# Kredivo - Paylater & Loans — Installments & Cash Loans > Digital credit line for installment payments and cash loans without a credit card. (iPhone/iPad app by FinAccel Pte. Ltd..) - Source: https://appshunter.io/ios/app/kredivo-paylater-and-loans/id1255413338 (this page in markdown: same URL + `.md`) - Developer: [FinAccel Pte. Ltd.](https://appshunter.io/developer/1255413337) - Category: Finance, Shopping - Price: Free - Rating: 4.81/5 from 811 App Store ratings · 34 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 221 MB - Languages: English, Indonesian - Released: 2017-10-05 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/kredivo-paylater-and-loans/id1255413338/reviews.md ## What is Kredivo? Proofs that Kredivo is the most flexible payment: - Product financing with installment payments: Pay later in 1 month and 3, 6, 12, 18 and 24-month installment - Interest rate: 0% interest for pay in 30 days and 3 months installment, starting from 1.99% per month for 6, 12, 18 and 24 month installment (Premium account only). - Limit: maximum limit of up to IDR 50,000,000 - Simulation: If you choose a 12-month installment to pay a transaction worth IDR 2,000,000, Kredivo charges an interest rate of 1.99% per month. The monthly repayment amount is IDR 206,480 and the total repayment amount is IDR 2,477,760 Want to shop online or offline on installment but don't have a credit card? Need quick loans for emergency situations? Want to apply for credit but too many hassles or have been rejected before? Luckily, Kredivo is here for you as an online credit line provider that offers installment without credit card as well as personal loans from KrediFazz in one go. Kredivo is a digital credit application that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few minutes. If approved, you can directly shop on installment using Kredivo in online and offline merchants such as Tokopedia, Shopee, Lazada, Indomaret, Alfamart, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 4000+ other merchants with just 2 clicks. Want to buy a new mobile phone? You can buy it online or offline, no credit card needed and zero down payment by choosing Kredivo as a payment method at your favorite merchant. Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink and AirAsia. Want to buy furnitures? Fashion items? You can buy anything, anywhere with Kredivo. You can also pay your utility bills, buy pulsa/data packages, gaming/streaming vouchers, and gasoline from the Kredivo app directly. Moreover, get quick cash advance from KrediFazz via Kredivo to cater your every need with 3, 6, and 12-month installments. Kredivo #Sefleksibelitu, isn't it? No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo: ◉ SIMPLER AND FASTER You can just apply online by uploading your KTP via the Kredivo app, no salary slip required. After an approval process that takes minutes, you can buy your dream item on credit or get loans instantly from KrediFazz with no hassles. ◉ SAFE AND SECURE Don't worry about security, because all Kredivo user's data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed! ◉ 0% INTEREST & WITHOUT DOWN PAYMENT Kredivo offers one of the lowest interest rates in the market. Plus, there is no down payment charged for all Kredivo services. Have feedback for us? Email us at support@finaccel.co or call 0804-1-573348. Business address: Dipo Tower Level 3 Unit A-B, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260 Customer service office address: Gedung FinAccel Lantai 3, Jl. Tomang Raya No.1, RT.2/RW.1, Jatipulo, Kecamatan Palmerah, Kota Jakarta Barat, Daerah Khusus Ibukota Jakarta 11430 ## Key features - Installment payments up to 24 months - 0% interest options - High credit limits - Cash loan advances - Bill payments and voucher purchases - No credit card required - Fast approval process ## What do users think of Kredivo? Overall sentiment: positive **Pros** - 👍 Easy to use - 👍 Helpful for financial management - 🚀 Fast and responsive - 👍 Convenient for shopping and paying bills - 👍 Excellent service **Cons** - 🐛 Unreliable app with issues - 💰 High interest rates - 🔒 Security concerns and potential scams **Commonly reported bugs** - Voucher issues leading to unexpected charges - Difficulty in registering for premium membership **Most requested features** - Faster approval process for premium membership - Improved app stability and reliability ## Recent user reviews (10 of 34) All indexed reviews: https://appshunter.io/ios/app/kredivo-paylater-and-loans/id1255413338/reviews.md ### 5/5 — Great app *2025-02-26* Easy to use and easy for applying as well… **Developer response:** Hi Kak Basuki, Terima kasih telah menggunakan Kredivo. Semoga memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika kedepannya ada kendala atau pertanyaan seputar Kredivo, tidak perlu sungkan menghubungi tim support Kredivo melalui nomor layanan 08041573348, email ke support@kredivo.com menggunakan email yang terdaftar dan layanan live chat pada aplikasi (Setiap hari Senin-Minggu pukul 08.00 - 22.00 WIB). Respon cepat dan solusi tepat, apapun itu #TanyaKredivoAja\ Salam hangat, Damian ### 5/5 — sss *2024-12-21* sangant membantu saat saat tanggal tanggung,,terumakasih kredivo **Developer response:** Hi Kak Arif, Terima kasih telah menggunakan Kredivo. Semoga dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kak Arif. Jika memiliki kendala, tidak perlu sungkan hubungi tim support Kredivo melalui nomor layanan 08041573348, email ke support@kredivo.com menggunakan alamat email terdaftar dan layanan live chat pada aplikasi (Setiap hari Senin-Minggu pukul 08.00 - 22.00 WIB). Respons cepat dan solusi tepat, apapun itu #TanyaKredivoAja Salam hangat, Yana ### 5/5 — Excellent *2024-02-28* Make my life more easier **Developer response:** Hi Kak Mayumi, Terima kasih telah menggunakan Kredivo. Semoga dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kak Mayumi. Jika memiliki kendala, tidak perlu sungkan hubungi tim support Kredivo di nomor 08041573348, email ke support@kredivo.com atau live chat pada aplikasi. Salam hangat, Bian ### 5/5 — Pelayanan Terbaik *2024-01-06* Tercepat 👍👍👍👍👍 **Developer response:** Hi Kredipal, Terima kasih telah menggunakan Kredivo. Semoga dapat memberikan kemudahan dan kenyamanan pembayaran transaksi Kakak. Jika memiliki kendala, tidak perlu sungkan hubungi tim support Kredivo di nomor 08041573348, email ke support@kredivo.com atau live chat pada aplikasi. :) Salam hangat, Darla ### 5/5 — pendapat pribadi *2023-10-17* bagi saya pribadi berguna dan membantu. bisa jadi mini kartu kredit dan mini bank **Developer response:** Hi Kak Hari, Terima kasih telah menggunakan Kredivo. Semoga Kredivo dapat memberikan kemudahan dan kenyamanan transaksi Kak Hari. Apabila memiliki kendala, silakan hubungi Tim Support kami di 08071573348, email ke support@kredivo.com menggunakan email yang terdaftar dan layanan live chat pada aplikasi (Setiap hari Senin-Minggu pukul 08.00 - 22.00 WIB). Kami akan senantiasa membantu Kakak. Salam hangat, Elia :) ### 1/5 — aplikasi scam penipu *2023-07-27* saya berprofesi sebagai programer jadi bukan orang gaptek, tertarik sama promo kredivo menggunakan infinite card, anehnya waktu transaksi tidak ada kolom penggunaan voucher dan akhirnya hangus dan tertagih, aplikasi ini bener2 cacat dan scam, jangan pernah pakai aplikasi ini jika anda gak mau di tipu dengan cara bermain licik aplikasi ini, saya yg bukan orang gaptek aja ketipu apalagi orang awam jelas2 pasti di tipu habis2an, not recommended semoga kedepannya sistem aplikasi ini corrupt dan keuangannya kacau sukur2 databasenya dihancurin biar perusahaannya kacau, sukur2 bangkrut **Developer response:** Hi Kak Irfan, Mohon maaf atas kendala yang dialami. Jika yang dimaksud terdapat pembatalan transaksi menggunakan Infinite Card dan telah berhasil maka silakan lakukan pengecekan melalui aplikasi. Namun jika transaksi dibatalkan, mohon Kak Irfan melampirkan bukti pembatalan dari pihak merchant dan melampirkan bukti 4 digit terakhir nomor kartu, tanggal transaksi serta detail product melalui email kami di support@kredivo.com menggunakan email terdaftar. Pastikan kembali untuk penggunaan voucher, transaksi Kakak sudah sesuai dengan ketentuan ya. Informasi lebih lanjut Kakak dapat menghubungi tim Customer Support Kredivo melalui nomor layanan 0807-1-573348 atau layanan live chat di aplikasi (Setiap hari Senin-Minggu pukul 08.00 - 22.00 WIB). ​ Salam hangat, Darla ### 1/5 — Why do I need to wait for 3 whole months to be a premium member? *2022-12-30* Doesn’t make sense at all when you are eligible and it forces you to wait 3 months anyway. **Developer response:** Hi Kak Edo, Maaf atas kendalanya. Jika yang dimaksud pengajuan pendaftaran akun Kredivo Kak Edo belum dapat disetujui, pastikan data sudah sesuai ketentuan karena seluruh pengajuan akan dicek terlebih dahulu. Kakak dapat melakukan pengajuan kembali 3 bulan kedepan. Untuk info lebih lanjut hubungi CS di 08071573348 Salam hangat, Teddy ### 3/5 — Bunga *2022-10-07* Suku bunga terlalu mahal coba di pertimbangkan lagi **Developer response:** Hi Kak Hamim, Mohon maaf atas kendalanya. Kak Hamim dapat menikmati tenor 30 hari bebas biaya bunga, hanya biaya layanan 1%, tenor 3 bulan bunga sebesar 0% dan biaya admin sebesar 2% per bulan. Tenor 6 & 12 bulan hanya akan dikenakan bunga senilai 2,6% per bulan. Tentunya bunga di Kredivo masih tetap yang terendah di pasaran ya. Salam hangat, Teddy ### 5/5 — ripiu *2022-09-23* membantu banget 😂 **Developer response:** Hi Kak Simo, terima kasih telah menggunakan Kredivo. Semoga Kredivo dapat memberikan kemudahan dan kenyamanan transaksi Kak Simo. Apabila memiliki kendala, silakan hubungi Tim Support kami di 08071573348, email ke support@kredivo.com menggunakan email yang terdaftar atau layanan live chat pada aplikasi (Setiap hari Senin-Minggu pukul 08.00 - 20.00 WIB). Salam hangat, Elia :) ### 5/5 — nyaman bersama kredivo *2022-09-09* mudah tanpa ribet di setiap transaksi nya **Developer response:** Hi Kredipal, terima kasih telah menggunakan Kredivo. Semoga Kredivo dapat memberikan kemudahan dan kenyamanan transaksi Kakak. Apabila memiliki kendala, silakan hubungi Tim Support kami di 08071573348, email ke support@kredivo.com menggunakan email yang terdaftar atau layanan live chat pada aplikasi (Setiap hari Senin-Minggu pukul 08.00 - 20.00 WIB). Salam hangat, Elia :) ## Frequently asked questions about Kredivo ### What can I do with this app? This app allows you to shop online and offline using installment payments without needing a credit card. You can also access quick cash loans, pay utility bills, buy data packages, and purchase gaming or streaming vouchers directly through the application. ### What are the interest rates and limits? The app offers 0% interest for pay in 30 days and 3-month installments. For longer installments (6, 12, 18, 24 months), interest rates start from 1.99% per month for premium accounts. The maximum credit limit can go up to IDR 50,000,000. ### How do I apply for credit? The registration process is simple and takes about 5 minutes. You apply online by uploading your KTP, and approval is typically given within minutes. No salary slip is required, and there is no down payment. ### Is this app safe to use? Yes, all user data is encrypted for security. The app is licensed and regulated by OJK, ensuring its credibility and trustworthiness. ### Where can I use this payment method? You can use this payment method at over 4000 online and offline merchants, including popular platforms like Tokopedia, Shopee, Lazada, Indomaret, Alfamart, and brands like H&M and IKEA. ## Version history (last 5 releases) ### 3.58.0 — 2025-03-06 Ramadan is here, Ramadan is here~ Hold up, here’s something new on Kredivo! What is it? What's New - Play Ramadan Mission to win rewards, and flex them for Lebaran! - You can now request cancellation for 1-month installment transaction. Quick & easy. - Fresh design look for Excess Credit page. Enjoy the view! So, what are you waiting for? Update your app now! ### 3.57.0 — 2025-03-04 Ramadan is here, Ramadan is here~ Hold up, here’s something new on Kredivo! What is it? What's New - Play Ramadan Mission to win rewards, and flex them for Lebaran! - You can now request cancellation for 1-month installment transaction. Quick & easy. - Fresh design look for Excess Credit page. Enjoy the view! So, what are you waiting for? Update your app now! ### 3.56.1 — 2025-02-08 No need to wait for repayment to get bonus Points!? Yes! You can now get bonus Points after completing a transaction, so you can use the Points on other transactions. Don't miss out & update now! ### 3.56.0 — 2025-02-05 No need to wait for repayment to get bonus Points!? Yes! You can now get bonus Points after completing a transaction, so you can use the Points on other transactions. Don't miss out & update now! ### 3.55.0 — 2025-01-27 Make sure you always get the best experience on Kredivo with this app update. Let’s update now! ## Apps similar to Kredivo | App | Rating | Price | Category | | --- | --- | --- | --- | | [Apple Wallet](https://appshunter.io/ios/app/apple-wallet/id1160481993) | 4.8 (6,665,079) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,299,362) | Free | Finance | | [Paytm: Secure UPI Payments](https://appshunter.io/ios/app/paytm-secure-upi-payments/id473941634) | 4.7 (39,187) | Free | Finance | | [PayZapp UPI, Pixel Credit Card](https://appshunter.io/ios/app/payzapp-upi-pixel-credit-card/id6443480917) | 4.8 (1,185) | Free | Finance | | [Maya – savings, loans, cards](https://appshunter.io/ios/app/maya-savings-loans-cards/id991673877) | 4.6 (3,792) | Free | Finance | | [Freecharge UPI & Bill Payments](https://appshunter.io/ios/app/freecharge-upi-and-bill-payments/id877495926) | 4.6 (247,236) | Free | Finance | --- *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.*