# Credinex-Cicilan & Paylater 0% > 0% interest paylater, installment loans, and bill payments with merchant discounts. (iPhone/iPad app by PT. DIGITAL YINSHAN TECHNOLOGY.) - Source: https://appshunter.io/ios/app/credinex-cicilan-and-paylater-0/id1618176183 (this page in markdown: same URL + `.md`) - Developer: [PT. DIGITAL YINSHAN TECHNOLOGY](https://appshunter.io/developer/1618176336) - Category: Shopping - Price: Free - Rating: 4.98/5 from 44 App Store ratings · 54 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 51 MB - Languages: English - Released: 2023-03-09 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/credinex-cicilan-and-paylater-0/id1618176183/reviews.md ## What is Credinex? Lupa bawa uang tunai dan kartu kredit pas belanja? Pakai Credinex, paylater 0%! Masih ragu beli barang yang mahal? Limit hingga 50 juta bisa dicicil! Untungnya, Credinex menyediakan layanan Dana Talangan tanpa kartu. Paylater 0% hanya butuh 3 menit untuk melengkapi data. Segera download dan aktifkan Credinex Paylater, gunakan di ribuan merchant online dan offline, tanpa kartu Dana Talangan, tanpa uang tunai, bisa langsung melakukan pembayaran. Anda juga bisa top up pulsa telpon, paket data, dan membayar berbagai tagihan langsung di aplikasi. Jika pembayaran Anda berhasil, Anda akan berkesempatan untuk mendapatkan diskon dan promosi, serta berkesempatan mendapatkan kupon dari Blibli, Starbucks, Fore Coffee, Domino's, Alfamart, Indomaret, M-Tix, dan merchant lainnya. Pilihan pembayaran yang lebih fleksibel, Beli Sekarang Bayar Nanti Credinex Paylater 0%, Beli dulu bayar nanti, tidak perlu DP, tidak perlu kartu, mudah dan cepat. Paylater disediakan oleh Karunia Multi Finance, terdaftar dan diawasi oleh OJK. Dapat digunakan di banyak merchant Paylater dapat Anda gunakan di Tokopedia, Shopee, Blibli，JD.ID，Tiket.com，Starbucks，Janji jiwa，Kopi Kenangan，Xi bo ba，Chatime，KFC，Pizza Hut，Alfamart，Superindo，Hypermart，Cinema 21/XXI，Matahari ，Fore Coffee，Domino's, dan merchant terkenal lainnya, mulailah perjalanan belanja Anda dengan Credinex. Berbagai macam diskon, Keuntungan yang luar biasa Bayar dengan Credinex, Anda berkesempatan untuk mengikuti kegiatan diskon dalam waktu terbatas, dengan maksimal diskon Rp100.000 untuk sekali transaksi dan juga berkesempatan mendapatkan kupon Bilibli, Starbucks, Fore Coffee, Domino's, Alfamart, Indomaret, M-Tix dan mitra lainnya hingga Rp50.000. Bagaimana menggunakan Credinex? ●Setelah berhasil mengunduh aplikasi, masukkan nomor ponsel Anda untuk mendaftarkan akun Anda; ● Luangkan waktu 3 menit untuk mengisi data diri Anda dan aktifkan Paylater; ● Bisa untuk berbelanja online atau offline di seluruh merchant kesayangan Anda; ● Anda juga dapat top up pulsa, paket data, bayar tagihan air, PLN, BPJS dan tagihan lainnya langsung di aplikasi; Unduh lalu gunakan Credinex dan mulailah perjalanan belanja Anda! Hubungi Kami Customer Service: +6221 39506666 Email:csofficial@credinex.id Facebook：Credinex Marketing Instagram: credinex_official Jam Operasional Credinex Senin-Jumat: 9:00-18:00 Sabtu-Minggu: 8:00-17:00 ## Key features - 0% interest paylater - Installment plans up to 50 million - No credit card required - Bill payments and mobile top-ups - Discounts and coupons from partner merchants - Online and offline merchant acceptance ## Recent user reviews (10 of 54) All indexed reviews: https://appshunter.io/ios/app/credinex-cicilan-and-paylater-0/id1618176183/reviews.md ### 1/5 — Jangan download scam *2025-06-04, version 5.1.7* Aplikasi ini licik pembayaran qrisnya harus topup doku udah gitu gak bisa dipake tapi tagihan berjalan dan tidak bisa digunakan saldo dokunya ### 1/5 — kkk *2025-06-01, version 5.1.7* aplikasi gajelas lama bgt buat tau ngganya dapet limitnya bener” rusak ### 1/5 — Saldo nya tiba2 hilang sendiri, ngadu ke customer service pun tidak memberi solusi apa2.. *2025-05-31, version 5.1.7* Hati2 yang mau pake credinext, jangan sampe kejadian kaya saya, saldo nya tiba2 hilang, dan complain ke cistomer service pun percuma ### 5/5 — Hebat x aplikasi nya menipu *2025-05-27, version 5.1.7* Akun saya dipakai dipalikasi lain jya,ada pula pin nya tidak bisa digunakan padahal limit nya banyak,dikasih bintang satu tidak terterah dipaksa pakai bintang 5 kan kelihatan menipu🫢 ### 1/5 — Data bocor *2025-05-26, version 5.1.7* Hati-hati pakai aplikasi ini, tanggal jatuh tempo masih lama sudah chat-chat di WA segala. Sampai sekarang sering di chat chat WA nomer gak jelas. Pikir-pikir lagi deh kalau mau pake ### 1/5 — Basi *2025-05-25, version 5.1.6* Aplikasi gak jelas tiba2 gak bisa di pakai ### 1/5 — Penipuan dan penggelapan *2025-05-18, version 5.1.6* HARI HARI JANGAN PAKE AKUN INI,AWAL” LANCAR PAKE PYLATERNYA TIBA” SALDO EWALLATER GK BISA DI GUNAKAN DAN UDAH DI COMPLAIN BERBELIT BELIT DAN BEBERAPA HARI KEMUDIAN SALDO EWALLET TIBA TIBA HILANG TANPA TRANSAKSI DAN TAGIHAN TETAP ADA,TOTAL PENIPUAN 1.999.000 ### 5/5 — Aplikasi aneh *2025-05-17, version 5.1.6* Ini kenapa tidak bisa bertransaksi sih mau beli pulsa gk bisa ### 1/5 — ceramah *2025-05-12, version 5.1.5* cek limit aja lamaa, udahh nungguin lamaa enggaa di acc, tolong dong gimana sih kirain lama bakal di acc ternyata engga ### 1/5 — Kek mana ini udah masuk ke duku kok gk bisa dipakai masa saya harus bayar sedangkan tdk bs dipkai *2025-05-08, version 5.1.5* Benci ## Frequently asked questions about Credinex ### What is Credinex? Credinex is a paylater service that allows you to make purchases online and offline without needing cash or a credit card. It offers 0% interest paylater options and installment plans with limits up to 50 million Rupiah. You can also use it to top up phone credit, data packages, and pay various bills directly within the app. ### How do I use Credinex? After downloading the app, you need to register an account using your mobile number. Then, complete your personal data within 3 minutes to activate your Paylater. Once activated, you can use it for shopping at thousands of online and offline merchants, or for utility and mobile top-up payments. ### What are the benefits of using Credinex? Credinex offers a 0% interest paylater option, meaning you can buy now and pay later without additional interest charges. It also provides installment plans for larger purchases. By using Credinex, you have the chance to get discounts and coupons from popular merchants like Blibli, Starbucks, and Alfamart. ### Is Credinex available for all merchants? Credinex Paylater can be used at a wide range of popular online and offline merchants. This includes major e-commerce platforms like Tokopedia and Shopee, as well as well-known brands for food, coffee, and retail such as Starbucks, KFC, and Alfamart. ### Is there a cost to use Credinex? The app itself is free to download and use. The paylater service offers 0% interest for certain payment terms, and installment plans are available. You may also encounter transaction fees or late payment penalties if applicable, as per the terms and conditions. ## Version history (last 5 releases) ### 4.5.0 — 2024-06-04 1. Halaman Ul telah diperbaharui. ### 4.4.2 — 2024-05-22 1. Halaman Ul telah diperbaharui. ### 4.4.1 — 2024-05-20 1. Halaman Ul telah diperbaharui. ### 4.4.0 — 2024-05-16 1. Halaman Ul telah diperbaharui. ### 4.3.6 — 2024-04-28 1. Halaman Ul telah diperbaharui. ## Apps similar to Credinex | App | Rating | Price | Category | | --- | --- | --- | --- | | [Titipku - Belanja dari Pasar](https://appshunter.io/ios/app/titipku-belanja-dari-pasar/id1589789782) | 3.0 (2) | Free | Shopping | | [MPStore - SuperApp UMKM](https://appshunter.io/ios/app/mpstore-superapp-umkm/id1514516462) | — | Free | Shopping | | [Prima Mart](https://appshunter.io/ios/app/prima-mart/id1575840757) | — | Free | Shopping | | [BoraBora - Termurah Sejagat](https://appshunter.io/ios/app/borabora-termurah-sejagat/id6443734396) | — | Free | Shopping | | [FreeBox](https://appshunter.io/ios/app/freebox/id6444154502) | — | Free | Shopping | | [Laku6 Trade Center (LTC)](https://appshunter.io/ios/app/laku6-trade-center-ltc/id1583531107) | — | Free | Shopping | --- *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 2026-06-10.*