Updated September 28, 2026 · BorrowCue Editorial Team
Kredivo vs Moneyveo VN
Kredivo vs Moneyveo VN: the differences
| Compare |  Kredivo |  Moneyveo VN |
|---|---|---|
| APR | 0% to 41.51%Lower | 18.25% |
| Loan amount | IDR 1,000,000 to IDR 50,000,000 | ₫500,000 to ₫30,000,000 |
| Term | 1 to 24 months | 62 to 180 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | Application in 5 minutes, account decision within 1x24 hours | About 20 minutes on average from application to bank account credit |
| Representative example | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND |
| Lender type | Direct lender | Marketplace |
| Eligibility | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account |
| Loan types | BNPL, Personal, Credit line | Personal, Secured, Student, BNPL |
| 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 |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed).
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Key differences
- Kredivo scores higher overall: 9.3 vs 8.5.
- APR is lower at Kredivo: 0% to 41.51% vs 18.25%.
- Term is higher at Moneyveo VN: 62 to 180 months vs 1 to 24 months.
- Support channels: only Kredivo offers Email, Chat.
- Support channels: only Moneyveo VN offers Community.
- Features: only Kredivo offers Credit line.
- Loan types: only Kredivo offers Credit line.
- Loan types: only Moneyveo VN offers Secured, Student.
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.
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Score breakdown
| Area | Kredivo | Moneyveo VN |
|---|---|---|
| Cost | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. | 8.4 |
| Offer | 8.7 | 9.5Higher |
| Trust | 9.2Higher | 8.1 |
Where they rank in our lists
| Ranking | Kredivo | Moneyveo VN |
|---|---|---|
| Personal loans | 84 of 1932 | 133 of 1932 |
| Buy now, pay later | 4 of 88 | 7 of 88 |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 41.51% for Kredivo and 18.25% for Moneyveo VN.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Kredivo | Moneyveo VN |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | PT Kredivo Finance Indonesia | CONG TY TNHH MONEYVEO VIETNAM |
| Headquarters | Indonesia | Vietnam |
| Founded | Not confirmed | 2020 |
| Support channels | Phone, Email, Chat, Help centre | Phone, Help centre, Community |
Where each stands against the rest
| Fact | Kredivo | Moneyveo VN | Median |
|---|---|---|---|
| APR | 0% to 41.51%lowest quarter | 18.25%above the median | 8.99 |
| Term | 1 to 24 monthslowest quarter | 62 to 180 monthshighest 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
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
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
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
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 | Moneyveo VN |
|---|---|---|
| Indonesia | Yes | No |
| Vietnam | 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.
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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