FREQUENTLY ASKED QUESTION
Kredivo is an instant credit financing that allows you to buy your dream items now and pay them 30 days later. They also give you the option to pay your item with 3-month, 6-month, or 12-month instalment plan without the need of credit card. To use their instalment programme, you need to make a 20% down payment and will be charged 2,95% interest per month. Please note that not all Kredivo merchant partners provide this instalment programme.
To use Kredivo payment service, make sure you already have a Kredivo account.
Download Kredivo apps in Google Play. Then, register and complete the personal information, such as a copy of KTP, proof of residential address (NPWP/ STNK/ water bill/ electricity bill/ credit card bill/ telephone bill) and salary slip. Next, you need to wait for approval from Kredivo.
To have Kredivo account, you must fulfill these requirements:
- An Indonesian citizen
- Aged between 18 - 60 years old
- Live in Jakarta, Bogor, Depok, Tangerang, Bandung, or Surabaya
- Earned at least Rp3.000.000 per month
The verification process can take up to 24 hours if you apply in working days (Monday to Friday) from 9 am until 5 pm or Saturday from 9 am until 1 pm. But, your application will be processed on the next working day if you apply on Sunday or public holiday.
You can get a credit limit of 5.000.000 IDR by submitting your copy of KTP or 3.000.000 IDR by adding your proof of residential address on your application. You also can get credit limit more than 3.000.000 IDR if you submit your salary slip.
- Your Kredivo application was rejected
- Your Kredivo account is temporarily blocked because you paid your bills late, or your credit limit is lower than your transaction value.
- Virtual Account
Login to your Kredivo account or visit app.kredivo.com. Click ‘pay the bill’ and follow the instruction. Your payment will be tracked in real time.
- Bank Transfer
You can transfer the payment to one of these accounts on behalf of PT FinAccel Teknologi Indonesia:
- BCA 505-507-7735
- Mandiri 121-000-664-6073
Your payment will be tracked in 2 working days or 4 days on Sunday or public holiday.