Kredivo - Cash Loan and Installment Without Card APK

Version 3.2.3 -
Last updated: 2020-01-09 11:02:11

Installment without credit card and personal financing solution for you

Kredivo - Cash Loan and Installment Without Card apk

APP Information

Download Version 3.2.3 (903020321)
Apk Size13.59 MB
App DeveloperFinAccel Pte Ltd
Malware CheckTRUSTED
Install on Android5.0 and up

Download Kredivo - Cash Loan and Installment Without Card 3.2.3 APK

App Description

Kredivo - Cash Loan and Installment Without Card is finaccel,android,finance,kredivo, content rating is Everyone (PEGI-3). This app is rated 4.6 by 10 users who are using this app. To know more about the company/developer, visit FinAccel Pte Ltd website who developed it. apps can be downloaded and installed on Android 5.0 and higher Android devices. The Latest Version of 3.2.3 Available for download. Download the app using your favorite browser and click Install to install the application. Please note that we provide both basic and pure APK files and faster download speeds than Kredivo - Cash Loan and Installment Without Card APK Mirror. This app APK has been downloaded 36407+ times on store. You can also download APK and run it with the popular Android Emulators.

- 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,, 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. 



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.


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 very affordable interest rate. Plus, there is no down payment charged for all Kredivo services.

Have feedback for us? Email us at

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

App ChangeLog

  • Bug fixes and app enhancements

App Screens

Kredivo - Cash Loan and Installment Without Card Screenshot 1Kredivo - Cash Loan and Installment Without Card Screenshot 2Kredivo - Cash Loan and Installment Without Card Screenshot 3Kredivo - Cash Loan and Installment Without Card Screenshot 4Kredivo - Cash Loan and Installment Without Card Screenshot 5Kredivo - Cash Loan and Installment Without Card Screenshot 6Kredivo - Cash Loan and Installment Without Card Screenshot 7

Reviews From google play store

I don't know why . But I just loved it ! I had made my payment 2 times ! The most interesting thing is the limit application was very quick ! It just need 3 hours . I've tried to use another similar apps but I was rejected . Thank you Kredivo !!

the registration fast and easy (not asking a lot documents to support it)

The most amazing and helpful application to meet my monthly needs. When people can not help me, kredivo exist to support me. All the transaction are transparant, clear and systematic. And i like being reminded everytime duedate is coming. Sukses buat kredivo dan smoga makin jaya !!! 😍😍😍

It's sooooo frustrating! I tried to register but the app didn't upload my KTP pic, just captured it. I reached out through instagram DM and email for help, no response! Disappointing!

Good i love this apps.. its help me to buy something with a small interst.

Very usefull in various situations, specially in emergency. Would be better if it has the credit withdrawal facility to costumer's bank account. Yet again, it is should be use wisely.

I can't change/recover my password. When i try to recover with phone and doc id it say the number doesnt match. When you reply and give me solution ill give 5 stars.

It crashes a lot. I used on Nokia 3, maybe the specs only suitable for higher specs. I tried to close my account, until now, there is no follow up from the team

Kredivo is a Very useful app, so i dont have to use my credit card to shop online. Payments also easy to pay, well done.

One of the best cash loan. It has a transparency transaction and no trapped transactions. Thank you,Kredivo for giving economy solutions!

The best cash loan app, it took less than 1 hour for the process and approval.

They ask all customer private information then after try for the first time, they reject and suspended. Its absolutely unuseful apps.Big disappointed

Cardless credit card, fast approvement. Easy to use and accept on all major online shop

Simple to apply. Loan Fee come really fast. So helpfull.

What a great apps! I'm very greatful with the services, keep up the good work Kredivo, thank you very much...

Kredivo is the best. big limit and easy to use. Like it so much. Thanx kredivo

Good app, really help when we need urgent cash.

Very helpful, trusted and easy to use.

Nice, tho to upgrade the limit of loan will have a really long process.

Very helpfull application. It was so easy to use..

Baru mau daftar waktu masukin data address account seperti gmail, shopee, lazada, dll failed semua padahal saya pengguna aktif itu aplikasi, hahaha wasting time to install this apps :)

A very reliable apps. Most recommended.

I want to check if my account now move to premium or not cause when i open the app it said my limit is upgrade but when i check out payment it only for Rp.900.000. Please help

very usefull and easy for apply without Facebook verification thank you kredivo

Easy to use. And good interest.

Very fast approvement and reliable payment to merchant

Approval within several hours and disbursement less than 5 minutes 👍👍

Fast process..hope can upgrade to premium

Fast process and the rates makes sense

Great loan apps. Helpful.

Bad experience so far, weird credit algorithm. Has been rejected for so many times (God knows how many times) because my KTP address is different from my Tokopedia delivery address. Come on Kredivo I gave you all the proofs that you want (even uploaded my NPWP and Credit Card Settlement), and you must have any manual attempt to do your Credit Analysis right? Or maybe you don't? My Tokopedia delivery address is legit, it's my Fiancee's adress. You need some proof, implement some manual method.

easy apps and fast process👍

Really helpful and very good App.. Recommended

cannot upgrade account! When i want to upgrade my account there is a notification that says "can't establish a relieble data connection to the server" even though my connection data is full and strong, please give me a solution for this issue.

This app gives you a hassle-frèe experience when making online transactions for most of your digital needs. It fits perfectly the life of most modern-digital society requiring a seamless transactions across platforms. It's indeed a must-install app on your mobile device.

Easy loan, fast and good services

Great app!! Easy and helpfull

So difficult to register. I dont have an option to upload KTP and Personal Picture, must capture it from camera while i have one in gallery. Also I have e-commerce account that has transaction history, but always failed says that my account doesnt have one.

Good respond Recommended

The best apps for all.. Really helpful to find solution for many kiind of financial problems with very low interest and handling fee as well as the real credit cards terms and conditions. The best to compare with other fintech. I hope Kredivo always be the top, the best and prosper for long years to come. So that they can help all the people even more. Thank you !

the application and procedures for using it are very easy but for the process of increasing the limit is too difficult and often fails to send data, hopefully in the future the problem can be resolved.

This helpful application is great and handy. It is very suitable for those who need to pay the recommended products not by cash but by instalment. We could choose the instalment plan suitable with our affordability. make sure that we understand all rules and regulations (terms and conditions of using Kredivo application before you make any transaction. And if something is not clear yet, you could find the question -answer in this application. Well happy shopping then. And remember Kredivo for us.


Very fast response.. Good quality of customer service..

Very helpfull when you have financial problem, easy access, simple and they give me quite big amount of limit. Thanks kredivo, pls keep our database private.

Good and fast approval, Very low (cheap) admin

try to get an installment for 12 months then after submiting the requirements suddenly they told me to start the long process over again and reinstall the app due to my form is already expired. I mean, they didn't tell me beforehand about the validation time yet suddenly told me that it's expired.

not so satisfy, this apps have an issue about voucher code, often I try to input the vouch code at the payment page, it says the reduction, but when I paid, the billing I must pay back to normal price. SO BAD!!! It Fools People and Very Unfair. And I already try this for 3 times. You guys should fix this issue.

Great app. I can easily make loan to buy a baggage carrier and a backpack that I currently use at my new campus. Thanks Kredivo. 😍

I think this best apps, usually, friendly & Great

My data had approved, but i can't do my transaction at shoppe

Unstatisfied with the service. Suspend my account without notification. APLIKASI NGENTOT

I have completed all my installments on Kredivo, but still my account got suspended without any reason.

Best Application & very helpfull

Hallo, please update the app, part of form name, I can not filled fullname in the form, cause my name consist of 30 character, so when filled the form only writed apart, I will change this rate when this app updated, thx

hello.. please fix my problem with this apps, i have samsung galaxy j4 and it's not properly working on it.. every time i open this app, it's make my ui system phone crash then reboot automatically.. this is always happen when i click to transaction tab in this app.. please fix it.. this is very annoying

Get a chance Automatic increase limit??hhmmm

Fast and good service

The best app untuk kredit. Thanks kredivo.

It's so easy and dependable

Currently (Aug 2019), the app contents often not loaded. OTP not sent. And loan application denied without reason. While the limit is more than sufficient. Sorry, have to degrade the rate stars.

Nice And Easy For Buy anything👍

Quite good,but the response time for updated payment could be better.

I can't log in to my tokopedia&bukalapak account for signing up. pls fix it immediately!

simple and awesome app for installment

The best app ever. Nice, polite, and patient. Their telemarketing operators are friendly and attentive. I highly recommend this app to anybody that needs a loan.

Easy to apply and easy to use, great application, I hope my account upgrade is approved.

Very useful and really inovative

Susah registrasi...couldnot establish server....

Hi kredivo, your product is very useful. But can you NOT remind me to pay every time? You remind me to pay everyday, like H-7, H-4, H-2, H-1.. Its is very annoying.. You must now that I'm the one that pay regularly, never late.. You must now the type of your customer, and treat them differently, if you treat you customers same as other, same as the one who always late to pay, then you are doing something wrong..

Very Helpful Apps. Reasonable Rate of interest. Easy to Use and Apply. Thanks so much Kredivo 😘😘😘

Great...but system can't esthablished reliable data connection when I need urgent sad

Very good app with lots of option to pay the bill from the online stores.

Try to Upgrade !!, done Filled anything. and the app said "Koneksi Data Ke server sedang tidak stabil. mungkin bla bla bla".... hey what's wrong with this app.?? the developer needs to rebuild this app, and update the new one

The best app , it's really help me for shopping everywhere and anywhere love it so much . Thanks you Kredivo 😘

the best fintech app that I've ever used. so easy and so simple to make loan and credit. the approval process is also very fast. and hopefully it is truly secured..

Very helpfull. But sometimes our problem can't be describe by support kredivo. Harus di perbaiki sistem support chat nya ya!

So far so good, I'm liking the easy and user friendly interface this app provides to support its services

Good to use this application. Helps to shopping online.

I wish i can update my limit. Everytime i try it's always ignored without any good reasons.

akun terblokir sebelah pihak stlh transaksi berhasil tanpa ada kendala penunggakan pembayaran. ketik di google, akun kredivo diblokir sebelah pihak. Im not the one as your customer all ya guys did it. its just politic by saying for those reasons that actually we didnt make any of those things.

Very usefull apps. Help make my payment transaction faster and easier

Tiap saya mau upgrade to premium selalu "Cant established data connection bla bla bla" , padahal internet syaa lancar. Hmmm

Simple and easy to use

Good apps + good service. As long as you pay on time

Very satisfied! Easy to use , highly recommend this rather than akulaku

Easy to do, easy to pay, easy to use, easy in everytime

Good and very helpful application

Very helpful application. Easy terms, responseable and proven. Thanks Kredivo

Great great great application. Love it much. Thanks, Kredivo.

Awesome. No need longer time to actived and use transaction using this app

Helpfull and useful apps for shopping and pay all family needs including cellular. Mantap!

So recommended! Good app, user friendly, fast approved.

Thank you so much Kredivo. I'm using Kredivo for 6 months and very satisfied with their service. Keep the good work!

i already paid everything but then the number doesnt come back to 1.2 million. any idea why? but all transactions were paid way before the due date.. hope its just technical problem.please do check 🙏thanks

awesome payment solutions good job kredivo

The loan process is easy, fast and comfortable. Better than other cash lending platform!

easy to use and user friendly. fast checking and approved. really help for financial things and urgent things

Cannot connect to my eCommerce account

Easy to use, low interest, more helpful..

Apk scan results

Apk Scaned By TotalVirus Antivirus, Was Pure And Safe.

Scan Stats:confirmed-timeout:0|failure:0|harmless:0|malicious:0|suspicious:0|timeout:0|type-unsupported:10|undetected:63|
File type:Android
Magic:Zip archive data, at least v2.0 to extract
File size:14254752
Uncompressed Size:27613106
Contained Files	:2365
Contained Files By Type::2,MF:1,RSA:1,SF:1,dex:3,gz:1,png:176,so:16,txt:1,xml:214,


requires following permissions on your android device.

approximate location (network-based)
Allows the app to get your approximate location. This location is derived by location services using network location sources such as cell towers and Wi-Fi. These location services must be turned on and available to your device for the app to use them. Apps may use this to determine approximately where you are.

precise location (GPS and network-based)
Allows the app to get your precise location using the Global Positioning System (GPS) or network location sources such as cell towers and Wi-Fi. These location services must be turned on and available to your device for the app to use them. Apps may use this to determine where you are, and may consume additional battery power.

view network connections
Allows the app to view information about network connections such as which networks exist and are connected.

view Wi-Fi connections
Allows the app to view information about Wi-Fi networking, such as whether Wi-Fi is enabled and name of connected Wi-Fi devices.

take pictures and videos
Allows the app to take pictures and videos with the camera. This permission allows the app to use the camera at any time without your confirmation.

change network connectivity
Allows the app to change the state of network connectivity.

connect and disconnect from Wi-Fi
Allows the app to connect to and disconnect from Wi-Fi access points and to make changes to device configuration for Wi-Fi networks.

full network access
Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.

read phone state
Allows read only access to phone state, including the phone number of the device, current cellular network information, the status of any ongoing calls, and a list of any PhoneAccounts registered on the device.

run at startup
Allows the app to have itself started as soon as the system has finished booting. This can make it take longer to start the phone and allow the app to slow down the overall phone by always running.

prevent phone from sleeping
Allows the app to prevent the phone from going to sleep.

receive data from Internet
Allows apps to accept cloud to device messages sent by the app's service. Using this service will incur data usage. Malicious apps could cause excess data usage.


Certificate Issuer:OU:FinAccel, CN:FinAccel
Certificate Subject:OU:FinAccel, CN:FinAccel






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