Online Loan Services Without a Credit Card - It has been widely circulated in Indonesia. One of them is Kredivo as an online loan service without a credit card that is trusted and widely accessed by the people of Indonesia.

Regarding what Kredivo is like, we will discuss it in this Kredivo review. Together with Kredivo, there are many interesting things that you can find. One of them is that there are various kinds of features provided to make it easy for every Kredivo user.

The installment system with low interest is also one of the advantages that can be enjoyed through Kredivo. Here's a Kredivo review for you!

Credit Method and Kredivo Features is a digital card product that comes in the form of a smartphone application that can be disbursed within a certain credit limit amount to then be used as a cash loan. Through Kredivo, you will find various kinds of conveniences to buy whatever item you want.

Register fast in just 5 minutes via Kredivo

Through Kredivo you can also buy any item and pay later in the next 30 days without interest. Or if you feel you can't afford to pay for the items you buy in the next 30 days, you can choose 3 months, 6 months or 12 months installments with interest of 2.6% per month.

As a digital credit card, Kredivo has various advantages that make you have to choose Kredivo as a trusted online loan application compared to other applications. Some of these reasons include:

Quick Registration Only 5 Minutes Through Kredivo

The registration process through Kredivo is very fast and easy. All processes can be done online and without the need for any surveys. Through Kredivo, you can register anytime and anywhere. Of course the approval confirmation is also fast and you will immediately get confirmation no later than 24 hours after your registration is submitted.

Buy With Just 2 Clicks

Shopping through Kredivo is certainly one way to do anti-complicated shopping. Through Kredivo, the checkout steps will never be complicated. Forget about filling out endless arduous forms or experiencing failures while transactions are being made. You can make transactions with just 2 clicks and receive goods before paying. Very simple right?

There is a grace period to pay

As a trusted online loan platform, you can enjoy various kinds of installment facilities through Kredivo. You can also get a cash loan with very low interest, which is only 2.6% per month. In addition, you can get various kinds of online credit facilities with low interest through Kredivo.

No need for DP, Limit Up to 30 Million

Together with Kredivo, you can receive your groceries without having to spend a dime before. Don't worry, the credit limit given is also quite large, even reaching 30 million rupiah. How? Interested in applying for a loan through Kredivo?

But make sure before you apply for a loan, you must really prepare all the requirements and attach them when registering so that the registration process is simple and not complicated.

All Transaction Activities are Safe and Comfortable

Together with Kredivo, data security for your submission will be guaranteed because your data is properly encrypted. So, you no longer need to worry about that.

Through Kredivo, you have the potential to get various kinds of first transaction discount promos of up to 50 thousand rupiahs and you also have the potential to get various other promos through your favorite online or offline merchants. Make sure shopping will be more comfortable and economical with Kredivo.

Payments Can Be Made Flexibly

Because the system is shopping by borrowing some funds, you have to know when the payment is due. So, the due date for your payment at Kredivo is 30 days from the date the transaction was made.

Later on each transaction, the maturity date can be different, unlike conventional credit cards, which have a printed card date.

You don't need to worry about the legality of Kredivo because Kredivo is an alternative online loan that has been registered and supervised by the Indonesian Financial Services Authority (OJK). Kredivo is also one of the companies that has been registered with P2P Lending Indonesia.

The way it works is easy where every application given by the prospective borrower will be approved by Kredivo and get a loan limit according to financial ability to be used to make various kinds of transactions.

As long as the loan limit is still available and the borrower is not late making payments on the due date, the remaining limit can still be used to carry out various kinds of transaction activities. Every time a payment is made, the limit will increase again by the amount of the payment.

To apply for an online loan service at Kredivo, you must meet the following conditions:

  • Is an Indonesian citizen as evidenced by a KTP or identity on the driver's license
  • Age between 18 years to a maximum of 60 years
  • Domiciled in the Greater Jakarta area, Surabaya, Bandung, Semarang, Palembang, Bali, Yogyakarta, Medan, Makassar, Malang, Solo, Cirebon and Sukabumi.
  • Have a minimum income of 3 million rupiah per month

If you are sure that you have met all of these requirements, now is the time to apply for a loan. The steps are as follows:

  • Log in to your credit account. But if you still don't have an account, it is highly recommended that you create one first
  • Fill in your personal data in the form provided as completely as possible
  • Take a photo of your KTP on the form provided
  • After the data has been loaded, submit your application to Kredivo
  • Wait a few moments until the submission process is approved by Kredivo
  • After your Kredivo account application has been approved, you will receive an SMS and email notification to activate your account.
  • The account activation process itself can be done via a link in an email or SMS and to activate it you must fill in the OTP code sent and set a PIN.
  • If so, wait until you get the funds and pay the bill according to the due date


Kredivo is a digital card product that comes in the form of a smartphone application. Can be disbursed in a certain amount of credit limit to then be used as a cash loan. Through Kredivo, you can buy any item and pay for it later in the next 30 days without interest.

Kredivo is a trusted online loan platform, you can enjoy various installment facilities through Kredivo online loan services. You can also get a cash loan with a very small interest rate of only 2.6% per month.

The credit limit given is quite large, even reaching 30 million rupiah. If you are considering taking out a loan at Kredivo Online loan services, it is highly recommended that you have an account. To apply for a loan, you must meet the following requirements: Indonesian citizenship as evidenced by a KTP or identity on a driving license.

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