Kredivo - Installment Without Credit Card and Loan app icon

Kredivo - Installment Without Credit Card and Loan

Installment without credit card and personal financing solution for you

FinAccel Pte Ltd · com.finaccel.android

4.8 out of 5 (30 ratings) 50M+ downloads v3.1.4 15.1 MB Android 4.1+ PEGI 3 · Everyone

  • Signature matches the Google Play version Details

At a glance

Latest version
v3.1.4 (900000314)
Updated
Jun 27, 2026 (3 months ago)
APK size
15.1 MB
Requires
Android 4.1+ (API 16)
CPU support
x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit, ARM 64-bit, MIPS, MIPS 64-bit
Graphics
OpenGL ES 2.0+
Category
Finance (app)
Listed since
Jan 5, 2017
Permissions
13 (3 sensitive)
Website
kredivo.com
Developer contact
[email protected]
Privacy
Developer's privacy policy

About this APK

Kredivo - Installment Without Credit Card and Loan is an app by FinAccel Pte Ltd in the Finance category, listed since January 2017. It includes native code for x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit, ARM 64-bit, MIPS and MIPS 64-bit, so it runs on practically every phone.

It asks for 13 permissions, 3 of them sensitive: precise location, camera and approximate location.

Ratings

4.8out of 530 ratings
  • 5 ★87%
  • 4 ★3%
  • 3 ★10%
  • 2 ★0%
  • 1 ★0%

Ratings from users of the source store — not collected or verified by AAPKs.

What's new in v3.1.4

Bug fixes and app enhancements

Description

From the listing uploaded by “appupdater”.

- Loan products: Buy Now Pay Later with 0% interest, and three, six or 12-month installments - Interest rate: 2.95% effective rate per month or a maximum annual rate of 41.74% - Limit: maximum limit up to Rp30,000,000 - Example: If you choose a 12-month installment to pay a transaction worth Rp2,000,000 Kredivo charges an interest rate of 2.95% per month. The repayment amount that must be made per month is Rp206,710 and the total payment after a year is Rp2,480,450 Want to shop online but don't have a credit card? Need quick loans for emergency situations? Too much hassles to apply for credit 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 1 minute 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, Shopee, Lazada, Bukalapak, Tiket.com, and 250+ 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, 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. WHY KREDIVO? ◉ WITHOUT BI CHECKING You can apply for an installment and take personal loan without any credit history, because Kredivo is leveraging AI and machine learning technology for its proprietary credit decisioning system. ◉ 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 personal loan within 10 minutes. ◉ SAFE AND SECURE 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! ◉ LOWEST INTEREST & WITHOUT DOWN PAYMENT Kredivo offers the lowest interest rate. Plus, there is no down payment charged for all Kredivo services. Have feedback for us? Email us at [email protected] Business address: Dipo Tower Level M, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260 Operations address: Rukan Permata Senayan E52-55, Jl. Tentara Pelajar No. 21, Grogol Utara, Kebayoran Lama, Jakarta 12210 - Loan products: Buy Now Pay Later with 0% interest, and three, six or 12-month installments - Interest rate: 2.95% effective rate per month or a maximum annual rate of 41.74% - Limit: maximum limit up to Rp30,000,000 - Example: If you choose a 12-month installment to pay a transaction worth Rp2,000,000 Kredivo charges an interest rate of 2.95% per month. The repayment amount that must be made per month is Rp206,710 and the total payment after a year is Rp2,480,450 Want to shop online but don't have a credit card? Need quick loans for emergency situations? Too much hassles to apply for credit 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 1 minute 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, Shopee, Lazada, Bukalapak, Tiket.com, and 250+ 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, 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. WHY KREDIVO? ◉ WITHOUT BI CHECKING You can apply for an installment and take personal loan without any credit history, because Kredivo is leveraging AI and machine learning technology for its proprietary credit decisioning system. ◉ 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 personal loan within 10 minutes. ◉ SAFE AND SECURE 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! ◉ LOWEST INTEREST & WITHOUT DOWN PAYMENT Kredivo offers the lowest interest rate. Plus, there is no down payment charged for all Kredivo services. Have feedback for us? Email us at [email protected] Business address: Dipo Tower Level M, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260 Operations address: Rukan Permata Senayan E52-55, Jl. Tentara Pelajar No. 21, Grogol Utara, Kebayoran Lama, Jakarta 12210

Kredivo - Installment Without Credit Card and Loan among popular Finance apps

Kredivo - Installment Without Credit Card and Loan is one of the 36 most downloaded apps in our Finance category.

Kredivo - Installment Without Credit Card and Loan and the Finance apps ranked next to it by downloads
AppRatingDownloadsDownload size
Ziraat Mobile 4.2 (5) 50M+ 87.1 MB
M-Connect Plus 4.3 (6) 50M+ 16.8 MB
Kredivo - Installment Without Credit Card and Loan (this app) 4.8 (30) 50M+ 15.1 MB
OVO 4.2 (23) 50M+ –
Bank of America Mobile Banking 4.6 (18) 50M+ 83.7 MB

Apps listed next to it in our Finance ranking by downloads. Ratings and download counts come from the source store; ratings with fewer than five votes and sizes of outdated listings aren't shown.

Security & authenticity

Security rating: Trusted

Signing certificate

  • Signature matches the Google Play version Checked by the source store on Jun 27, 2026.
  • Certificate issued to “FinAccel” This is the certificate of the Google Play version.

Store checks and file details

  • Developer signature verified Jun 27, 2026
  • Validated against Google Play Jun 27, 2026
  • Signed byCN=FinAccel, OU=FinAccel
  • Signing certificate (SHA-1)06:7F:99:FB:6D:04:7C:BD:B5:F4:CD:2A:63:18:07:50:09:8C:36:44
  • File MD5a5267bb79d21ac96f94d96253d192715
  • Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures. AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (13)

Kredivo - Installment Without Credit Card and Loan requests 13 permissions, 3 of them sensitive.

Required hardware & features

Kredivo - Installment Without Credit Card and Loan APK: questions and answers

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the Kredivo - Installment Without Credit Card and Loan APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. After downloading, check that the file's MD5 is a5267bb79d21ac96f94d96253d192715.

Tags

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