Kredivo - Paylater & Pinjaman

4.28.0

PT Kredivo Finance Indonesia

4.77

4,786,051 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 76 million times. In the last 30 days, the app was downloaded 970 thousand times. It is ranked #8 in finance.

User Ratings

Kredivo - Paylater & Pinjaman is rated 4.77 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 104.90 MB. The latest version available is 4.28.0. The last update was on July 22, 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:
A little polishing goes a long way.

This update is all about the simple things that matter: making your Kredivo app more stable and faster. It’s here to bring you a safer and more reliable shopping experience.

After all, we're always striving to serve you better than ever, one release at a time.

Let’s update your app now!

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More data about Kredivo - Paylater & Pinjaman

Price	Free to download
Total downloads	76 million
Recent downloads	970 thousand
Rating	4.77 based on 4.8 million ratings
Ranking	Top ranked
Version	4.28.0
APK size	104.9 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 Idr Payment Buy Installments Jakarta Paylater Merchants Shop Offers Process Fast Smartphone Tenors Flexible Sefleksibelitu Admin Quick Takes Minutes Erafone Indonesia Purchase Samsung Galaxy Office Address Rw Special Capital Region Update Month Credit Pay Online Loans Interest App Apply Card Personal Months Fee Maximum Rate Amount Approval Data

Keywords missing from this app

Loan Information Repayment Account Apr Total Easy Bank Mobile Business Lending Application Rates Service Time Period Money Days History Honest Term Contact Transaction Financial Aidacredit Customer Terms Cash Check Limit Ghc Existing Annual

Google Play Rating history and histogram

Rating history

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4.3M

210K

52K

26K

180K

Downloads over time

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Kredivo - Paylater & Pinjaman has been downloaded 76 million times. Over the past 30 days, it averaged 32 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

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Comments on Kredivo - Paylater & Pinjaman for Android

★★★★★ Reno Zaputra · Jul 27, 2026

Good, flexible, and wort hit apps for pay latter

★★★★★ dee goes · Jul 17, 2026

Fast, credible, trusted, clear system. Overall, reliable and good

★★★★★ 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.

★☆☆☆☆ 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
67	Indonesia	Overall	Top Free
8	Indonesia	Finance	Top Free
67	Indonesia	Applications	Top Free

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Ranking history in Indonesia

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Technologies used by Kredivo - Paylater & Pinjaman

35 permissions · 36 libraries

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Kredivo - Paylater & Pinjaman

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

About Kredivo - Paylater & Pinjaman

Download Statistics

User Ratings

App Information

Technical Requirements

More data about Kredivo - Paylater & Pinjaman

Alternative downloads for the Kredivo - Paylater & Pinjaman app

Kredivo - Paylater & Pinjaman compared with similar apps

Common keywords of similar apps

Keywords missing from this app

More from PT Kredivo Finance Indonesia

Google Play Rating history and histogram

Downloads over time

Changelog of Kredivo - Paylater & Pinjaman

Developer information for PT Kredivo Finance Indonesia

Share Kredivo - Paylater & Pinjaman

Comments on Kredivo - Paylater & Pinjaman for Android

Google Play Rankings for Kredivo - Paylater & Pinjaman

Top rankings

Ranking history in Indonesia

Technologies used by Kredivo - Paylater & Pinjaman