Comparison

Mekari Flex vs Cicil

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Mekari Flex

This app offers employees flexible financial benefits, including early access to earned wages and installment plans for larger expenses. It also provides a customizable benefits program with various partner options. The service is available to employees of companies that have adopted the platform.

Highlights
  • Earned wage access
  • Flexible installment plans
  • Customizable benefits program
  • Access to partner vendors
  • Financial stability tools
Features
Read full description

Mekari Flex helps companies provide employees with convenient and flexible financial benefits, empowering them to meet their immediate financial needs while promoting long-term financial stability by offering features such as earned wage access, flexible instalment, and flexible benefits program. Accessible Salary: employees can access a portion of earned wages before regular payday, without interest fees. To help cover unexpected expenses or emergencies instantly. Flex Installment: enables employees to get funding up to 2x monthly wage with flexible & low-interest installments. This feature allows employees to fulfill bigger urgent expenses without disrupting their budget, whether it's a medical bill, educational expenses, or home repairs. Flex Benefit: employees are given a certain amount of credits that they can use to choose from a range of benefits options that meets their unique needs. Mekari Flex has collaborated with dozens of benefit partner vendors so employees can directly select benefits through the application. Employees can also get special prices and other attractive offers from Mekari Flex. Mekari Flex mobile version can only be used by companies that use Mekari Flex. Contact our sales team at benefit-consultant@mekari.com for more info.

About

Cicil

Features
Read full description

CICIL adalah platform Teknologi Finansial yang terdaftar dan diawasi oleh OJK (Otoritas Jasa Keuangan) dengan misi menyediakan solusi pembiayaan Supply Chain serta Ecosystem Financing secara transparan dan bertanggung jawab. Keuntungan sebagai Peminjam 1.⁠ ⁠Bunga kompetitif 2.⁠ ⁠Jaminan keamanan 3.⁠ ⁠Proses mudah dan cepat 4.⁠ ⁠Transparan atas biaya yang dikenakan Keuntungan sebagai Pendana 1.⁠ ⁠Perolehan Imbal hasil sampai dengan 16% per tahun 2.⁠ ⁠Transparansi informasi 3.⁠ ⁠Leluasa dalam pemilihan pendanaan 4.⁠ ⁠Penarikan dana secara realtime 5.⁠ ⁠Promo dan hadiah menarik bagi para Pendana Prioritas KOMITMEN KEAMANAN PT. CICIL SOLUSI MITRA TEKNOLOGI merupakan perusahaan penyedia layanan pendanaan bersama berbasis teknologi informasi yang telah memiliki izin operasional dari Otoritas Jasa Keuangan (OJK) dengan Nomor Izin KEP-20/D.05/2021 sehingga pelaksanaan kegiatan usahanya diawasi secara ketat oleh OJK berdasarkan Peraturan Otoritas Jasa Keuangan 10/POJK.05/2022 Tahun 2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi. CICIL juga merupakan anggota aktif dan tunduk terhadap kode etika penyelenggara yang disusun oleh Asosiasi Fintech Pendanaan Bersama Indonesia. Semua data pengguna PT. CICIL SOLUSI MITRA TEKNOLOGI terenkripsi dan disimpan di pusat data yang berada di Indonesia yang hanya dapat diakses oleh pihak yang berwenang. Secara lebih lengkap anda dapat mengunjungi halaman; Ketentuan Pengguna dan Kebijakan Privasi. Informasi lebih lanjut, hubungi Customer Service kami di : Phone: +6281113102759 WA : +6281113102759 Email: contactus@cicil.co.id Instagram: @cicil.co.id Website: cicil.co.id Alamat Kantor Utama : Landmark Centre Tower A. Lantai 7 Jl. Jend. Sudirman Kav 1 Kuningan, Setiabudi, Jakarta Selatan DKI Jakarta 12910

Screenshots

Mekari Flex4 screens
Cicil4 screens

Verdict

The call

The clearest difference is iOS requirement: Mekari Flex at 13.0 against Cicil's 15.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Mekari Flex ships an update every 4 weeks, Cicil every 3 weeks. The most recent releases landed on October 6, 2026 and September 29, 2026 respectively.

Scorecard1 real difference · 7 level
Mekari Flex versus Cicil: the parameters behind the verdict, then further details
ParameterMekari FlexCicil
PriceFreeFree
Positive reviews51.9% of reviews—
Update frequencyEvery 4 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size121 MB14 MB
Age rating12+17+
DeveloperPT. Mid Solusi NusantaraPT. CICIL SOLUSI MITRA TEKNOLOGI

In-app purchases

None

Mekari Flex

No in-app purchases

None

Cicil

No in-app purchases

Questions

Is Mekari Flex free?
Mekari Flex is free to download, with no in-app purchases.
Is Cicil free?
Cicil is free to download, with no in-app purchases.
Do Mekari Flex or Cicil have ads?
Neither Mekari Flex nor Cicil shows ads.
Which is updated more often, Mekari Flex or Cicil?
Mekari Flex ships an update every 4 weeks, and Cicil every 3 weeks. Most recently, Mekari Flex was updated on October 6, 2026 and Cicil on September 29, 2026.

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