10 Secure and Low Interest HP Loan Applications Without Hassle

Rancakmedia.com – If you want cell phone credit with low interest and no DP, you can download a secure and low interest cell phone credit application in the article below.

The ease of checking an online HP credit application makes it ideal for research, especially when only identification is required for registration.

So you can make cellphone credits only with your KTP, without surveys and without down payment.

Therefore, consider a series of online HP credit applications that have low interest without the following surveys without a down payment that you might be able to use.

List of Low Interest and No DP Online HP Loan Applications

Some of you may want to check the following options for application Low interest HP loans that require no surveys or deposits:

1. Kredivo

Application NameKredivo - Installments up to 12 Months
Need Android versionVaries by device
Released date7 Dec 2015
Updated on13 Mar 2023
DevelopersPT FinAccel Finance Indonesia

The first application that you can use is Kredivo, an application that you can use to apply for an HP credit card online.

This is a highly recommended application because it has a low interest rate and a long tenor.

Kredivo is a fintech platform that provides credit services without a credit card.

With Kredivo, users can buy products or services online and pay their installments within a specified time.

Kredivo also offers collateral-free credit services with relatively low interest and easy-to-fulfill requirements.

Kredivo can be accessed through the mobile application or official website.

You can also get 0 percent interest if you pay installments within 30 days, therefore this application is quite helpful for novice customers.

By using Kredivo, you can use applications such as Shopee, Tokopedia, Lazada and other applications to credit cellphones in installments ranging from 30 days to 12 months.

2. Akulaku

Application NameAkulaku - Shopping and Installments
Need Android version4.4 and up
Released dateMay 19, 2016
Updated on16 Mar 2023
DevelopersPT. Akulaku Silvrr Indonesia

Akulaku is a fintech platform that provides various services such as credit without a credit card, online shopping, investment, and digital money transfers.

In credit services without a credit card, Akulaku provides installment facilities for goods and cash loans with terms and conditions that are easy to fulfill.

In addition, Akulaku also provides e-commerce services with a variety of products such as fashion, gadgets, and household needs at competitive prices.

Akulaku can be accessed via the mobile app or official website.

You can also use Akulaku for various periods, such as 30 days, 3 months, 6 months, up to 12 months.


3. Adira Finance

Application Nameadiku – Credit & Loans
Need Android version5.0 and up
Released date29 Oct 2019
Updated on3 Feb 2023
DevelopersPT Adira Dinamika Multi Finance Tbk.

PT Adira Dinamika Multi Finance Tbk or commonly known as Adira Finance is a company engaged in financing for cars, motorcycles, electronic goods, furniture, and multipurpose loans.

In addition, Adira Finance is also well-known as a leasing company that provides financing services for two- and four-wheeled vehicle ownership, both new and used.

By using this application, you can get limits starting from Rp. 1,000,000 to Rp. 10,000,000, plus the procedure for applying for installments without having to use a DP or down payment.

4. Indodana

Application NameIndodana: PayLater & Loans
Need Android version5.0 and up
Released dateJan. 19, 2018
Updated on15Feb 2023
DevelopersPT Artha Dana Teknologi
DownloadsClick here

Indodana is an online loan application or online KTA that does not require credit card requirements.

With this application, prospective borrowers can get cash quickly and easily online without having to have a credit card.

Through Indodana, you can get alternative money loans to get cash quickly.

The requirements for borrowing money through this application are almost the same as KTA or online loans in general, but because you don't need a credit card as one of the requirements, the process will be easier and faster.

You can get a fast and practical online KTA loan of up to 15 million rupiah with a repayment period of 3 to 12 months.

If you become an Indodana user and pay on time, you will get various attractive rewards.

5. Cheerful BRI

Application NameCheerful
Need Android version5.0 and up
Released date27 Nov 2019
Updated on26 Feb 2023
DevelopersPT Bank Rakyat Indonesia (Persero) Tbk.

BRI Ceria is a new breakthrough from Bank Rakyat Indonesia (BRI) through the financial technology business. The requirements for applying for a BRI Ceria loan are quite easy to do.

To use BRICerious, users simply need to download the application through the Play Store or App Store. Apart from that, BRI Charitable also has many advantages.

One of the advantages offered by BRI Ceria is the process of applying for a loan which can be done in a short time, which is only 10 minutes with a maximum ceiling of up to IDR 20 million.

6. OVO PayLater

Application NameOVO
Need Android version5.0 and up
Released date9 Aug 2016
Updated on13 Mar 2023
DevelopersPT Visionet Internasional

OVO is a digital wallet application that is commonly used, but not only as an e-wallet, using the OVO application you can also make installments on your cellphone.

OVO PayLater, a tool that allows you to make 3, 6, and 12 month monthly installments, can help you do that.

Then the limit that can be obtained on the OVO PayLater application is only limited to phones under the price of Rp. 10 million.

7. Lazada PayLater

Application NameLazada Ramadan Festival
Need Android version4.4 and up
Released dateJun 8, 2013
Updated on16 Mar 2023
DevelopersLazada Mobile

Apart from OVO PayLater, you can also credit your cellphone using Lazada PayLater or LazPaylater.

With the growth of Lazada, they launched the PayLater service for installments or credit. Lazada is one of the most popular e-commerce sites in Indonesia.

Through Lazada PayLater, you can get installments starting from Rp. 1 million to Rp. 20 too, for tenors of 3, 6 and 12 months only.

8. Shopee PayLater

Application NameShopee 3.3 Grand Fashion
Need Android version5.0 and up
Released date4 Jun 2015
Updated on6 Mar 2023
DownloadsClick here

You can use Shopee PayLater to pay credit in monthly installments, not all at once.

Through this application, you can make installments with a tenor of 3, 6 and 12 months with a maximum phone price of under Rp. 3 million.

9. CreditPlus

Application NameCreditplus Mobile
VersionVaries by device
Need Android versionVaries by device
Released date8 Aug 2017
Updated on10 Feb 2023
DevelopersPT KB Finansia Multi Finance

KreditPlus initially provided special services for motorcycle, car and other automotive loans. Fintech, on the other hand, is only now starting to see it.

One of them is by providing electronic product installments, by using the KreditPlus application, you can get installment tenors ranging from 3 to 12 months.

10. Home Credit

Application NameHome Credit – Goods Installments
Need Android version5.0 and up
Released date6 Apr 2017
Updated on23 Mar 2023
DevelopersHome Credit Indonesia

Who is not familiar with the Home Credit service, which is a company that has been in the credit industry for a long time, now Home Credit has entered the application.

Where you can apply for HP credit without a survey and without a down payment by installing any electronic goods at any price.


In the article above, we have provided a list of applications that you can download on the Play Store for cellphone credit easily, quickly, and without a down payment.

Thus the article about 10 safe HP credit applications and low interest without being complicated, I hope the information we have provided above can be useful and helpful for all of you.

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