Updated September 28, 2026 · BorrowCue Editorial Team
KOHO vs Kredivo
What sets them apart
| Compare |  KOHO |  Kredivo |
|---|---|---|
| APR | 19.9% to 34.9% | 0% to 41.51%Lower |
| Loan amount | CA$1,000 to CA$15,000 | IDR 1,000,000 to IDR 50,000,000 |
| Credit check | Soft prequal | Hard |
| Funding time | Funds deposited into your bank account the same business day | Application in 5 minutes, account decision within 1x24 hours |
| Lender type | Broker | Direct lender |
| Eligibility | KOHO members residing in Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia; Government ID and bank account information required to verify income | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 |
| Term | Not confirmed | 1 to 24 months |
| Arrangement fee | Not confirmed | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans |
| 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 |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
Same on both: Loan types (Personal, Credit line, BNPL).
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Key differences
- Kredivo scores higher overall: 9.3 vs 8.6.
- APR is lower at Kredivo: 0% to 41.51% vs 19.9% to 34.9%.
- Support channels: only Kredivo offers Email.
Our verdict on each
KOHO
KOHO is a Canadian broker for members who want a reusable credit line rather than a one-off loan, with prequalification that leaves no hard credit search on file. Its apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 sits well above the 10.5% typical for the wider market.
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 | KOHO | Kredivo |
|---|---|---|
| Cost | 8.5 | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. |
| Offer | 9.2HigherA soft prequal check, a credit line and Funds deposited into your bank account the same business day. | 8.7 |
| Trust | 8.3 | 9.2Higher |
Ranges side by side
| Fact | KOHO | Kredivo |
|---|---|---|
| APR | 19.9% to 34.9% | 0% to 41.51% |
Choosing between them
Pick KOHO if offer matter most.
Pick Kredivo if cost, trust, and apr matter most.
How they place
| Ranking | KOHO | Kredivo |
|---|---|---|
| Personal loans | 132 of 1932 | 84 of 1932 |
| Lines of credit | 28 of 328 | 12 of 328 |
| Buy now, pay later | 6 of 88 | 4 of 88 |
Every fact side by side
| Fact | KOHO | Kredivo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | KOHO Financial Inc. | PT Kredivo Finance Indonesia |
| Headquarters | Canada | Indonesia |
| Support channels | Chat, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | KOHO | Kredivo | Median |
|---|---|---|---|
| APR | 19.9% to 34.9%highest quarter | 0% to 41.51%lowest quarter | 8.99 |
| Term | Not confirmed | 1 to 24 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
KOHO
Pros
- Apr of 19.9% to 34.9% on amounts of CAD 1,000 to CAD 15,000 for the credit line
- A soft prequalification, so a credit check does not follow the first enquiry
- Funds deposited into your bank account the same business day
Cons
- Apr reaches 19.9% to 34.9% at the top of the range, above the 20% many rivals sit at
- Membership is limited to residents of Alberta, Ontario, New Brunswick, Saskatchewan, Nova Scotia and British Columbia
- Support runs on chat, phone and help centre
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
KOHO
Who it suits
- Members in the provinces listed who are funding home improvement work
- Borrowers who expect to draw more than once rather than take a single loan
- People who want to see an offer before committing to a full credit check
Who should look elsewhere
- Anyone outside the listed provinces, who cannot open the account
- Borrowers chasing the lowest rate, since the top of the range is steep against the 20% mark
- Readers who prefer a direct lender, since KOHO sits in the broker minority on the site at 20.6%
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
KOHO
Current offer
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 | KOHO | Kredivo |
|---|---|---|
| Canada | Yes | No |
| Indonesia | No | Yes |
Questions about each
KOHO
What apr does KOHO charge on its credit line?+
The line of credit runs at an apr of 19.9% to 34.9%. That is well above the 10.5% recorded across credit lines on the site, so it pays to compare before you accept. The rate you are offered depends on your own profile.
How much can I borrow from KOHO?+
Borrowers can take CAD 1,000 to CAD 15,000 on the line of credit. That sits above the €885.74 typical amount in this category, which is useful if the work is more than a quick repair. Drawdowns come out of the limit rather than opening a new agreement.
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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