With the slogan “buy now, pay later”, this kredivo service will allow you to shop by paying in installments and without using a credit card.
You can make payments in cash within 30 days or in installments for 12 months or a year.
This kredivo application has offered you a shopping limit of up to 30 million, which can be withdrawn in one minute.
Every transaction you make using this kredivo application will be subject to an effective interest rate of 2.95 percent per month.
To register for Kredivo, you can get the application online or register directly on the official Kredivo website.
But before that, make sure first if you have met the following credit application requirements.
- Indonesian citizens
- 18-60 years old
- Domiciled in Jabodetabek, Surabaya, Palembang, Bandung, Bali, Yogyakarta, Malang, Makassar and Cirebon.
- Minimum income of IDR 3 million per month.
To shop online you can use this kredivo service, choose kredivo for the choice of method on the payment page of the kredivo partner merchant site.
After that you will receive an OTP code via SMS to confirm the transaction you have made.
Meanwhile, if you shop offline, you just need to scan the QR Code at the merchant partner cashier using the Kredivo application, very easy, right?
Currently, the kredivo application has more than 250 partners both offline and online.
Download the Kredivo App
2. Akulaku Mobile Credit Application
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| Akulaku Mobile Credit Application |
Akulaku is a digital cellphone credit application for shopping for various needs, including new cellphones.
The use of Akulaku’s service is not much different from the kredivo application, that is, you only need to install the Akulaku application on the cellphone you have.
To get your dream cellphone on Akulaku, then use the search feature in the Akulaku application.
After finding the cellphone you want, then you just have to choose the time period to start the installments from 3 to 12 months.
Very different from the kredivo application, in this Akulaku you only need to send a down payment or DP, the amount of DP will be displayed on each product information.
If your credit application is approved later, the cellphone will be sent within four days after you make a Dp payment.
Condition
- For employees: information on job data
- For entrepreneurs: photo of shop, NPWP, photo of SIUP or bank statement, and office or business website.
- For online transportation drivers: screenshot profile complete with travel history on online transportation applications.
3. Cash Cloud App
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| Cash Cloud App |
If you don’t want to pay a down payment, then you can just apply for a cellphone credit online through the Cloud Tunai application.
This cash cloud application determines a maximum spending limit of 5 million, that means you can’t buy cellphones with prices above IDR 5 million.
To apply for installments without credit in this cash cloud, you only need to provide an E-KTP, and apply for the shopping limit you want, after that verify the data using an E-KTP photo.
If the requirements have been approved, then the funds submitted will be entered in the balance in the cash cloud application, and you can already use them to buy your dream cellphone at various available stores.
Regarding interest, this cash cloud application has determined loan interest starting from 3 percent per month.
However, currently the cash cloud service is only available in the Jabodetabek area.
Condition:
- Have an E-KTP or KTP and SIM
- Have a Smartphone with an active cellphone number
- Have a permanent job
- 21 to 55 years old
- Indonesian citizens
Download the Cash Cloud App
4. Creditplus HP Credit Application
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| Creditplus HP Credit Application |
The next online HP credit application is Kreditplus. Initially, Kreditplus, which is under the auspices of PT Finansia Multi Finance, only serves car, motorcycle and heavy equipment financing.
However, at present, Kreditplus has collaborated with various marketplace sites, such as JD.ID, Elevenia, Pasar Warga and many others.
This creditplus application can provide credit for various types of goods including cellphones.
Kreditplus has provided credit services with installment periods from 3 weeks to 12 months.
To make a transaction, you need to activate the credit limit first through this Kreditplus application.
After your credit limit is active, you only have to choose an online or offline store that will become your credit plus partner.
After that, choose the cellphone you want and enter your KPT number and date of birth, wait for the new cellphone to arrive at your house.
What’s even more interesting is that this credit plus service is available in various regions in Indonesia, from Aceh to Papua.
Condition
- Have an E-KTP or family card
- Have an active email and phone number
- Have a minimum income of 3 million per month.
Download the Kreditplus Application
5. Home Credit
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| Home Credit |
The Home credit application is a non-cash financing provider that can be used in online and offline stores.
For cellphone financing, the home credit application has offered a starting limit of Rp. 675 thousand to 10 million, but before that you must provide a down payment of 15% of the credit limit.
In addition to the interest on the installments, the home loan also attracts an administration fee of 199 thousand, and an installment payment fee of 5 thousand per month.
The number of installment loans provided by this home credit application is from 6 to 18 months.
The good news is, currently there are various cellphone financing promos offered by home loans, ranging from 0% interest promos to free one-time installments.
Condition
- Indonesian citizens
- Have an ID card
- Minimum age 19 or 21 years (if married)
- Have a steady income
The final word
Those are some recommendations for cellphone credit applications that you can use to buy your dream cellphone without a credit card.
How to use the online or offline cellphone credit application above is not so difficult, the important thing is that you can get the dream cellphone you want.
You can try one of the applications above according to the criteria you need.
Keep up with info about how to credit a cellphone on Lazada, credit Oppo cellphones without dp, where to credit Samsung cellphones
how to credit a cellphone at shopee, how to credit a cellphone and how to credit a cellphone at Akulaku without a down payment on this site.
There are also cellphone credit terms at the counter, cellphone credit brochures, cellphone credit conditions for ID cards, cellphone credit without Adira’s dp, cellphone credit Oppo and cellphone credit conditions for a 2022 ID card.
