in a monthly bill of Rp365,333. ### What kind of products can I buy on installment? You can purchase a wide variety of products, starting from gadgets, laptops, cameras, fashion, household necessities, and items for mothers and babies, to other daily necessities. These can all be paid for in installments through the app. ### Is Akulaku available on other e-commerce platforms? Yes, the app allows you to use Akulaku Pay for goods credit on other e-commerce platforms. This means you can leverage your Akulaku credit to make purchases across different online shopping environments. ## Version history (last 5 releases) ### 5.5.02 — 2026-06-23 Known bug fixed and user experience improved. ### 5.5.00 — 2026-06-15 Known bug fixed and user experience improved. ### 5.4.90 — 2026-06-01 Known bug fixed and user experience improved. ### 5.4.80 — 2026-05-19 Fix known issues and optimize the interface ### 5.4.70 — 2026-04-28 Fix known issues and optimize the interface ## Apps similar to Akulaku | App | Rating | Price | Category | | --- | --- | --- | --- | | [Amazon Shopping](https://appshunter.io/ios/app/amazon-shopping/id297606951) | 4.8 (8,390,195) | Free | Shopping | | [Hypermart - Online Shopping](https://appshunter.io/ios/app/hypermart-online-shopping/id1143898407) | 3.1 (13) | Free | Shopping | | [MyHartono](https://appshunter.io/ios/app/myhartono/id1009475200) | 1.0 (1) | Free | Shopping | | [Blibli](https://appshunter.io/ios/app/blibli/id1034231507) | 4.7 (720) | Free | Shopping | | [Bukalapak - Jual Beli Online](https://appshunter.io/ios/app/bukalapak-jual-beli-online/id1003169137) | 3.4 (1,723) | Free | Shopping | | [Blibli Seller Center](https://appshunter.io/ios/app/blibli-seller-center/id1519219962) | 5.0 (3) | Free | Shopping | ## More apps by AKULAKU SILVRR INDONESIA, PT - [Akulaku Merchant](https://appshunter.io/ios/app/akulaku-merchant/id1633966543) All apps by AKULAKU SILVRR INDONESIA, PT: https://appshunter.io/developer/1780454891 ## Related topics [kredivo](https://appshunter.io/ios/topics/kredivo) · [akulaku](https://appshunter.io/ios/topics/akulaku) · [kredit pintar](https://appshunter.io/ios/topics/kredit-pintar) · [adakami](https://appshunter.io/ios/topics/adakami) · [samir](https://appshunter.io/ios/topics/samir) · [akulaku merchant](https://appshunter.io/ios/topics/akulaku-merchant) · [pinjam modal](https://appshunter.io/ios/topics/pinjam-modal) · [aplikasi pinjol](https://appshunter.io/ios/topics/aplikasi-pinjol) · [rupiah cepat](https://appshunter.io/ios/topics/rupiah-cepat) · [tunai](https://appshunter.io/ios/topics/tunai) · [cepat](https://appshunter.io/ios/topics/cepat) · [bukalapak](https://appshunter.io/ios/topics/bukalapak) · [kitap sepeti](https://appshunter.io/ios/topics/kitap-sepeti) · [absenku outsourcing](https://appshunter.io/ios/topics/absenku-outsourcing) · [lazada indonesia](https://appshunter.io/ios/topics/lazada-indonesia) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-09.*