The tenors, the usage, the merchants—Kredivo's flexibility is unmatched! Here's why Kredivo stands out as the most flexible payment option:

- **Product Financing with Installment Payments**: You can opt for deferred payments with terms of 1 month, or spread out your payments over 3, 6, 12, 18, and 24 months.

- **Interest Rates**: Enjoy 0% interest when you choose to pay within 30 days or opt for a 3-month installment plan. For longer terms of 6, 12, 18, and 24 months, premium account holders can benefit from rates starting at just 1.99% per month, with a maximum annual rate of 41.51%.

- **Credit Limit**: Kredivo offers a generous maximum limit of up to IDR 50,000,000, catering to a wide range of financial needs.

- **Payment Simulation**: For instance, if you select a 12-month installment plan for a transaction valued at IDR 2,000,000, Kredivo applies an interest rate of 1.99% per month. This results in a monthly repayment of IDR 206,480, with a total repayment of IDR 2,477,760.

Are you looking to shop on installment without a credit card? Do you need a quick loan for emergencies? Have you been turned down by traditional credit applications? Kredivo offers a seamless solution as an online credit provider, delivering both installment options and personal loans through KrediFazz in a single platform.

Kredivo is a digital credit application designed to assess your creditworthiness instantly. The sign-up process is swift, taking just 5 minutes, with approvals granted within minutes. Once approved, you can start shopping on installment with Kredivo at a variety of online and offline merchants, including Tokopedia, Shopee, Lazada, Indomaret, Alfamart, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's, and over 4000 other merchants, all with just two clicks.

Whether you're in the market for a new mobile phone, flight tickets, furniture, or fashion items, Kredivo allows you to purchase these products online or offline without a credit card and with zero down payment. You can also use Kredivo to pay utility bills, purchase mobile data packages, gaming and streaming vouchers, and even buy gasoline directly from the app. Additionally, KrediFazz offers quick cash advances via Kredivo, available in 3, 6, and 12-month installments to meet your needs.

Kredivo truly embodies the slogan #Sefleksibelitu, making it the ultimate flexible payment solution! Here are three more compelling reasons to choose Kredivo:

- **Simpler and Faster**: Applying for credit is a breeze with Kredivo—just upload your KTP via the app, and no salary slip is required. After a quick approval process, you can instantly purchase items on credit or access loans from KrediFazz without any hassle.

- **Safe and Secure**: Your data is protected with Kredivo, as all user information is encrypted. Additionally, Kredivo is regulated by OJK, ensuring its credibility and your peace of mind.

- **0% Interest & No Down Payment**: Kredivo boasts some of the lowest interest rates on the market and charges no down payment for any of its services.

For more detailed information, you can refer to the General Product and Service Information Summary (RIPLAY) available at www.kredivo.id. If you have any feedback, feel free to email us at [email protected] or call 0804-1-573348.

Our business address is 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. The customer service office is located at Gedung FinAccel Lantai 3, Jl. Tomang Raya No.1, RT.2/RW.1, Jatipulo, Kecamatan Palmerah, Kota Jakarta Barat, Daerah Khusus Ibukota Jakarta 11430.

What's New in the Latest Version 3.48.0

Last updated on Oct 17, 2024

Minor bug fixes and improvements have been made. Install or update to the newest version to experience these enhancements!