Kredivo Downloads & RevenueKredivo - Paylater & Loans · App Store & Google Play
Kredivo - Paylater & Loans gets 10k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Kredivo - Paylater & Loans by PT. KREDIVO FINANCE INDONESIA is on App Store and Google Play. Active Users (MAU & DAU), Downloads, rankings, keywords, revenue, and rating totals.
Kredivo - Paylater & Loans update history & changes
Last change · 29 events since 27 Sep 2017Full timeline ↓✏️AndroidNew icon🔎AndroidTop 10 for “pinjaman online”📊iOSPassed 10k downloads a day📣AndroidStarted a new ad📣AndroidStarted a new ad📈iOSNew best rank in the overall chart: #39📈AndroidNew best rank in the overall chart: #64📦AndroidUpdated to version 4.34.0📈AndroidNew best rank in the overall chart: #68📦iOSUpdated to version 4.34.0✏️AndroidNew icon📈iOSNew best rank in the overall chart: #44📦AndroidNow updating weekly📦iOSUpdated to version 4.33.0🆕iOSFirst spotted by AppInsider🆕AndroidFirst spotted by AppInsider🆕iOSReleased on the App Store
Full timeline · 29 events
- ✏️Kredivo - Paylater & Loans: new iconAndroid
→
· US
- 🔎Kredivo - Paylater & Loans reached Top 10 for “pinjaman online”Android#10 in Indonesia search · popularity 99
- 📊Kredivo - Paylater & Loans passed 10k downloads a dayiOS7-day average, our estimate
- 📣Kredivo - Paylater & Loans started a new adAndroid3
- 📣Kredivo - Paylater & Loans started a new adAndroid3
- 📈Kredivo - Paylater & Loans new best rank in the overall chart: #39iOSTop Free · All Apps · ID
- 📈Kredivo - Paylater & Loans new best rank in the overall chart: #64AndroidTop Free · All Apps · ID
- 📦Kredivo - Paylater & Loans updated to version 4.34.0AndroidHi, KrediPal!
No tricks, just treats for your Kredivo app.
No spooky surprises or big changes this upcoming Halloween, just thoughtful improvements to make your Kredivo experience more seamless.
Ready to keep the glitches and ghosts away? Let’s update your Kredivo app to the latest version now!… more - 📈Kredivo - Paylater & Loans new best rank in the overall chart: #68AndroidTop Free · All Apps · ID
- 📦Kredivo - Paylater & Loans updated to version 4.34.0iOSHi, KrediPal!
No tricks, just treats for your Kredivo app.
No spooky surprises or big changes this upcoming Halloween, just thoughtful improvements to make your Kredivo experience more seamless.
Ready to keep the glitches and ghosts away? Let’s update your Kredivo app to the latest version now!… more - ✏️Kredivo - Paylater & Loans: new iconAndroid
→
- 📈Kredivo - Paylater & Loans new best rank in the overall chart: #44iOSTop Free · All Apps · ID
- 📦Kredivo - Paylater & Loans: now updating weeklyAndroid4 updates in 30 days, after a quiet two months
- 📈Kredivo - Paylater & Loans new best rank in the overall chart: #45iOSTop Free · All Apps · ID
- 📦Kredivo - Paylater & Loans updated to version 4.32.2AndroidWe’ve prepared something special for you. Snagging the best voucher has never been easier!
The voucher page just got an upgrade. We’ve set up the best vouchers in each category, ready for you to use.
Looking for the best vouchers for online shopping, a PLN token, or a flight ticket? We've got them all covered!
Update app now to grab your vouchers!… more - 📦Kredivo - Paylater & Loans updated to version 4.33.1AndroidA new way to pay just dropped. Say hi to Krom!
Whether you’re splurging on something fun or tackling adult responsibilities, it’s all smooth sailing from here.
Just link your Krom account to Kredivo and choose Krom when you pay. Nifty, right?
We’re rolling this out in waves. So don't miss out, keep your app updated.
What are you waiting for? Update Kredivo now and see just how breezy paying with Krom really is!… more - ✏️Kredivo - Paylater & Loans: new iconAndroid
→
- 📈Kredivo - Paylater & Loans new best rank in the overall chart: #47iOSTop Free · All Apps · ID
- 📦Kredivo - Paylater & Loans updated to version 4.33.0iOSA new way to pay just dropped. Say hi to Krom!
Whether you’re splurging on something fun or tackling adult responsibilities, it’s all smooth sailing from here.
Just link your Krom account to Kredivo and choose Krom when you pay. Nifty, right?
We’re rolling this out in waves. So don't miss out, keep your app updated.
What are you waiting for? Update Kredivo now and see just how breezy paying with Krom really is!… more - 📈Kredivo - Paylater & Loans new best rank in the overall chart: #71AndroidTop Free · All Apps · ID
- 📈Kredivo - Paylater & Loans entered the top 10AndroidTop Free · Finance · ID
- 📈Kredivo - Paylater & Loans new best rank in the overall chart: #48iOSTop Free · All Apps · ID
- 📈Kredivo - Paylater & Loans new best rank in the overall chart: #62iOSTop Free · All Apps · ID
- 🆕Kredivo - Paylater & Loans first spotted by AppInsideriOS#10 in Top Free · Finance · Indonesia
- 🆕Kredivo - Paylater & Loans first spotted by AppInsiderAndroidIndonesia
- 📦Kredivo - Paylater & Loans updated to version 4.30.0AndroidWelcome to an episode of behind-the-scenes magic.
Think of this update as a deep clean for your Kredivo app – less "jaw-dropping feature" and more "everything just works better.”
By turning mundane maintenance into a little bit of magic, everything should run a little faster and happier now.
Give it an update and feel the difference!… more - 📦Kredivo - Paylater & Loans version 4.32.1AndroidWe’ve prepared something special for you. Snagging the best voucher has never been easier!
The voucher page just got an upgrade. We’ve set up the best vouchers in each category, ready for you to use.
Looking for the best vouchers for online shopping, a PLN token, or a flight ticket? We've got them all covered!
Update app now to grab your vouchers!… more - 📦Kredivo - Paylater & Loans version 4.32.0iOSWe’ve prepared something special for you. Snagging the best voucher has never been easier!
The voucher page just got an upgrade. We’ve set up the best vouchers in each category, ready for you to use.
Looking for the best vouchers for online shopping, a PLN token, or a flight ticket? We've got them all covered!
Update app now to grab your vouchers!… more - 🆕Kredivo - Paylater & Loans released on the App StoreiOS
Collected from the stores by AppInsider since we first spotted the app. Dates are when we saw each change.
Rating
4.8 ★
5.5M ratings, both stores
Measured
Best rank now
#7
Android · 
Finance Free
Finance FreeMeasured
New ratings a week
10.2k
steady vs the 2 weeks before (Google Play)
Measured
App Store
App details
App ID
1255413338
Publisher
PT. KREDIVO FINANCE INDONESIA
Publisher country
Indonesia
On the store since
Sep 2017
9 years on the store
Minimum OS
iOS 14.0+
iPhone 6s and later
Devices
iPhone · iPad
Content rating
4+
Languages
2
EN ID
Size
291 MB
Also listed in
Shopping
App privacy Measured
Kredivo - Paylater & Loans’s App Store privacy label declares 1 data category used to track you across other companies’ apps and websites, 6 linked to your identity and 2 collected anonymously.
Google Play
App details
App ID
com.finaccel.android
Publisher
PT. KREDIVO FINANCE INDONESIA
Publisher country
Indonesia
Content rating
Everyone
Tech stack
Trackers and permissions of build v3.34.2, from the εxodus privacy report (CC BY-SA).
Trackers
5
Permissions
28
Trackers
Full permission listProSee plans
Kredivo - Paylater & Loans downloads & installs
Both stores, worldwide. Bands are open; exact numbers are free with an account.
| Store | Downloads / day | Lifetime installs |
|---|---|---|
| App Store | 5k+ | – |
| Google Play | 10k+ | 50M+ Measured |
| Total | 10k+ Confidence | 50M+ Confidence |
How this is calculated
App Store: chart positions and rating growth per country, anchored on its own Android downloads; lifetime from ratings worldwide × installs per rating. Google Play: the daily change in its exact install count. The total adds every store.
Where Kredivo - Paylater & Loans's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Both stores, across every country we track.
| Store | Best rank | Charting in | US Top Free | US Top Grossing |
|---|---|---|---|---|
| App Store | #10 Finance Free | 1 of 30 countries | – | – |
| Google Play | #7 Finance Free | 1 of 23 countries | – | – |
Full chart lists: App Store · Google Play.
Review momentum
ⓘ How we measure thisApp Store
New ratings a week
1,756
▲ +14% vs the 2 weeks before
Lifetime rating
4.8★
recent stars not readable yet: new ratings are a tiny share of the total
Review momentum
81/100
faster than 98% of Finance apps
Google Play
New ratings a week
8,406
steady vs the 2 weeks before
Written reviews a week
under 1
Google Play
Lifetime rating
4.8★
recent stars not readable yet: new ratings are a tiny share of the total
Recent written reviews
4.2★
people who write skew negative
Review momentum
78/100
faster than 97% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
Ratings
Both stores. Store data, measured.
| Store | Rating | Ratings |
|---|---|---|
| App Store | 4.8 ★ | 621k |
| Google Play | 4.8 ★ | 4.9M 890 written reviews |
| Both stores | 4.8 ★ weighted by ratings | 5.5M |
What users say about Kredivo - Paylater & Loans
From recent reviews.
About Kredivo - Paylater & Loans
Proofs that Kredivo is the most flexible payment:
- Loan products: Pay next month and 3, 6, 9, 12, 18 and 24-month installment
- Interest rate: No interest (0%) & admin fees for pay in next month and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment or a maximum annual rate of 41.51%
- Limit: maximum limit up to Rp50,000,000
- Example: If you choose a 12-month installment to pay a transaction worth IDR 4,000,000 Kredivo charges an interest rate of 1.99% per month. The repayment amount that must be made per month is IDR 412,950 and the total payment after a year is IDR 4,955,400
Want to shop online on installment but don't have a credit card?
Need quick loans for emergency situations?
Want to apply for credit but too many hassles or have been rejected before?
Luckily, Kredivo is here for you as an online credit line provider that offers installment without credit card as well as personal loans.
Kredivo is an award-winning app that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few hours. If approved, you can directly shop on installment using Kredivo “buy now and pay later” on Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 10.000+ other merchants with just 2 clicks.
Want to buy a new mobile phone? You can buy it online, no credit card needed and zero down payment, by choosing Kredivo as a payment method at your favorite merchant. Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink and AirAsia. Want to buy furnitures? Fashion items? You can buy anything, anywhere with Kredivo.
You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need with 3, 6, 9, 12 and 18-month installment.
No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:
◉ SIMPLER AND FASTER
Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.
◉ SAFE AND SECURE
Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!
◉ NO INTEREST, ADMIN FEES, OR DOWN PAYMENT
0% interest and no admin fees for payments made next month. Plus, there is no down payment charged for all Kredivo services.
Have feedback for us? Email us at [email protected] or call 0804-1-573348.
Business address: Dipo Tower Level 3 Unit A-B, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260
Customer service office address: Gedung FinAccel Lantai 3, Jl. T
- Loan products: Pay next month and 3, 6, 9, 12, 18 and 24-month installment
- Interest rate: No interest (0%) & admin fees for pay in next month and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment or a maximum annual rate of 41.51%
- Limit: maximum limit up to Rp50,000,000
- Example: If you choose a 12-month installment to pay a transaction worth IDR 4,000,000 Kredivo charges an interest rate of 1.99% per month. The repayment amount that must be made per month is IDR 412,950 and the total payment after a year is IDR 4,955,400
Want to shop online on installment but don't have a credit card?
Need quick loans for emergency situations?
Want to apply for credit but too many hassles or have been rejected before?
Luckily, Kredivo is here for you as an online credit line provider that offers installment without credit card as well as personal loans.
Kredivo is an award-winning app that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few hours. If approved, you can directly shop on installment using Kredivo “buy now and pay later” on Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 10.000+ other merchants with just 2 clicks.
Want to buy a new mobile phone? You can buy it online, no credit card needed and zero down payment, by choosing Kredivo as a payment method at your favorite merchant. Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink and AirAsia. Want to buy furnitures? Fashion items? You can buy anything, anywhere with Kredivo.
You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need with 3, 6, 9, 12 and 18-month installment.
No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:
◉ SIMPLER AND FASTER
Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.
◉ SAFE AND SECURE
Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!
◉ NO INTEREST, ADMIN FEES, OR DOWN PAYMENT
0% interest and no admin fees for payments made next month. Plus, there is no down payment charged for all Kredivo services.
Have feedback for us? Email us at [email protected] or call 0804-1-573348.
Business address: Dipo Tower Level 3 Unit A-B, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260
Customer service office address: Gedung FinAccel Lantai 3, Jl. T
Kredivo - Paylater & Loans App Store
Kredivo - Paylater & Loans gets 10k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Kredivo - Paylater & Loans is #10 in Finance Free in Indonesia and charting in 1 of 30 countries we track.
Updated 8 Nov 2026 · rankings refresh through the day
DeveloperPT. KREDIVO FINANCE INDONESIA
CategoryFinance
PriceFree
Released
Rating★ 4.8 (621k)
Version4.34.0
Age rating4+
First seen by us 25 Sep 2026
25 Sep 2026Rating
4.8 ★
621k ratings
Measured
Best rank now
#10
Finance FreeMeasured
New ratings a week
1,756
▲ +14% vs the 2 weeks before
Measured
Kredivo - Paylater & Loans on the App Store
App details
App ID
1255413338
Publisher
PT. KREDIVO FINANCE INDONESIA
Publisher country
Indonesia
On the store since
Sep 2017
9 years on the store
Minimum OS
iOS 14.0+
iPhone 6s and later
Devices
iPhone · iPad
Content rating
4+
Languages
2
EN ID
Size
291 MB
Also listed in
Shopping
App privacy Measured
Kredivo - Paylater & Loans’s App Store privacy label declares 1 data category used to track you across other companies’ apps and websites, 6 linked to your identity and 2 collected anonymously.
Kredivo - Paylater & Loans downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Apple publishes no download counts. App Store downloads come from chart positions and daily rating growth per country, calibrated on Google Play install counts; lifetime installs from ratings worldwide × installs per rating. Confidence is the chance the real number is within half to double ours.
Where Kredivo - Paylater & Loans's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| Indonesia | FinanceFree | #10 |
| Indonesia | All AppsFree | #49 |
Apps near Kredivo - Paylater & Loans on the chart
Finance Free, around #10.
Ratings
App Store, worldwide.
Rating
4.8 ★
621k ratings
Measured
Ratings
621k
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
1,756
▲ +14% vs the 2 weeks before
Lifetime rating
4.8★
recent stars not readable yet: new ratings are a tiny share of the total
Review momentum
81/100
faster than 98% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
What users say about Kredivo - Paylater & Loans
From recent reviews.
About Kredivo - Paylater & Loans
Proofs that Kredivo is the most flexible payment:
- Loan products: Pay next month and 3, 6, 9, 12, 18 and 24-month installment
- Interest rate: No interest (0%) & admin fees for pay in next month and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment or a maximum annual rate of 41.51%
- Limit: maximum limit up to Rp50,000,000
- Example: If you choose a 12-month installment to pay a transaction worth IDR 4,000,000 Kredivo charges an interest rate of 1.99% per month. The repayment amount that must be made per month is IDR 412,950 and the total payment after a year is IDR 4,955,400
Want to shop online on installment but don't have a credit card?
Need quick loans for emergency situations?
Want to apply for credit but too many hassles or have been rejected before?
Luckily, Kredivo is here for you as an online credit line provider that offers installment without credit card as well as personal loans.
Kredivo is an award-winning app that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few hours. If approved, you can directly shop on installment using Kredivo “buy now and pay later” on Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 10.000+ other merchants with just 2 clicks.
Want to buy a new mobile phone? You can buy it online, no credit card needed and zero down payment, by choosing Kredivo as a payment method at your favorite merchant. Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink and AirAsia. Want to buy furnitures? Fashion items? You can buy anything, anywhere with Kredivo.
You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need with 3, 6, 9, 12 and 18-month installment.
No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:
◉ SIMPLER AND FASTER
Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.
◉ SAFE AND SECURE
Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!
◉ NO INTEREST, ADMIN FEES, OR DOWN PAYMENT
0% interest and no admin fees for payments made next month. Plus, there is no down payment charged for all Kredivo services.
Have feedback for us? Email us at [email protected] or call 0804-1-573348.
Business address: Dipo Tower Level 3 Unit A-B, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260
Customer service office address: Gedung FinAccel Lantai 3, Jl. T
- Loan products: Pay next month and 3, 6, 9, 12, 18 and 24-month installment
- Interest rate: No interest (0%) & admin fees for pay in next month and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment or a maximum annual rate of 41.51%
- Limit: maximum limit up to Rp50,000,000
- Example: If you choose a 12-month installment to pay a transaction worth IDR 4,000,000 Kredivo charges an interest rate of 1.99% per month. The repayment amount that must be made per month is IDR 412,950 and the total payment after a year is IDR 4,955,400
Want to shop online on installment but don't have a credit card?
Need quick loans for emergency situations?
Want to apply for credit but too many hassles or have been rejected before?
Luckily, Kredivo is here for you as an online credit line provider that offers installment without credit card as well as personal loans.
Kredivo is an award-winning app that evaluates your creditworthiness in real-time. The registration process is just 5 minutes and approval is given in a few hours. If approved, you can directly shop on installment using Kredivo “buy now and pay later” on Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald's and 10.000+ other merchants with just 2 clicks.
Want to buy a new mobile phone? You can buy it online, no credit card needed and zero down payment, by choosing Kredivo as a payment method at your favorite merchant. Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink and AirAsia. Want to buy furnitures? Fashion items? You can buy anything, anywhere with Kredivo.
You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need with 3, 6, 9, 12 and 18-month installment.
No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:
◉ SIMPLER AND FASTER
Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.
◉ SAFE AND SECURE
Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!
◉ NO INTEREST, ADMIN FEES, OR DOWN PAYMENT
0% interest and no admin fees for payments made next month. Plus, there is no down payment charged for all Kredivo services.
Have feedback for us? Email us at [email protected] or call 0804-1-573348.
Business address: Dipo Tower Level 3 Unit A-B, Jalan Jenderal Gatot Subroto No. Kav. 51-52, RW.7, Kota Jakarta Pusat, Daerah Khusus Ibukota Jakarta 10260
Customer service office address: Gedung FinAccel Lantai 3, Jl. T
Latest updates
4.34.0
Hi, KrediPal!
No tricks, just treats for your Kredivo app.
No spooky surprises or big changes this upcoming Halloween, just thoughtful improvements to make your Kredivo experience more seamless.
Ready to keep the glitches and ghosts away? Let’s update your Kredivo app to the latest version now!
4.33.0
A new way to pay just dropped. Say hi to Krom!
Whether you’re splurging on something fun or tackling adult responsibilities, it’s all smooth sailing from here.
Just link your Krom account to Kredivo and choose Krom when you pay. Nifty, right?
We’re rolling this out in waves. So don't miss out, keep your app updated.
What are you waiting for? Update Kredivo now and see just how breezy paying with Krom really is!
4.32.0
We’ve prepared something special for you. Snagging the best voucher has never been easier!
The voucher page just got an upgrade. We’ve set up the best vouchers in each category, ready for you to use.
Looking for the best vouchers for online shopping, a PLN token, or a flight ticket? We've got them all covered!
Update app now to grab your vouchers!
Kredivo - Paylater & Pinjaman Android
Kredivo - Paylater & Pinjaman gets 10k+ downloads a day worldwide (AppInsider estimate, November 2026, rounded down to a band).
Kredivo - Paylater & Pinjaman is #7 in Finance Free on Google Play in Indonesia and charting in 1 of 23 countries we track.
Updated 8 Nov 2026 · rankings refresh through the day
DeveloperPT Kredivo Finance Indonesia
CategoryFinance
PriceFree
Released–
Installs50M+
Rating★ 4.8 (4.9M)
Updated
Content ratingEveryone
Rating
4.8 ★
4.9M ratings
Measured
Best rank now
#7
Finance FreeMeasured
New ratings a week
8,406
steady vs the 2 weeks before
Measured
Kredivo - Paylater & Pinjaman on Google Play
App details
App ID
com.finaccel.android
Publisher
PT. KREDIVO FINANCE INDONESIA
Publisher country
Indonesia
Content rating
Everyone
Tech stack
Trackers and permissions of build v3.34.2, from the εxodus privacy report (CC BY-SA).
Trackers
5
Permissions
28
Trackers
Full permission listProSee plans
Kredivo - Paylater & Pinjaman downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Google Play shows an exact lifetime install count; downloads per day are its daily change (measured). When Play hasn't refreshed the count, they come from new ratings and Top Free chart positions. Confidence is the chance the real number is within half to double ours.
Where Kredivo - Paylater & Pinjaman's downloads come from Modelled
Last 30 days: organic search, browsing the store, features and paid ads.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
Retention · share of new users still active
Day 1
Day 7
Day 30
Time spent · per daily user
Average time spent Pro
min a day
Sessions a day Pro
Time per session Pro
min
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks on Google Play
Every top 200 chart it appears in across 23 countries.
| Country | Charts | Rank |
|---|---|---|
| Indonesia | FinanceFree | #7 |
| Indonesia | All AppsFree | #68 |
Apps near Kredivo - Paylater & Pinjaman on the chart
Finance Free, around #7.
Ratings
Google Play, worldwide.
Rating
4.8 ★
4.9M ratings
Measured
Ratings
4.9M
Measured
Written reviews
890
Measured
Review momentum
ⓘ How we measure thisNew ratings a week
8,406
steady vs the 2 weeks before
Written reviews a week
under 1
Google Play
Lifetime rating
4.8★
recent stars not readable yet: new ratings are a tiny share of the total
Recent written reviews
4.2★
people who write skew negative
Review momentum
78/100
faster than 97% of Finance apps
Review momentum (0-100) blends how fast the app collects ratings compared with other apps in its category (60%), whether that pace is speeding up (25%) and what recent raters give it (15%; recent stars well below lifetime pull it down). Ratings counts are read daily. A jump usually means a launch, a feature, ads or a new review prompt.
What users say about Kredivo - Paylater & Pinjaman
From the 158 most recent Google Play reviews in the US.
Users praise the app for its ease of use and helpful credit limits, but many report severe issues with account blocking without clear reasons. Complaints focus on aggressive collection tactics, opaque scoring systems that penalize timely payers, and poor customer service resolution.
Mixed but leaning positive (68% of recent reviews give 4–5 stars). People like it for being easy to use, and speed. The main complaints are about speed and performance, and price and subscriptions. Recent reviews are more positive than earlier ones.
What people like
- Ease of use: “good and easy application”
- Speed & performance: “lumayan belum 1 bln pemakaian udah gak bisa digunakan lagi”
- Useful
- Features & content: “Affordable installments with 0% options on many merchants”
Common complaints
- Speed & performance: “GA LAGI LAGI PAKE KREDIVO”
- Price & subscription: “Even though I pay all my bills on time, even early”
- Login & account: “kenapa kode otp nya ga masuk ya”
- Privacy & data
About Kredivo - Paylater & Pinjaman
Proof that Kredivo is #Sefleksibelitu (read until the end!)
Loan products: Pay in one month and installment plans with tenors of 3, 6, 9, 12, 18, and 24 months.
Interest rates: 0% interest and no admin fee for Pay in one month, and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment. The maximum Annual Percentage Rate (APR) is 41.51%.
Maximum limit: Up to IDR 50,000,000.
Example: If you apply for an installment of IDR 4,000,000 for 12 months with an interest rate of 1.99% per month, the monthly payment will be IDR 412,950, with a total repayment amount of IDR 4,955,400.
Do you want to shop online in installments but don’t have a credit card? Or do you need quick loans for emergency situations, but too many hassles or have been rejected before?
You can use Kredivo as an online credit line provider that offers installment without credit card as well as personal loans.
The registration process for loans and online installments on Kredivo only takes 5 minutes, with a relatively fast approval process. Once approved, you can immediately shop on installments using Kredivo at Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald’s, and more than 10,000 other merchants across Indonesia, with just two clicks.
Planning to buy a new smartphone? Kredivo Paylater can be used like a smartphone installment app or a no-down-payment credit app. You can easily pay in installments or apply for online credit without a credit card to purchase Xiaomi Redmi Note 14, Samsung Galaxy A26, Samsung Galaxy A55, VIVO Y18, OPPO A3 Pro, and other Android smartphones.
For example, if you want to purchase a smartphone priced at around IDR 3 million at Erafone or other merchants, you can use Kredivo Paylater, which offers greater flexibility along with 0% installment promotions.
Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink, AirAsia, and many other airlines. Want to buy furniture or shop for fashion? All of it can be paid for using Kredivo.
You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need with 3, 6, 9, 12 and 18-month installment.
So, what do you think? Kredivo really is #Sefleksibelitu, isn’t it?
No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:
◉ SIMPLER AND FASTER
Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.
◉ SAFE & SECURED
Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!
◉ NO INTEREST, ADMIN FEE, AND D
Loan products: Pay in one month and installment plans with tenors of 3, 6, 9, 12, 18, and 24 months.
Interest rates: 0% interest and no admin fee for Pay in one month, and starting from 1.99% per month for 3, 6, 9, 12, 18 and 24 month installment. The maximum Annual Percentage Rate (APR) is 41.51%.
Maximum limit: Up to IDR 50,000,000.
Example: If you apply for an installment of IDR 4,000,000 for 12 months with an interest rate of 1.99% per month, the monthly payment will be IDR 412,950, with a total repayment amount of IDR 4,955,400.
Do you want to shop online in installments but don’t have a credit card? Or do you need quick loans for emergency situations, but too many hassles or have been rejected before?
You can use Kredivo as an online credit line provider that offers installment without credit card as well as personal loans.
The registration process for loans and online installments on Kredivo only takes 5 minutes, with a relatively fast approval process. Once approved, you can immediately shop on installments using Kredivo at Alfamart, Indomaret, Tokopedia, Shopee, Lazada, Tiket.com, Erafone, H&M, Electronic City, IKEA, McDonald’s, and more than 10,000 other merchants across Indonesia, with just two clicks.
Planning to buy a new smartphone? Kredivo Paylater can be used like a smartphone installment app or a no-down-payment credit app. You can easily pay in installments or apply for online credit without a credit card to purchase Xiaomi Redmi Note 14, Samsung Galaxy A26, Samsung Galaxy A55, VIVO Y18, OPPO A3 Pro, and other Android smartphones.
For example, if you want to purchase a smartphone priced at around IDR 3 million at Erafone or other merchants, you can use Kredivo Paylater, which offers greater flexibility along with 0% installment promotions.
Want to book flight tickets? You can buy it now and pay later at Garuda Indonesia, Batik Air, Citilink, AirAsia, and many other airlines. Want to buy furniture or shop for fashion? All of it can be paid for using Kredivo.
You can also buy pulsa/data, pay utility bills, buy gaming and streaming vouchers or take personal loans inside the Kredivo app directly and get quick cash advance to cater your every need with 3, 6, 9, 12 and 18-month installment.
So, what do you think? Kredivo really is #Sefleksibelitu, isn’t it?
No wonder that Kredivo is the most flexible payment! There are 3 other reasons why you should use Kredivo:
◉ SIMPLER AND FASTER
Kredivo offers accessible and convenient credit. You can just apply online by connecting your digital accounts via Kredivo’s mobile or web app. After an approval process that takes minutes, you can utilize a simple 2-click checkout when shopping online, or get fast personal loans.
◉ SAFE & SECURED
Don't worry about security, because all Kredivo user’s data are encrypted. Kredivo is also licensed and regulated by OJK, so its credibility is guaranteed!
◉ NO INTEREST, ADMIN FEE, AND D
What's new in 4.34.0
Hi, KrediPal!
No tricks, just treats for your Kredivo app.
No spooky surprises or big changes this upcoming Halloween, just thoughtful improvements to make your Kredivo experience more seamless.
Ready to keep the glitches and ghosts away? Let’s update your Kredivo app to the latest version now!
No tricks, just treats for your Kredivo app.
No spooky surprises or big changes this upcoming Halloween, just thoughtful improvements to make your Kredivo experience more seamless.
Ready to keep the glitches and ghosts away? Let’s update your Kredivo app to the latest version now!
Store changes
What Kredivo - Paylater & Pinjaman changed on its store page: name, icon, screenshots, price, size, languages, requirements.
New icon
→ New icon
→ New icon
→