Updated September 28, 2026 · BorrowCue Editorial Team
Deema vs Kredivo
Where Deema and Kredivo differ
| Compare |  Deema |  Kredivo |
|---|---|---|
| APR | 0% | 0% to 41.51% |
| Term | 3 to 4 months | 1 to 24 monthsHigher |
| Arrangement fee | 0 KWD | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans |
| Loan types | BNPL | BNPL, Personal, Credit lineCovers more |
| Loan amount | Not confirmed | IDR 1,000,000 to IDR 50,000,000 |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Application in 5 minutes, account decision within 1x24 hours |
| 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 |
| Rate type | Not confirmed | Fixed |
| 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: Lender type (Direct lender).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Term is higher at Kredivo: 1 to 24 months vs 3 to 4 months.
- Support channels: only Kredivo offers Chat, Help centre.
- Loan types: only Kredivo offers Personal, Credit line.
Our verdict on each
Deema
Deema is a direct lender in KW built for one job: letting shoppers spread a purchase over 3 to 4 and clear it quickly. It suits buyers who want a short, self contained plan, and it will not suit anyone borrowing for larger or longer needs.
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 | Deema | Kredivo |
|---|---|---|
| Cost | 9.9HigherAPR of 0% and an origination fee of 0 KWD mean a plan that is cleared in full carries nothing extra. | 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 | 9.2 | 9.2 |
Where each is licensed and available
| Country | Deema | Kredivo |
|---|---|---|
| Indonesia | Not confirmed |
Additional countries for Deema: 1. Additional countries for Kredivo: 1.
Where they rank in our lists
| Ranking | Deema | Kredivo |
|---|---|---|
| Buy now, pay later | 14 of 88 | 4 of 88 |
A third option
Sofkredit has term at 6 to 240 months, against 3 to 4 months for Deema and 1 to 24 months for Kredivo.
Sofkredit reviewWhat we checked
Deema
- play.google.com: 6 facts, checked September 26, 2026
- deema.me: 2 facts, checked September 26, 2026
Kredivo
- kredivo.id: 12 facts, checked September 26, 2026
- play.google.com: 5 facts, checked September 26, 2026
Every fact side by side
| Fact | Deema | Kredivo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | DEEMA COMPANY FOR COMPUTER PROGRAMMING ACTIVITIES WLL | PT Kredivo Finance Indonesia |
| Headquarters | Kuwait | Indonesia |
| Support channels | Email, Phone | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Deema | Kredivo | Median |
|---|---|---|---|
| APR | 0%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 | 3 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
Deema
Pros
- Terms of 3 to 4 keep the plan short and easy to clear
- Deema is a direct lender, so the same company funds the purchase and collects the instalments
- Help is available by email and phone for a question or a failed payment
Cons
- Repayment terms of 3 to 4 leave little slack if a payment date slips
- Support runs on email and phone only, so help depends on those routes
- Deema covers bnpl only, so it is not a place to borrow over a longer stretch
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
Deema
Who it suits
- Shoppers in KW splitting a checkout purchase rather than covering an existing bill
- Borrowers who want to clear a short plan quickly and avoid an origination fee
- People who would rather the lender handled the whole plan itself than a broker
Who should look elsewhere
- Solcredito MX, if you want a borrowing window far longer than 3 to 4 and can work with an APR of 9.5% to 3,696%
- Kviku, whose terms of 2 to 12 suit a longer repayment stretch than the 3 to 4 here
- Oney Préstamos ES, which opens a loan with 3% of financed capital (apertura) and fits a longer loan market
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 | Deema | Kredivo |
|---|---|---|
| Indonesia | No | Yes |
| Kuwait | Yes | No |
Questions about each
Deema
What does a Deema plan cost?+
A Deema plan carries an APR of 0% and an origination fee of 0 KWD. Over terms of 3 to 4, a plan that is opened and cleared in full adds nothing to the purchase price. Check the order total and the instalment dates before you commit.
How long do I have to repay a Deema plan?+
Terms run 3 to 4, so the amount is owed quickly and in a small number of instalments. That short window is the trade-off for the 0% APR. Check the due dates against the days the shop expects payment.
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.
Other options to compare
Other matchups
- Deema vs ACLEDA Bank
- Deema vs Addi
- Deema vs Cofidis FR
- Deema vs KiwiCredito
- Kredivo vs Tamara
- Kredivo vs Oney Préstamos ES
- Kredivo vs Plazo ES
- Kredivo vs Vivus
- Kredivo vs Multitude Bank p.l.c
- Kredivo vs Qonto ES
- Kredivo vs Cashspace
- Kredivo vs Solcredito
- Deema vs Solcredito MX
- Kredivo vs Lendela
- Kredivo vs BriteCap Financial
- Kredivo vs Moneyveo UA
- Kredivo vs TF Bank
- Kredivo vs Upgrade
- Deema vs Sezzle
- Kredivo vs KOHO
- Deema vs Moneyveo VN