Best Online HP Credit Without Down Payment & Without Survey

Lutfi

Best online cellphone credit without down payment without survey
Best online cellphone credit without down payment without survey

Rancakmedia.com – Online cellphone credit is a loan that allows consumers to buy a cellphone in installments without a credit card, and without needing to see the credit. The rapid development of fintech coincides with the emergence of online cellphone loans.

Kredivo and Akulaku are two main actors in this industry. Is there a shop where I can get credit at Akulaku? Our data shows that recently there have been more than 12 cellphone credit applications that provide cellphone credit for iPhone, Samsung, Oppo and Xiaomi cellphones. Which cellphone is the greatest?

Technological developments bring significant changes to the sector finance. Getting approved for a loan without face-to-face interaction is very fast, as it can be done via the Internet.

This new fintech development allows you to buy a cellphone in installments. A sector that is well received in the Indonesian market.

Credit card installments are the only way for customers to buy a cell phone if they want to make a credit purchase. Installment transactions are an option when you use a credit card. This approach is difficult for some individuals. Many people can't get a credit card.

No Survey Required for Online Cell Phone Credit

What exactly is online cellphone credit? You can purchase them without completing a survey or using a credit card. Even better, you can credit your phone without making any payments. Fintech offers the opportunity to buy cellphone brands such as iPhone, Oppo, Samsung and Xiaomi on this occasion. Increasing opportunities in alternative card methods are motivating fintech companies to create their own online installment services that are credit card-free. For this product, those who want to get credit installments do not need a credit card, so it is profitable for them.

Fintech companies even provide online loans without a credit check. Customers apply for loans easily by using the credit application at the online cellphone shop. Do not visit the office or submit any letters as it is not necessary.

No Survey Required for Online Cell Phone Credit

HP customers have received installments.

There are also credit plans for mobile services, which require no down payment and pay the bill simply with a credit card. No payment required.

One of the new ones is the new mobile credit policy without credit checks from fintech because so far banks and multi-finance businesses require customers to provide proof of income or credit worthiness when applying for mobile credit.

Let's take a look at the application process for Kredivo and Akulaku. They are the best HP credit installment supplier, having obtained a high online rate from the public in 2019.

Are there any strings attached if I receive HP credit? How do I get iPhone, Oppo, Samsung and Xiaomi credit installments without a down payment?

Kredivo HP Credit Online

Without a credit card or down payment, Kredivo is an online installment service. With different payment options, Kredivo offers direct credit to online buyers without the need for a credit card, with various payment terms, from one payment in 30 days to three, six, or twelve monthly installments.

Some people say that Kredivo is accessible in 150+ stores. They seem to concentrate on large online stores such as Tokopedia, Bukalapak, and various other e-commerce companies.

What steps must be taken to get cellphone credit online with Kredivo?

First, you need to download the Kredivo application to use the loan, which can be accessed on Google Playstore and Apple App Store. If you wish to apply, you must complete all application requirements.

You will receive a credit line if your application is approved, which you can use to purchase items from participating stores.

HP Online Credit Application Requirements:

  • Earn IDR 3 million a month or more.
  • no one under the age of 18
  • Only for residents of Bandung, Semarang, Surabaya, Denpasar, Palembang, Medan and Jabodetabek.
  • Must have the required Facebook account.
  • Kredivo allows you to use two process flows: one with variable requirements and another with more specific conditions.

Online HP Credit at POS

You do not need to provide proof of residence or proof of your income, but you must:

  • to a single e-commerce account used for payment
  • Allow one online banking account linked to your payment account.
    upload papers of two types
  • Two things for proof of residence (ie: family card, credit card bill, or telephone bill)
  • Second set of documents: two types of income (such as profit and loss statements or pay slips, as well as personal bank account details or tax records)
  • When you give someone access to your online banking and e-commerce accounts, they may read and analyze your personal data.

You can use Kredivo to shop without a credit card, but only if you meet the following requirements: Kredivo is active and your limit has been approved, as well as being a member of the store where you want to shop.

The Kredivo account is active and has a loan limit.

Installment Terms

Valid for a minimum transaction price of IDR 1.500.000 and a maximum of IDR 20.000.000. If you don't have a Tokopedia Kredivo Credit Card

To start using Kredivo, you must first register with the application

For late payments, Kredivo charges 4 percent interest per month and a late fee of 6 percent per month on the amount due.

As stated in the Kredivo credit agreement, a fine of 6% of the outstanding payment will be charged every month for each month the account is due. If you owe IDR 500.000 in March, after paying IDR 300.000, you will be charged a late fee on the remaining IDR 200.000, which amounts to IDR 12.000.

Akulaku HP Credit Online

Akulaku is an application that makes it easier to get HP credit installment loans online because it doesn't require a credit card. Akulaku provides installment payments ranging from 3 months to 12 months.

For online cellphone credit at Akulaku without using a down payment, follow these steps:

  • Get AKULAKU through the online application which can be accessed on Google Play and the Apple App Store.
  • To join the AKULAKU program, open the AKULAKU application, register, and enter the required verification.
  • Akulaku next looks for the following requirements when validating an application:
  • Indonesian citizens (WNI) over the age of 18 to 50
  • Living on the island of Java is where you will find this extraordinary animal.
  • Have a fixed income every month.
  • In addition, you are expected to provide documentation to apply for Akulaku credit, including (but not limited to) KTP, Facebook, LinkedIn, and proof of income (payslip).
  • Your results will be returned within one day of delivery.

Akulaku is a company that operates without surveys, offering customers an online process to get credit to their mobile phones.

When Akulaku HP Credit is Approved, Following is the Online HP Credit Process:

A loan limit is obtained, which can be used to purchase goods in installments after the application is approved.
Your credit limit ranges from 2 million to 9 million Rupiah, depending on the documents you provide. In the future, if you pay your credit bill to Akulaku, your credit limit will automatically increase.
AKULAKU is an online credit system that allows you to utilize approved loan limits to make purchases on credit. The process is like this:

Select the product you want to buy. Akulaku offers a large selection of products with various installment options.
The AKULAKU team will follow up with you regarding the status of the down payment once it is received.
We will send your application as soon as you get notification that your order has been approved.
One important detail to remember is that you must make a down payment with AKULAKU. This is important.

You will need to pay the difference between the loan limit and the price if you are found to have purchased goods above the loan limit. Even if the price of an item exceeds the loan limit, you can still place an order by paying a larger down payment.

Akulaku Versus Kredivo HP Credit online

Have you looked at Kredivo and Akulaku, both of which are one of the best online credit suppliers available today?

I assessed Akulaku and Kredivo as online credit providers (no credit card) because I needed new equipment. Profits vary from one to the next.

Kredivo really stands out because it never requires a down payment to make payments with cellphone credit. As you can see, you have to pay a deposit to apply for a payday loan with Akulaku.

It is impossible for Kredivo to buy anything beyond the loan limit. The IDR 3 million limit on the Kredivo application will stop you from making purchases that exceed that limit.

Akulaku offers a feature that allows customers to make cash advances, meaning you can get more over your credit limit by using the cash advance to cover the excess.

Kredivo requested permission to monitor financial accounts, such as banking and e-commerce. The goal may be to ensure rapid credit approval approval. Akulaku does not ask for this information as you can use the online application form to fill in the required information.

A credit card-free payment option known as OVO PayLater has been launched. Tokopedia, one of our most popular sites, and OVO collaboration locations all now include OVO PayLater in the form of credit limits, so we can shop there using our OVO credit.

Conclusion :

HP credit is a loan that allows consumers to buy a cellphone in installments without a credit card, and without needing to see their credit. Customers apply for loans easily by using the credit application at the online cellphone shop. There are more than 12 cellphone credit applications that provide cellphone credit for iPhone, Samsung, Oppo and Xiaomi cellphones.

Kredivo and Akulaku are the two main suppliers of HP credit installments, having obtained high online rates from the public in 2019. Kredivo offers direct credit to online buyers without the need for a credit card, with various payment terms, from one payment in 30 days to three, six , or twelve monthly installments.

Kredivo is an online payment method that allows users to make installment payments ranging from $87.604 each month to $246.596 over six months. Kredivo charges interest of 4% per month and a late fee of 6 percent per month on overdue amounts. If you owe IDR 500.000 in March, after paying IDR 300, you will be charged a late fee on the remaining IDR 200.000, which amounts to IDR 12.000.

Akulaku is a company that operates without surveys, offering customers an online process to get credit to their mobile phones. AKULAKU is an online credit system that allows you to utilize approved loan limits to make purchases on credit. Kredivo really stands out because it never requires a down payment to make payments with cellphone credit.

Kredivo requested permission to monitor financial accounts, such as banking and e-commerce. The goal may be to ensure rapid credit approval approval. Akulaku does not ask for this information as you can use the online application form to fill in the required information. A credit card-free payment option known as OVO PayLater has been launched.

Also Read

Share:

Lutfi

Hi, let me introduce myself, Lutfi Hulasoh, I am a writer and techno blogger. I started creating a personal blog writing informative articles about the latest trends and developments in technology. My writing covers a wide range of topics, from mobile applications to artificial intelligence, and I can also provide easy-to-understand explanations to help readers understand complex concepts.