Kredivo - Paylater & Pinjaman

4.26.0

PT Kredivo Finance Indonesia

4.74

4,758,911 reviews

50,000,000+
Downloads

Free

The tenors, the usage, the merchants, Kredivo's that flexible!

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About Kredivo - Paylater & Pinjaman

Kredivo - Paylater & Pinjaman is a finance app developed by PT Kredivo Finance Indonesia.

Download Statistics

Kredivo - Paylater & Pinjaman has been downloaded 75 million times. In the last 30 days, the app was downloaded 600 thousand times. It is ranked #8 in finance.

User Ratings

Kredivo - Paylater & Pinjaman is rated 4.74 out of 5 stars. The rating is based on 4.8 million ratings.

App Information

Kredivo - Paylater & Pinjaman is FREE to download. The APK download size is 104.05 MB. The latest version available is 4.26.0. The last update was on June 26, 2026.

Technical Requirements

Kredivo - Paylater & Pinjaman requires Android 6.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play December 2015.

Description

Proof that Kredivo is #Sefleksibelitu (read until the end!)

Loan products: Pay in one month and installment plans with tenors of 3, 6, 9, 12, 18, and 24 months.

Interest rates: 0% interest and no admin fee for Pay in one month, and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment. The maximum Annual Percentage Rate (APR) is 41.51%.

Maximum limit: Up to IDR 50,000,000.

Example: If you apply for an installment of IDR 4,000,000 for 12 months with an interest rate of 1.99% per month, the monthly payment will be IDR 412,950, with a total repayment amount of IDR 4,955,400.

Do you want to shop online in installments but don’t have a credit card? Or do you need quick loans for emergency situations, but too many hassles or have been rejected before?

You can use Kredivo as an online credit line provider that offers installment without credit card as well as personal loans.

The registration process for loans and online installments on Kredivo only takes 5 minutes, with a relatively fast approval process. Once approved, you can immediately shop on installments using Kredivo at Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald’s, and more than 10,000 other merchants across Indonesia, with just two clicks.

Planning to buy a new smartphone? Kredivo Paylater can be used like a smartphone installment app or a no-down-payment credit app. You can easily pay in installments or apply for online credit without a credit card to purchase Xiaomi Redmi Note 14, Samsung Galaxy A26, Samsung Galaxy A55, VIVO Y18, OPPO A3 Pro, and other Android smartphones.

For example, if you want to purchase a smartphone priced at around IDR 3 million at Erafone or other merchants, you can use Kredivo Paylater, which offers greater flexibility along with 0% installment promotions.

Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink, AirAsia, and many other airlines. Want to buy furniture or shop for fashion? All of it can be paid for using Kredivo.

You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need with 3, 6, 9, 12 and 18-month installment.

So, what do you think? Kredivo really is #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
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.

◉ SAFE & SECURED
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!

◉ NO INTEREST, ADMIN FEE, AND DOWN PAYMENT
No fees for payments in the next one month! You pay the exact price amount. Plus, there is no down payment for all Kredivo services.

Have feedback for us? Email us at support@kredivo.com
or by phone at 0804-1-573348.

Head Office Address:
Dipo Tower Level 3 Unit A–B, Jalan Jenderal Gatot Subroto No. Kav. 51–52, RW.7, Central Jakarta, Special Capital Region of Jakarta 10260.

Customer Service Office Address:
Kredivo Building, 3rd Floor, Jl. Tomang Raya No. 1, RT.2/RW.1, Jatipulo, Palmerah District, West Jakarta, Special Capital Region of Jakarta 11430.

Recent changes:
KrediPal, can you believe 2026 is almost halfway through? To keep the momentum going, Kredivo has some exciting updates for you:

- Starting now, bills due within 7 days will appear on your Home screen. No more worrying about missing a payment.
- Business Loan vouchers are here! Enjoy discounts, Kredivo Points cashback, or free installment when you apply.

Don’t miss these updates, get the latest Kredivo app version now!

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More data about Kredivo - Paylater & Pinjaman

Price	Free to download
Total downloads	75 million
Recent downloads	600 thousand
Rating	4.74 based on 4.8 million ratings
Ranking	Top ranked
Version	4.26.0
APK size	104.1 MB
Number of libraries	36
Designed for Android	6.0+
Suitable for	Everyone
Ads	NO ads

App Performance Report

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Alternative downloads for the Kredivo - Paylater & Pinjaman app

Kredivo - Paylater & Pinjaman compared with similar apps

Common keywords of similar apps

Kredivo Installment Payment Idr Buy Installments Jakarta Paylater Merchants Shop Offers Process Smartphone Tenors Flexible Sefleksibelitu Admin Starting Takes Minutes Fast Erafone Indonesia Purchase Samsung Galaxy Bills Vouchers Office Address Month Credit Pay Online Loans App Interest Apply Card Personal Loan Months Fee Maximum Rate Amount Quick Approval Data

Keywords missing from this app

Repayment Information Total Easy Apr Days Account Business Bank Mobile Time Contact Service Application Money Financial Period Security Lending Honest Limit Aidacredit Cash History Rates Transaction Secure Privacy Monthly Ghc Term

Google Play Rating history and histogram

Downloads over time

Kredivo - Paylater & Pinjaman has been downloaded 75 million times. Over the past 30 days, it averaged 20 thousand downloads per day.

Changelog of Kredivo - Paylater & Pinjaman

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Developer information for PT Kredivo Finance Indonesia

PT Kredivo Finance Indonesia

support@kredivo.com

Website

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Comments on Kredivo - Paylater & Pinjaman for Android

★★★★★ Samuel Hutauruk · Jun 14, 2026

So far my transactions, using Kredivo have been successful. Thank you, Kredivo. I love you 💝

★★★★★ Bonie Brownie · Jul 3, 2026

Ready helpful for my limited financial with easy installment but be careful they charge you with very high interest if you make late payment.

★☆☆☆☆ Rai Salengko · Jun 14, 2026

Worst experience ever, this fintech is the worst, so many violations against the user !!

★☆☆☆☆ Gray Raven · Jul 8, 2026

Beware !!! This is a scam loan, please check other 1-star review, they use bot chat for the customer service that can only response with a template answer, not helpful at all ! My last payment i late to pay for 2 days, after I pay my loan including the 2 days late penalty the application didn't detect it, I need to wait 24 hours just for the application to confirm my payment which is now a 3 days late, and guest what ? They still add the 3 day as a penalty ?????

Google Play Rankings for Kredivo - Paylater & Pinjaman

Top rankings

Rank	Country	Category	List
75	Indonesia	Overall	Top Free
8	Indonesia	Finance	Top Free
78	Indonesia	Applications	Top Free

Show all market rankings

Ranking history in Indonesia

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