Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Kredivo review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Kredivo suits Indonesian salaried borrowers who want a purchase split into instalments decided inside the app. Amounts run IDR 1,000,000 to IDR 50,000,000 over terms of 1 to 24, and the hard credit check means the file has to be in reasonable shape first.

Key facts

Best for
Indonesian borrowers splitting a purchase into fixed monthly instalments.
APR
0% to 41.51%↗
Loan amount
IDR 1,000,000 to IDR 50,000,000↗
Term
1 to 24 months↗
Arrangement fee
0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans↗
Credit check
Hard↗
Funding time
Application in 5 minutes, account decision within 1x24 hours↗
Representative example
IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000↗
Origination fee (%)
0%↗
Loan types
BNPL, Personal, Credit-line↗
Legal entity
PT Kredivo Finance Indonesia↗
Headquarters
Indonesia↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
kredivo.id

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • A quick start, with Application in 5 minutes, account decision within 1x24 hours from application to decision.
  • Loan types cover bnpl, personal and credit line, and the feature list includes same day funding and credit line.
  • Support runs on phone, email and chat.
  • Interest is fixed and the model is fixed rate, so the instalment holds steady.

Cons

  • Applications run a hard credit check, and a decline can weigh on your file.
  • KrediFazz cash loans add a fee on the amount borrowed, while the instalment plans charge 0%.
  • Repayment terms run 1 to 24, well under the 36 median for personal loans.
Kredivo

Ready to try Kredivo?

Scored 9.3 / 10 by SumCue.

Visit

Who it suits

  • Indonesian citizens domiciled in Indonesia who meet the minimum monthly income rule.
  • Salaried borrowers who want the instalment amount set up front and the decision made in the app.
  • People who want a direct lender on the contract, with same day funding and credit line in the account.

Who should look elsewhere

  • Cashspace, whose PHP 12 to PHP 36 is a peso rate for a different market.
  • Creduma ES, whose amounts start at from €12,000 in euros, so a rupiah need sits in the wrong currency.
  • Sofkredit, whose 10.74% to 18.06% is set in Spain and applies to another market.

Safety of your money

Kredivo is a direct lender: the same company handles the application, the terms and the repayments. The representative example shows a loan repaid in equal monthly amounts across a set period, so the instalment and the total are both visible before you accept. Compare that total with the term you actually need.

How Kredivo compares

Where Kredivo is available

Available
Indonesia
Licence in Indonesia
Otoritas Jasa Keuangan (OJK), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What will a Kredivo loan cost me?+

On the instalment plans the arrangement fee is 0%, so what you pay sits in the rate rather than in upfront charges. KrediFazz cash loans work differently and add a fee on the amount borrowed, which is why the product type matters. Rates are fixed and the model is fixed rate.

Who am I dealing with and who supervises it?+

The lender is PT Kredivo Finance Indonesia, a direct lender based in Indonesia and supervised by Otoritas Jasa Keuangan (OJK). The contract names that company, so questions about the balance, the rate or a late payment go to the entity that issued the loan rather than to an intermediary.

What does applying involve and how fast is a decision?+

An application runs a hard credit check, which means the file you are judged on is the one lenders see. Timing is the strong point: Application in 5 minutes, account decision within 1x24 hours. A decline still leaves a mark, so read the rate on your own offer before you accept it.

How much can I borrow and for how long?+

Amounts run IDR 1,000,000 to IDR 50,000,000 and terms run 1 to 24, so this fits a purchase you want to spread across a set number of monthly payments rather than long term borrowing. The applicant has to be an adult Indonesian citizen domiciled in Indonesia and meet the minimum monthly income rule.

Who does Kredivo lend to?+

Adults who are Indonesian citizens domiciled in Indonesia, with the minimum monthly income met. The lender kind is direct lender, so the same company decides, prices and collects, and the loan types on offer include bnpl, personal and credit line.

Is this the same market as the other lenders in the comparison?+

Different currencies make direct rate comparison awkward. Kredivo lends in rupiah inside Indonesia, while Creduma ES starts at from €12,000 in euros and Cashspace quotes PHP 12 to PHP 36 in pesos. Sofkredit's 10.74% to 18.06% is a Spanish range, so those numbers sit in their own markets.

How do I reach Kredivo if something goes wrong?+

Support runs on phone, email and chat, so there is a phone line, email, live chat and a help centre rather than a single inbox. On a loan that repays in equal monthly amounts, a missed payment question is worth raising early, before an instalment is missed.

Is the rate fixed or does it change?+

The rate type is fixed and the model is fixed rate, so the cost of the loan does not move with a base rate during the term. The range on 0% to 41.51% depends on the applicant, and the representative example shows what the monthly instalment and the total look like on one loan.

Sources

  • kredivo.id checked September 26, 2026

    Backs: Licences

  • kredivo.id/faqs.html checked September 26, 2026

    Backs: Loan amount, Eligibility, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Support channels, Term

    “Akun Starter - Bayar dalam tenor 1 bulan: Kamu bisa mendapatkan limit hingga Rp1.000.000; Akun Premium - Cicilan: Kamu bisa mendapatkan limit hingga Rp50.000.000”

  • kredivo.id/tos-id checked September 26, 2026

    Backs: Credit check, Legal entity, Lender type

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: APR, Features, Funding time, Headquarters, Representative example

    “Alamat kantor pusat: 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”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Kredivo

Kredivo

Indonesian borrowers splitting a purchase into fixed monthly instalments.

9.3/10Visit