Overview
Kredivo is a digital consumer lending platform operating across Indonesia, Vietnam, and the Philippines that gives users instant credit for online and offline purchases, with limits up to 50 million IDR (in Indonesia) and the choice between interest-free 30-day repayment or installment plans spanning 3 to 24 months. Registration is designed to take about five minutes entirely online, with instant credit approval, two-click checkout at partner merchants, and PIN- and OTP-based account security; in Indonesia, the service is regulated by the Financial Services Authority (OJK). Kredivo serves both individual consumers seeking flexible payment options without a traditional credit card and merchants, including e-commerce and retail partners such as Tokopedia, Lazada, and McDonald's, who use it to boost conversion and average order value. Kredivo uses machine-learning credit scoring on alternative data to underwrite borrowers and reports having distributed loans across a network of thousands of merchants.
Details
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