Kredivo — Free Service Overview

Kredivo is a Indonesian buy-now-pay-later subscription operated by PT Kredivo Finance Indonesia (FinAccel Group), headquartered in Jakarta, Indonesia. The product launched in 2016 and has become a category staple. This page tracks live pricing, named tiers, supported platforms and the practical jobs where Kredivo earns its keep against competing in the Indonesian BNPL and consumer lending category against incumbent banks and other BNPL platforms.

Quick Facts

• Operator: PT Kredivo Finance Indonesia (FinAccel Group)
• Headquarters: Jakarta, Indonesia
• Founded: 2016
• Public-market status: privately held (Mizuho, GMO, Square Peg, Naspers investors)
• Flagship paid tier: Basic (Personal Loan (varies by tenor and risk))
• Free tier available: Yes (Basic)
• Where it sells: Indonesia
• 2025-2026 differentiator: In 2024-2025 Kredivo's parent FinAccel obtained an OJK lending licence and expanded Premium credit limits while tightening collection processes to maintain healthy NPL ratios.

What is Kredivo?

Kredivo is a Indonesian buy-now-pay-later subscription that launched in 2016 under PT Kredivo Finance Indonesia (FinAccel Group). The product is built around Pay-in-30-days at 0% interest for 30 days, 3-month, 6-month and 12-month instalment plans with disclosed APR, Real-time approval via Indonesian KYC and bureau checks, with the rest of the catalogue tracked in the platform sections below. The Subger catalogue page pulls live tier pricing from our internal database and links into cancel guides, deal hunters and renewal price trackers so subscribers can monitor Kredivo across its full lifecycle.

Why choose Kredivo

Product roadmap and 2025-2026 differentiation

Kredivo is operated by PT Kredivo Finance Indonesia (FinAccel Group) out of Jakarta, Indonesia, and the team continues to invest in the catalogue that subscribers care about most. The latest roadmap milestone — in 2024-2025 kredivo's parent finaccel obtained an ojk lending licence — gives buyers a concrete reason to evaluate Kredivo now rather than waiting for the next refresh cycle.

Feature breadth that matters

Beyond the headline, Kredivo ships Integration with 2,000+ Indonesian e-commerce merchants, Kredivo Card (Visa) for offline use and Personal cash loans for non-merchant cash needs. This depth matters because teams rarely buy a single capability — they need a system that absorbs adjacent jobs over time without forcing a vendor switch.

Regulation and customer protection

Kredivo is regulated as a financial product in every market where it operates. The Kredivo entity publishes its licence numbers, deposit-protection terms (where applicable) and complaint procedures on the legal pages of the website. Customers in EU and UK markets benefit from the baseline of PSD2-style consumer protections.

Kredivo pricing in 2026

The current ladder for Kredivo ranges from Basic (Rp0) up to Merchant integration (merchant fee). The anchor paid tier most buyers compare is Basic at Personal Loan (varies by tenor and risk), sourced from the vendor's published pricing page.

Live pricing across countries

For country-by-country billing currency, taxes and renewal pricing for Kredivo, see the live pricing table on this page. It pulls directly from our catalogue so promotions, anchor tiers and price drops surface the moment we capture them.

Kredivo apps and platform coverage

Kredivo runs on the platforms its category demands. The table below summarises coverage as of 2026.

Use cases Kredivo fits

• Subscribers using pay-in-30-days at 0% interest for 30 days as their primary reason to upgrade
• Teams that need 3-month, 6-month and 12-month instalment plans with disclosed apr on a single billing relationship
• Buyers who value real-time approval via indonesian kyc and bureau checks as part of the Basic bundle
• Operators evaluating Kredivo against competing in the Indonesian BNPL and consumer lending category against incumbent banks and other BNPL platforms
• Existing Kredivo customers expanding their footprint to Basic from a free or entry tier

Comparable products in the Subger catalogue

If you are evaluating Kredivo alongside other tools, the Subger catalogue maintains a separate page per service with live pricing and tier names. Use the relevant hub to compare Kredivo with adjacent Indonesian buy-now-pay-later subscription candidates on price, free-tier availability and feature coverage. For each candidate Subger also tracks the cancellation flow, current promo codes and renewal price history so total cost of ownership is visible upfront. Start with the Cancel guides hub, the Deals hub and the Promo codes hub.

Frequently asked questions

Who operates Kredivo?

The legal operator is PT Kredivo Finance Indonesia (FinAccel Group). The product was founded in 2016; the parent's public-market status today is privately held (Mizuho, GMO, Square Peg, Naspers investors).

How much does Kredivo cost in 2026?

The flagship paid tier (Basic) is Personal Loan (varies by tenor and risk). The full ladder — Basic, Premium, Personal Loan, Kredivo Card (Visa), Merchant integration — is in the pricing table above with feature differences per tier.

Does Kredivo offer a free tier or trial?

Yes — Basic is available at Rp0 with the usage caps shown in the pricing table above. You can also browse the Subger deals page for promotional pricing on paid tiers.

What platforms does Kredivo run on?

Kredivo covers the platforms shown in the platform table above. Mobile, desktop and API surfaces vary by tier, and the vendor's release notes track new integrations as they ship.

What's new in Kredivo for 2025-2026?

In short, the team continues to invest where it matters most: in 2024-2025 kredivo's parent finaccel obtained an ojk lending licence. That is the development most likely to influence whether Kredivo is the right choice for a buyer evaluating Indonesian buy-now-pay-later subscription options in 2026.

How does Kredivo compare to other Indonesian buy-now-pay-later subscription options?

Kredivo differentiates on pay-in-30-days at 0% interest for 30 days and 3-month, 6-month and 12-month instalment plans with disclosed apr plus the broader feature ladder shown above. For a side-by-side comparison with adjacent products, see the Subger category hub linked at the bottom of this page.

Can I cancel Kredivo anytime?

Yes — cancellation is contact Kredivo customer service. Subger maintains a step-by-step cancellation guide on the cancel hub that covers the specific in-product flow, refund eligibility and what data is preserved after cancel.

Does Kredivo offer team, family or enterprise pricing?

Yes — the higher tiers (Merchant integration) target larger deployments with admin controls, audit logs and dedicated support. Quoted pricing depends on seat count and contract length; the pricing table above shows the published anchors.

Is Kredivo available outside its primary market?

Coverage details: Kredivo is sold across the following markets: Indonesia. See the live pricing table for country-specific tier pricing in local currencies where applicable.

Where can I find Kredivo deals and promo codes?

The Subger deals page tracks current Kredivo promotional pricing, and the renewal price tracker stores historical price points so subscribers can spot post-trial price hikes. Both are linked in the related guides section below.

Get started with Kredivo

To sign up for Kredivo, head to the live pricing table at the top of this page. Pick the tier that matches usage: Basic for evaluation or Basic for production usage at Personal Loan (varies by tenor and risk), or the Merchant integration tier for advanced deployments. After signup, bookmark this Subger page to monitor renewal pricing and catch any tier or anchor-price changes from PT Kredivo Finance Indonesia (FinAccel Group).

Related Subger guides

• Cancel Kredivo — step-by-step cancellation guide for the current portal
• Kredivo deals and promo codes — live promotional offers tracked across the year
• Kredivo true price tracker — renewal-price history and post-trial cost watch
• Kredivo promo codes — coupon and code archive with expiration tracking
• Browse the full Subger services catalogue