Kredivo - Shop Now, Pay Later

Bili Now, Bayad Later! Experience Southeast Asia's leading Buy Now Pay Later app now available in the Philippines!

Shop the things you want, pay bills, and enjoy more ways to pay! With your Kredivo Virtual Card, you can shop online at e-commerce merchants that accept Mastercard. You can also use QRPh to pay at participating merchants nationwide. Whether you're shopping online, paying at your favorite stores, or settling your monthly bills, Kredivo gives you flexible ways to manage your purchases.

SHOP MORE. PAY YOUR WAY.

Kredivo Card
Shop online with your Kredivo Card at any e-commerce merchant that accepts Mastercard. Enjoy a convenient way to pay for your purchases using your available credit limit, at 0% interest or through an installment plan.

Pay with QRPh
Scan and pay at 675,000+ QRPh-enabled merchants nationwide. Depending on your eligibility and transaction, choose from available payment options, including installment plans and 0% interest.

Pay Later
Get what you need today and repay according to your selected payment plan. Eligible purchases may qualify for 0% interest, subject to applicable terms, fees, and eligibility.

Pay Bills & More
Pay your electricity, utilities, mobile, and other eligible bills all from one app. You can also enjoy other available payment services and exclusive Kredivo promos.

GET STARTED IN MINUTES

Download Kredivo and complete your registration in just a few minutes.
Once approved, you'll be able to view your available credit limit and access the Kredivo features available to you.
Before confirming a transaction, you'll see the applicable interest, fees, and repayment schedule so you can make informed decisions.
Repay through multiple available online and offline payment channels.

YOUR SECURITY MATTERS

Kredivo uses security measures, including encryption, to help protect your personal and transaction information.

INSTALLMENT COST INFORMATION

Monthly interest rate ranges from 0% to 5.99%
Annual Percentage Rate (APR) starts from 12%
Service charges range from 1% to 5%
Cash loan amounts up to ₱40,000
Product purchase installments available for up to 12 months
Cash loan installments available for up to 6 months

Rates, fees, loan amounts, repayment periods, and eligibility vary depending on the product, user profile, and selected repayment plan.

REPRESENTATIVE EXAMPLE
QRPh Scan-to-Pay — 3-Month Installment Plan
For a ₱3,000 QRPh transaction:

Principal: ₱3,000
Admin fee: ₱30
Interest: ₱362.69
Total amount to repay: ₱3,392.69
Repayment: 3 monthly installments of ₱1,130.90

Payment for the purchase is disbursed directly to the participating merchant.

Warning: Borrow only as much as you need and can afford to repay.

KREDIVO PHILIPPINES FINANCING CORP. (KREDIVO PH) is regulated by the Securities and Exchange Commission.

For inquiries or feedback:
SEC: 8818-5990
Email: [email protected]

Kredivo Customer Support:
[email protected]
(+632) 8841 7920

Business Address:
KREDIVO PHILIPPINES FINANCIN