Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Kredivo
Cashspace vs Kredivo: the differences
| Compare |  Cashspace |  Kredivo |
|---|---|---|
| APR | ₱12 to ₱36 | 0% to 41.51% |
| Loan amount | ₱500 to ₱25,000 | IDR 1,000,000 to IDR 50,000,000 |
| Term | 2 to 4 months | 1 to 24 monthsHigher |
| Arrangement fee | 0 | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | Application in 5 minutes, account decision within 1x24 hours |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total |
| Lender type | Broker | Direct lender |
| Eligibility | Applicants in the Philippines, valid ID required | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 |
| Loan types | Personal, Payday, Credit line | BNPL, Personal, Credit line |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Kredivo scores higher overall: 9.3 vs 8.9.
- Term is higher at Kredivo: 1 to 24 months vs 2 to 4 months.
- Support channels: only Cashspace offers Community.
- Support channels: only Kredivo offers Phone, Chat.
- Loan types: only Cashspace offers Payday.
- Loan types: only Kredivo offers BNPL.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
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 | Cashspace | Kredivo |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 9.7Arrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. |
| Offer | 8.5 | 8.7Higher |
| Trust | 8.3 | 9.2Higher |
Where each is licensed and available
| Country | Cashspace | Kredivo |
|---|---|---|
| Indonesia | Not confirmed |
Additional countries for Cashspace: 1. Additional countries for Kredivo: 1.
Positions in our rankings
| Ranking | Cashspace | Kredivo |
|---|---|---|
| Personal loans | 33 of 1932 | 84 of 1932 |
| Lines of credit | 7 of 328 | 12 of 328 |
Feature by feature
| Loan types | Cashspace | Kredivo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Credit line | Yes | Yes |
| BNPL | No | Yes |
A third option
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and 1 to 24 months for Kredivo.
Sofkredit reviewEvery fact side by side
| Fact | Cashspace | Kredivo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fininity OU | PT Kredivo Finance Indonesia |
| Headquarters | Estonia | Indonesia |
| Support channels | Email, Help centre, Community | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Cashspace | Kredivo | Median |
|---|---|---|---|
| Term | 2 to 4 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
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
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
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
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
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 | Cashspace | Kredivo |
|---|---|---|
| Indonesia | No | Yes |
| Philippines | Yes | No |
Questions about each
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
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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