Updated September 29, 2026 · BorrowCue Editorial Team
Kredivo vs Solcredito
Where Kredivo and Solcredito differ
| Compare |  Kredivo |  Solcredito |
|---|---|---|
| APR | 0% to 41.51% | 0% to 3,752% |
| Loan amount | IDR 1,000,000 to IDR 50,000,000 | €50 to €5,000 |
| Term | 1 to 24 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans | 0 EUR |
| Funding time | Application in 5 minutes, account decision within 1x24 hours | Decision in 15 minutes, money in your bank account within a few hours |
| Representative example | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total | 1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees |
| Lender type | Direct lender | Broker |
| Eligibility | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) |
| Loan types | BNPL, Personal, Credit line | Personal, Payday, Debt consolidation, Credit line |
| Credit check | Hard | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Kredivo scores higher overall: 9.3 vs 9.0.
- Solcredito is available in 1 more country.
- Term is higher at Solcredito: 3 to 60 months vs 1 to 24 months.
- Support channels: only Kredivo offers Phone, Chat.
- Loan types: only Kredivo offers BNPL.
- Loan types: only Solcredito offers Payday, Debt consolidation.
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.
Solcredito
Solcredito suits Spanish borrowers with a poor credit file needing a small amount quickly, and the arrangement fee on the personal loan offer is 0 EUR. It is a broker rather than a lender, so the rate depends on which lender answers, with rates running as high as 0% to 3,752%.
Score breakdown
| Area | Kredivo | Solcredito |
|---|---|---|
| Cost | 9.7Arrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. | 9.9Higher |
| Offer | 8.7Higher | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. |
| Trust | 9.2Higher | 8.5 |
Ranges side by side
| Fact | Kredivo | Solcredito |
|---|---|---|
| APR | 0% to 41.51% | 0% to 3,752% |
| Term | 1 to 24 months | 3 to 60 months |
Where they rank in our lists
| Ranking | Kredivo | Solcredito |
|---|---|---|
| Personal loans | 84 of 1932 | 59 of 1932 |
| Lines of credit | 12 of 328 | 9 of 328 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 1 to 24 months for Kredivo and 3 to 60 months for Solcredito.
Sofkredit reviewEvery fact side by side
| Fact | Kredivo | Solcredito |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | PT Kredivo Finance Indonesia | Fiizy OU (registration code 12694462) |
| Headquarters | Indonesia | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Kredivo | Solcredito | Median |
|---|---|---|---|
| APR | 0% to 41.51%lowest quarter | 0% to 3,752%lowest quarter | 8.99 |
| Term | 1 to 24 monthslowest quarter | 3 to 60 monthsat the median | 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
Solcredito
Pros
- Arrangement fee of 0 EUR on the personal loan offer, and the representative example records no fees on the credit line
- A decision in minutes and money in the account within a few hours
- Accepts a poor credit profile, which covers a large share of the loans on the site
Cons
- The cost range runs up to 0% to 3,752%, well above the 25.03% upper quartile for personal loans on the site
- Solcredito is a broker, so the lender setting the rate is not named in the offer
- Support runs on email and help centre only, with no phone line listed
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
Solcredito
Who it suits
- Adults in Spain with a poor credit profile who need money in the account the same day
- Borrowers covering home improvement who can repay inside 3 to 60
- People who prefer written support through a help centre and email rather than by phone
Who should look elsewhere
- Borrowers with a strong credit file, who will find rates well under the 0% to 3,752% ceiling on a direct lender
- Anyone needing to borrow more than €50 to €5,000 or to repay over a longer period than 3 to 60
- Readers who want a named lender and a regulated protection scheme, neither of which appears for this broker
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
Solcredito
Current offer
First period offer
Extra 5000 EUR desde 0% para eventos especiales / primer prestamo al 0% de interes: 0% interest, extra amount up to 5,000 EUR
New customers, first loan, promotional event offer
Source, checked September 26, 2026
First period offer
Extra $12,000 desde 0% para eventos especiales / primer prestamo desde 0% de interes (Mexico): 0% interest, extra amount up to 12,000 MXN
New customers, first loan, Mexico offer; deposit within 24hrs claimed
checked September 26, 2026
Country by country
| Country | Kredivo | Solcredito |
|---|---|---|
| Indonesia | Yes | No |
| Mexico | 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.
Solcredito
What rate will I pay through Solcredito?+
Annual rates run 0% to 3,752%, a wide spread that reflects the partner lenders Solcredito works with rather than one set price. The site's median personal loan rate is 12%. The representative example shows a credit line drawn in full, repaid over a set number of instalments at a stated annual rate and monthly rate, with the resulting TAE and no fees.
Are there arrangement fees or hidden costs?+
The arrangement fee is 0 EUR on the personal loan offer, and the representative example states no fees on the credit line it illustrates. A broker can still pass on lender costs inside the rate itself, so the figure to weigh is the TAE in any offer you receive.
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