Updated September 29, 2026 · BorrowCue Editorial Team
Kredivo vs Kviku
What sets them apart
| Compare |  Kredivo |  Kviku |
|---|---|---|
| Loan amount | IDR 1,000,000 to IDR 50,000,000 | up to €2,000 |
| Term | 1 to 24 monthsHigher | 2 to 12 months |
| Funding time | Application in 5 minutes, account decision within 1x24 hours | instant |
| Loan types | BNPL, Personal, Credit lineCovers more | BNPL, Personal |
| APR | 0% to 41.51% | Not confirmed |
| Arrangement fee | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans | Not confirmed |
| Credit check | Hard | Not confirmed |
| Representative example | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Eligibility | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Kredivo scores higher overall: 9.3 vs 8.9.
- Kviku is available in 2 more countries.
- Term is higher at Kredivo: 1 to 24 months vs 2 to 12 months.
- Loan types: only Kredivo offers Credit line.
Our verdict on each
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.
Kviku
Kviku suits borrowers seeking modest borrowing with rapid payout, as funding runs instant and amounts run up to €2,000. Those who favour a clear direct path and defined horizons will find the structure easy to assess alongside rival personal loan options.
Score breakdown
| Area | Kredivo | Kviku |
|---|---|---|
| Cost | 9.7Arrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. | Not confirmed |
| Offer | 8.7 | 8.8HigherChoice across personal and BNPL use reflected in BNPL and personal supports offer breadth. |
| Trust | 9.2Higher | 9.0Long operating history shown by 2013 supports confidence in continuity. |
What each covers
| Loan types | Kredivo | Kviku |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | No |
| BNPL | Yes | Yes |
Availability and regulation
| Country | Kredivo | Kviku |
|---|---|---|
| Indonesia | Not confirmed |
Additional countries for Kredivo: 1. Additional countries for Kviku: 3.
A third option
Sofkredit has term at 6 to 240 months, against 1 to 24 months for Kredivo and 2 to 12 months for Kviku.
Sofkredit reviewHow they place
| Ranking | Kredivo | Kviku |
|---|---|---|
| Personal loans | 84 of 1932 | 66 of 1932 |
| Buy now, pay later | 4 of 88 | 3 of 88 |
Every fact side by side
| Fact | Kredivo | Kviku |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | PT Kredivo Finance Indonesia | Not confirmed |
| Headquarters | Indonesia | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Kredivo | Kviku | Median |
|---|---|---|---|
| APR | 0% to 41.51%lowest quarter | Not confirmed | 8.99 |
| Term | 1 to 24 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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
Kviku
Pros
- Payout pace suits urgent plans, with funding at instant for eligible applications.
- Amount structure suits modest needs, with amounts of up to €2,000 that keep borrowing contained.
- Repayment horizon stays clear and bounded, with terms of 2 to 12 across personal use.
Cons
- Limit may feel tight for larger plans, as amounts run up to €2,000 while Ibancar Prestamos amounts run €600 to €8,000.
- Repayment window stays defined, with terms of 2 to 12 which may not suit you if you seek extended schedules.
- Support runs on email only, which may not suit you if you prefer phone or chat contact.
Who each suits
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
Kviku
Who it suits
- For you if you want rapid payout at instant rather than slower handling seen with several rivals including Mi Prestamo.
- For you if modest amounts of up to €2,000 fit your plan better than larger bands at Ibancar Prestamos.
- For you if defined terms of 2 to 12 suit your budgeting better than open ended credit such as AXI Card Tarjeta y Credito.
Who should look elsewhere
- Not for you if you need larger balances than amounts of up to €2,000, where Ibancar Prestamos with amounts of €600 to €8,000 may fit better.
- Not for you if you want phone support rather than support on email only, where Mi Prestamo could be worth comparing.
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 | Kredivo | Kviku |
|---|---|---|
| Indonesia | Yes | No |
| Kazakhstan | No | Yes |
| Philippines | No | Yes |
| Spain | No | Yes |
Questions about each
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.
Kviku
How much can you borrow from Kviku?+
You can request amounts of up to €2,000. That structure suits modest personal needs rather than large projects, so compare the ceiling with your budget before you apply and consider Ibancar Prestamos if you need more room.
How long do you have to repay?+
Terms run 2 to 12. That window gives you a defined repayment horizon across personal and BNPL use, so check monthly affordability across the full period and align the schedule with your pay cycle.
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