Review of the Kredivo Fast Fund Loan Application

Rancakmedia.com - There are many fast loan loan applications currently available on the Google Play Store or App Store, see the following Kredivo application reviews.

For fast loan funds, I personally recommend Kredivo for you to try it. Because apart from being registered with the Financial Services Authority (OJK), Kredivo also prioritizes the security of personal data and customer transactions through technology and its privacy policy.

Not only that, because you've tried it yourself, the following three factors are strong enough to be the reason why I recommend you use Kredivo.

List of Fast Fund Loans Without Salary Slips, Suitable for All Professions

Don't be discouraged if you have a non-office profession, for example self-employed or freelancer, because with Kredivo, you don't need a payslip, so you can register and borrow funds. Instead, you need to connect an internet banking account as proof of income.

Later, from this internet banking connection, the total monthly income will be seen. With an internet banking account, the health of our cash flow can also be easily detected. Of course, institutions that provide loans, whether conventional or online like Kredivo, will consider the health of cash flow before approving a loan.

Different with application On the other hand, Kredivo will give you a number of non-cash credit limits if your account registration is approved. Later, this limit is what you can use as needed, cash it into a loan or use it to repay goods at e-commerce and Kredivo's merchant partners (Shopee, Lazada, Bukalapak, Tiket.com, Blibli, and others).

The limit is pretty decent, the maximum can be up to IDR 30 million, especially for Premium accounts. As an illustration, I, whose monthly income doesn't reach double digits, can I get a double digit limit, even though it doesn't reach Rp. 30 million. But what is certain, the greater the amount of our monthly income, the greater the limit we can get.

So for those of you who are at least 18 years old and above, have a fixed income of at least IDR 3 million per month, and are domiciled in Greater Jakarta, Bandung, Surabaya, Medan, Palembang, Semarang, Bali, Yogyakarta, Solo, Malang, Makassar, Cirebon, or Sukabumi, you have passed the criteria to be able to register for a Kredivo account. Don't forget, download the official application only through Google Play or the App Store.

Lowest Interest Credit Application Review, Safe for Pockets

Regarding interest rates, this is clearly the most important thing before using a fast online loan application. Because the greater the interest, the greater the installment burden.

Not only interest, installment tenors also need to be taken into consideration, because the average loan application currently has a super short tenor, ranging from 7 days to 30 days, with high interest, can reach 1 percent per day or a total of 30 percent per month.

What about Kredivo? The online fast loan stereotype = strangling interest doesn't apply to Kredivo, because in fact, Kredivo's interest rates are in accordance with those set by Bank Indonesia and are still the banking equivalent per credit card, really.

For goods loans or fast loans, the interest rate is the same, only 2.95 percent per month with installment tenors starting from 30 days, 3 months and 6 months for loans and 3/6/12 months for goods installments.

There are two types of loans that you can use in the Kredivo application, namely mini loans or jumbo loans. Mini loans are suitable for those of you who need a small loan amount of at least IDR 500 thousand, and don't want to be in debt for a long time, because the maximum repayment tenor is only 30 days.

Meanwhile, jumbo loans are suitable for those of you who need large funds starting from Rp. 1 million, with tenor options of 3 to 6 months. For a jumbo loan, you can borrow a maximum of 6 months in your account.

So if the 6-month limit is Rp. 8 million, for example, it means that the maximum loan you can apply for using a jumbo loan is Rp. 8 million.

Quick Disbursement Kredivo Application Review, Not Just Ads

If usually "fast liquid loans" are only limited to marketing strategies in the form of advertisements, with the aim of attracting as many potential customers as possible, this is also not proven at Kredivo. Because I've tried using the mini loan feature before, the loan is disbursed within a day, as promised, disbursement in 1 working day.

Possibly, because my loan amount is small and I also have never had a credit history or any transactions at Kredivo, so my profile status is still quite good, so the loan can be disbursed quickly.

Using the mini loan feature or jumbo loan is really easy, just choose one, enter the loan goal, loan amount, select the tenor, then enter the account number in your personal name (which matches your personal data at Kredivo). If the loan status is approved, the next day it can be disbursed directly into the account.

Conclusion:

With Kredivo, you don't need a payslip to register and borrow funds. Instead, you need to connect an internet banking account as proof of income. The maximum credit limit can be up to IDR 30 million, especially for Premium accounts.

For those who are at least 18 years and over, have a fixed income per month of at least IDR 3 million. The average loan application currently has a super short tenor, ranging from 7 days to 30 days.

Kredivo's interest rate is in accordance with Bank Indonesia regulations and is still on par with banking per credit card. Mini loans are suitable for those who need a small loan of at least IDR 500 thousand.

Using the mini loan or jumbo loan feature is also very easy, just choose the loan objective, loan amount and term. If the loan status is approved, the next day it can be disbursed directly into the account. Liquid loans in working day disbursements, as promised by Kredivo.