Best Mobile Credit Application 2022Cellphones are the most important electronic goods and must be owned by everyone. If the item is lost then you will miss the information that you should get.
In the past, not everyone could afford to buy a cellphone, but now almost all Indonesian people have cellphones. This is due to credit payments, so everyone can buy a cellphone in installments.
Payments by credit are in great demand by the Indonesian people, because apart from the low interest rates, you also don’t have to use a credit card to get the loan.
Now there are lots of online HP credit applications that offer no surveys first, no down payments and no credit cards. With this fintech, people who have a mediocre salary can have a cellphone according to their wishes in installments.
Anyone can apply for a loan without having to meet face-to-face and the process can be fairly short, only a few minutes. You can get this application by downloading it through the Google Play Store or the Apps store.
There are several terms and conditions that you must meet in applying for this online cellphone credit loan, one of which is an ID card. Curious about this online HP credit application, continue to follow this review until it’s finished!
List of Online HP Credit Applications
1. Online Mobile Credit Credit
It has the latest smartphone but your money still hasn’t been collected? Kredivo is one solution that can help you get the smartphone of your dreams.
This installment application provides tenors of 3, 6, up to 12 months installments. Of course, this greatly relieves you of not paying installments. Now, there are 150 merchants available for Kredivo, such as shopee, open lapak, pedia shop and various other e-commerce.
How to apply for HP credit at Kredivo:
- First, download the Kredivo application on the Google Play Store or Apps Store.
- Register by filling in some personal data. Enter photo ID card, selfie photo holding ID card, father’s name, mother’s name, address and so on.
- If you have a NPWP/STNK, you can fill it in the application form so you can get a higher limit.
- After that, wait until there is a notification that you can use HP credit at kredivo.
- If the notification has been received, the limit has also been added and can be used.
2. Akulaku
Who is not familiar with this online HP credit application? This application is very popular and has been used by more than 10 million users on the play store.
Akulaku makes it easy for its users to shop using installment payments from 3 months to 12 months.
How to apply for HP credit at Akulaku:
- Download the Akulaku application on google play store or Apps store
- Open the application and register by requiring an ID card and so on to meet the loan application requirements.
- Wait a while until there is a notification from Akulaku
- If you are successful then you can use HP credit at Akulaku
- After that, if your application has been accepted, then you can only buy HP according to the limit given by Akulaku.
3. My Home Credit Indonesia
My Home Credit Indonesia is a company that provides online loans and credit for various items you want. You can also use this application for the latest HP credit because this application provides many well-known large mobile phone shops. However, this application provides conditions for its users, namely as follows:
- Have a permanent job
- Original (WNI) Indonesian citizen, and have an ID card
- Minimum age 19 years
How to apply for HP credit at My Home Credit Indonesia:
- Download the application on google play store or app store
- Register by filling in various personal data such as ID cards and so on.
- If you have filled in all the required data correctly, then you just need to wait for the notification that your loan application is approved or not.
- If your application has been approved, a limit will be given and you can buy HP using that limit.
4. Indodana
Indodana is a cellphone credit application that has a maximum installment tenor of 6 months without a down payment. However, there are several requirements that you must fulfill if you want to use Indodana, here are the conditions:
- Have a permanent job
- Minimum age 21 years
- Have a personal bank account
- Have a BPJS account
- Live in an area where Indodana is domiciled in West Java (Cimahi, Bandung Karawang), Greater Jakarta (Jakarta, Bogor, Depok, Tangerang, Bekasi), Central Java (Semarang & Yogyakarta), East Java (Gresik, Sidoarjo, Surabaya) and many other areas other.
How to Apply for HP Credit at Indodana:
- Download the indodana application on your cellphone
- Register by entering important documents such as ID cards and so on
- After that you will receive an OTP code via the phone number that you have listed in the registration earlier
- If your cellphone credit application is approved by indodana, your indodana balance limit can be used to buy cellphones with the payment method using the tenor.
- You only need to wait for the cellphone you ordered to be delivered if you have carried out several predetermined processes.
5. Practice6
Laku6 is also one of the applications that offers cellphone credit without a credit card with a down payment of 10-20%. Laku6 provides a maximum tenor of 12 months in installments.
This application has advantages that other HP credit applications do not have. Because if you use this application for cellphone credit for 6 months ago, if you are bored, you want to replace your cellphone with the latest model, this can be done with the terms and conditions that apply.
The advantages of Laku6:
- Free Shipping all over Indonesia
- Low down payment only 10%
- The application process is very easy without a credit card
- Fairly low installment interest
- Upgrade HP without spending money and without DP
For how to apply for an HP credit loan at Laku6 itself, just like in other online HP credit applications, you have to follow the existing procedures. The method is very simple and easy to understand.
Read also: Akulaku How to borrow 3 million to pay 800 thousand
The final word
This is information about online cellphone loans that offer low down payments and installments of up to 12 months. This application is suitable for those of you who want to replace the latest model cellphone but the money is still not enough, register on the application now.
Thank you, I hope this article is useful.
