Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs Kredivo
What sets them apart
| Compare |  Addi |  Kredivo |
|---|---|---|
| APR | 0% to 29.14% | 0% to 41.51% |
| Term | 1 to 6 months | 1 to 24 monthsHigher |
| Arrangement fee | 0 COP (no handling fee) | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | Application in 5 minutes, account decision within 1x24 hours |
| Loan types | BNPL, Credit line | BNPL, Personal, Credit lineCovers more |
| Loan amount | Not confirmed | IDR 1,000,000 to IDR 50,000,000 |
| Representative example | Not confirmed | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Term is higher at Kredivo: 1 to 24 months vs 1 to 6 months.
- Support channels: only Addi offers Community.
- Support channels: only Kredivo offers Chat.
- Features: only Kredivo offers Same day funding.
- Loan types: only Kredivo offers Personal.
Our verdict on each
Addi
Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
Score breakdown
| Area | Addi | Kredivo |
|---|---|---|
| Cost | 9.5 | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. |
| Offer | 9.0Higher | 8.7 |
| Trust | 9.2 | 9.2 |
Ranges side by side
| Fact | Addi | Kredivo |
|---|---|---|
| APR | 0% to 29.14% | 0% to 41.51% |
| Term | 1 to 6 months | 1 to 24 months |
Choosing between them
Pick Addi if offer matter most.
Pick Kredivo if term and loan types matter most.
Feature by feature
| Loan types | Addi | Kredivo |
|---|---|---|
| Personal | No | Yes |
| Credit line | Yes | Yes |
| BNPL | Yes | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 1 to 6 months for Addi and 1 to 24 months for Kredivo.
Sofkredit reviewWhat we checked
Addi
- co.addi.com: 14 facts, checked September 26, 2026
Kredivo
- kredivo.id: 12 facts, checked September 26, 2026
- play.google.com: 5 facts, checked September 26, 2026
How they place
| Ranking | Addi | Kredivo |
|---|---|---|
| Lines of credit | 51 of 328 | 12 of 328 |
| Buy now, pay later | 12 of 88 | 4 of 88 |
Every fact side by side
| Fact | Addi | Kredivo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Adelante Soluciones Financieras S.A.S. | PT Kredivo Finance Indonesia |
| Headquarters | Colombia | Indonesia |
| Support channels | Email, Phone, Help centre, Community | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Addi | Kredivo | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 0% to 41.51%lowest quarter | 8.99 |
| Loan amount | Not confirmed | IDR 1,000,000 to IDR 50,000,000lowest quarter | IDR 100,000,000 |
| Term | 1 to 6 monthslowest quarter | 1 to 24 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Addi
Pros
- The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
- Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
- Fixed rates, with a fixed structure rather than a variable one
Cons
- The application runs a hard credit check, so a declined application shows on the credit file
- Repayment terms run 1 to 6, which is short for anyone wanting a longer period
- The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
Who each suits
Addi
Who it suits
- Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
- People who want a reusable credit line open alongside a pay-later plan
- Borrowers with a good credit file who pass a hard check and settle early
Who should look elsewhere
- Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
- Borrowers who need a longer repayment period than 1 to 6
- People who cannot pass a hard credit check
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR range
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
Source, checked September 26, 2026
Country by country
| Country | Addi | Kredivo |
|---|---|---|
| Colombia | Yes | No |
| Indonesia | No | Yes |
Questions about each
Addi
What does Addi cost to borrow?+
The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.
Is there a fee for opening a credit line?+
No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
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