Proofs that Kredivo is the most flexible payment:
- Loan products: Buy Now Pay Later and 3, 6, 12-month installment
- Interest rate: 0% interest for Paylater up to 3 months, 2.6% interest per month for 6 and 12 month installment or a maximum annual rate of 53.36%
- Limit: maximum limit up to Rp30,000,000
- Example: If you choose a 12-month installment to pay a transaction worth Rp1,000,000 Kredivo charges an interest rate of 2.6% per month. The repayment amount that must be made per month is Rp109,340 and the total payment after a year is Rp1,312,080

Want to shop online 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?

Fortunately, Kredivo is here for you as an online credit line provider that offers installment without credit card as well as personal loans.

Kredivo is an award-winning app (Google Play Best Apps of 2017) that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few hours. If approved, you can directly shop online on installment using Kredivo “buy now and pay later” on Tokopedia, Lazada, Bukalapak,, Erafone, Best Denki, Electronic City, IKEA, McDonald's and 1000+ other merchants with just 2 clicks.

Want to buy a new mobile phone? You can buy it online, no credit card needed and zero down payment, by choosing Kredivo as a payment method at your favorite merchant. You can also buy pulsa/data, pay bills, buy game and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need.

Want to have a seamless online flight booking experience? You can book your flight ticket now and pay later, anywhere you wish, through Kredivo app. Right at your fingertips, you can find the cheapest flight tickets from various airlines, both domestic and international, including Garuda Indonesia, Batik Air, Citilink, and AirAsia.



Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.


Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo has also been officially registered and regulated by OJK, so its credibility is guaranteed!


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 or call 0807-1-573348.

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.

From version Kredivo - Cicilan s/d 12 Bulan 3.11.0:

Are you known for NOT having cash in hands?

If yes,

Now you can just walk to the nearest coffee shop, pay with QRIS (while at it, I can redeem my points and voucher too!)

Online payments also getting easier for streaming services and ecommerce,
you just activate Infinite Cards which is connected to your Kredivo Limit. It’s 100% safe too!

We also improved easier change PIN process and discover your favorite merchant easily

Let's update!

All versions
Kredivo - Cicilan s/d 12 Bulan 3.11.0


Uploaded:May 17, 2023 at 5:27PM UTC

File size:30.13 MB


Kredivo - Cicilan s/d 12 Bulan 3.10.0


Uploaded:April 17, 2023 at 11:46AM UTC

File size:29.93 MB


Kredivo - Cicilan s/d 12 Bulan 3.9.3


Uploaded:April 4, 2023 at 2:06PM UTC

File size:29.66 MB


Kredivo - Cicilan s/d 12 Bulan 3.8.0


Uploaded:March 20, 2023 at 2:51AM UTC

File size:29.42 MB


Kredivo - Cicilan s/d 12 Bulan 3.7.5


Uploaded:March 7, 2023 at 2:52PM UTC

File size:29.42 MB


Kredivo - Cicilan s/d 12 Bulan 3.7.4


Uploaded:February 22, 2023 at 2:42PM UTC

File size:28.6 MB


Kredivo - Cicilan s/d 12 Bulan 3.7.3


Uploaded:February 16, 2023 at 10:21AM UTC

File size:28.6 MB


Kredivo - Cicilan s/d 12 Bulan 3.7.2


Uploaded:February 13, 2023 at 4:33PM UTC

File size:28.55 MB


Kredivo - Cicilan s/d 12 Bulan 3.7.0


Uploaded:December 26, 2022 at 3:45AM UTC

File size:29.34 MB


Kredivo - Cicilan s/d 12 Bulan 3.6.9


Uploaded:December 16, 2022 at 6:08AM UTC

File size:28.71 MB