Check Kredivo Loan Installment Simulation Complete with interest, tenor, and more secure loan managing tips using Skillife
Need a fast loan without complicated? Kredivo can be one practical solution for you who need emergency funds or other urgent needs. But before submitting, it is very important to first know the Kredivo installment simulation that must be paid every month.
Come on, we discuss complete starting from the type of loan, interest, to simulation of the latest Kredivo installment tables!
Also read: Anuity: Definition, Type, Formula, and Examples of Calculations
What is Kredivo?
Kredivo is an application -based online loan service that offers a variety of facilities for users who want to buy now and pay later (paylater) to services to apply for cash loans without collateral.
You can choose the type of loan as needed, with a fast registration process, a fairly simple requirement, and a relatively fast disbursement too. But like other financial services, it is important to understand the provisions and simulations of Kredivo installments so that your finances remain safe.
Types, costs, tenors, and interest interest kredivo loans
Before applying for a cash loan through Kredivo, it is very important to understand the structure of the applicable cost and tenor. This can help you manage loans more wisely and avoid surprises in the future.
1. Types of accounts Determine tenors and interest
Kredivo divides its users into three account categories: Base, PremiumAnd Premium Plus. Each has different tenor access and flowers:
✅ Loan Tenor:
- Basic account: can only choose tenor 3 months
- Premium account: can choose tenor 3, 6, and 9 months
- Premium Plus Account: have complete options up to 12 and 18 months
✅ Loan interest per month:
- Basic account: Flat flowers 4% per month
- Premium and Premium Plus Accounts: flowers starting from 1.99%depending on your risk profile. Generally in the range 1.99%, 2.49%, 2.60%, up to 2.99% per month.
💡 The better your credit history, the lower the interest you can get. Therefore, it is very important to keep the credit score healthy. You can check and monitor your credit score easily through the application Scorelife.
2. Administrative fees: 6% of the loan principal
This fee is not deducted from the funds you receive, but is added to the amount of loan you have to pay.
For example, you apply for a loan of Rp1,000,000:
- Administrative costs 6% = Rp63,830
- Then, your loan tree becomes Rp1,063,830
- But you still accept Rp1,000,000 intact in the account
- Your Kredivo account limit will also be reduced by Rp1,063,830
3. Liquid Funds = Number of Submissions
One of the advantages of the Kredivo loan service is that the funds you receive in the account are the same as the submission nominal. There are no pieces in the face. But remember, administrative costs are still calculated and added to the principal of the loan that you need to pay off.
Also read: Provision Cost: Meaning, Magnitude, and How to Calculate it
Kredivo Installment Table
So that you can calculate and compare the total payment according to the amount of loan and tenor, the following is a kredivo loan simulation based on the amount of interest and installment tenor.
Kredivo Installment Simulation Table with 1.99% interest
| Loan amount | Tree | Number of Installments per Month | |||
| 3 months | 6 months | 9 months | 12 months | ||
| Rp1,000,000 | Rp1,060,000 | Rp367,488 | Rp. 189,174 | Rp129,804 | Rp100,172 |
| Rp. 2,000,000 | Rp2,120,000 | Rp734,977 | Rp378,347 | Rp259,609 | Rp200,343 |
| IDR 3,000,000 | Rp3,180,000 | Rp1,102,465 | Rp567,521 | Rp389,413 | Rp300,515 |
| IDR 4,000,000 | Rp4,240,000 | Rp1,469,953 | Rp756,694 | Rp519,218 | Rp400,687 |
| IDR 5,000,000 | Rp5,300,000 | Rp1,837,442 | Rp945,868 | Rp649,022 | Rp500,858 |
| IDR 6,000,000 | Rp6,360,000 | Rp2,204,930 | Rp1,135,041 | Rp778,826 | Rp. 601,030 |
| Rp. 7,000,000 | Rp7,420,000 | Rp2,572,419 | Rp1,324,215 | Rp908,631 | Rp. 701.201 |
| IDR 8,000,000 | Rp8,480,000 | Rp2,939,907 | Rp1,513,388 | Rp1,038,435 | Rp801,373 |
| IDR 9,000,000 | Rp9,540,000 | Rp3,307,395 | Rp1,702,562 | Rp1.168,240 | Rp901,545 |
| IDR 10,000,000 | IDR 10,600,000 | Rp3,674,884 | Rp1,891,735 | Rp1,298,044 | Rp1,001,716 |
Kredivo installment simulation table with 2.49% interest
| Loan amount | Tree | Number of Installments per Month | |||
| 3 months | 6 months | 9 months | 12 months | ||
| Rp1,000,000 | Rp1,060,000 | Rp371,074 | Rp192,379 | Rp132,922 | Rp103,274 |
| Rp. 2,000,000 | Rp2,120,000 | Rp742,147 | Rp384,757 | Rp265,843 | Rp206,548 |
| IDR 3,000,000 | Rp3,180,000 | Rp1,113,221 | Rp577,136 | Rp398,765 | Rp309,821 |
| IDR 4,000,000 | Rp4,240,000 | Rp1,484,294 | Rp769,514 | Rp531,686 | Rp413,095 |
| IDR 5,000,000 | Rp5,300,000 | Rp1,855,368 | Rp961,893 | Rp664,608 | Rp516,369 |
| IDR 6,000,000 | Rp6,360,000 | Rp2,226,441 | Rp1,154,272 | Rp797,529 | Rp619,643 |
| Rp. 7,000,000 | Rp7,420,000 | Rp2,597,515 | Rp1,346,650 | Rp930,451 | Rp722,917 |
| IDR 8,000,000 | Rp8,480,000 | Rp2,968,589 | Rp1,539,029 | Rp1,063,373 | Rp826,190 |
| IDR 9,000,000 | Rp9,540,000 | Rp3,339,662 | Rp1,731,408 | Rp1,196,294 | Rp929,464 |
| IDR 10,000,000 | IDR 10,600,000 | Rp3,710,736 | Rp1,923,786 | Rp1,329,216 | Rp1,032,738 |
Kredivo Installment Simulation Table with 2.60% interest
| Loan amount | Tree | Number of Installments per Month | |||
| 3 months | 6 months | 9 months | 12 months | ||
| Rp1,000,000 | Rp1,060,000 | Rp371,864 | Rp193,087 | Rp133,612 | Rp103,963 |
| Rp. 2,000,000 | Rp2,120,000 | Rp743,728 | Rp386,174 | Rp267,225 | Rp207,926 |
| IDR 3,000,000 | Rp3,180,000 | Rp1,115,592 | Rp579,261 | Rp400,837 | Rp311,889 |
| IDR 4,000,000 | Rp4,240,000 | Rp1,487,455 | Rp772,348 | Rp534,450 | Rp415,852 |
| IDR 5,000,000 | Rp5,300,000 | Rp1,859,319 | Rp965,435 | Rp668,062 | Rp519,815 |
| IDR 6,000,000 | Rp6,360,000 | Rp2,231,183 | Rp1,158,522 | Rp801,675 | Rp623,778 |
| Rp. 7,000,000 | Rp7,420,000 | Rp2,603,047 | Rp1,351,609 | Rp935,287 | Rp727,741 |
| IDR 8,000,000 | Rp8,480,000 | Rp2,974,911 | Rp1,544,697 | Rp1,068,899 | Rp831,704 |
| IDR 9,000,000 | Rp9,540,000 | Rp3,346,775 | Rp1,737,784 | Rp1,202,512 | Rp935,667 |
| IDR 10,000,000 | IDR 10,600,000 | Rp3,718,639 | Rp1,930,871 | Rp1,336,124 | Rp1,039,630 |
Kredivo installment simulation table with 2.99% interest
| Loan amount | Tree | Number of Installments per Month | |||
| 3 months | 6 months | 9 months | 12 months | ||
| Rp1,000,000 | Rp1,060,000 | Rp374,670 | Rp195,609 | Rp136,076 | Rp106,426 |
| Rp. 2,000,000 | Rp2,120,000 | Rp749,340 | Rp391,217 | Rp272,153 | Rp212,853 |
| IDR 3,000,000 | Rp3,180,000 | Rp1,124,010 | Rp586826 | Rp408,229 | Rp319,279 |
| IDR 4,000,000 | Rp4,240,000 | Rp1,498,681 | Rp782,434 | Rp544,306 | Rp425,705 |
| IDR 5,000,000 | Rp5,300,000 | Rp1,873,351 | Rp978,043 | Rp680,382 | Rp532,131 |
| IDR 6,000,000 | Rp6,360,000 | Rp2,248,021 | Rp1,173,651 | Rp816,458 | Rp638,558 |
| Rp. 7,000,000 | Rp7,420,000 | Rp2,622,691 | Rp1,369,260 | Rp952,535 | Rp744,984 |
| IDR 8,000,000 | Rp8,480,000 | Rp2,997,361 | Rp1,564,868 | Rp1,088,611 | Rp851,410 |
| IDR 9,000,000 | Rp9,540,000 | Rp3,372,031 | Rp1,760,477 | Rp1,224,688 | Rp957,836 |
| IDR 10,000,000 | IDR 10,600,000 | Rp3,746,701 | Rp1,956,085 | Rp1,360,764 | Rp1,064,263 |
Loan simulation in Kredivo above is estimated. The magnitude of the installments can be a little different depending on the latest provisions from Kredivo.
Late Fine Pay Kredivo: What are the consequences?
If you pay late, Kredivo imposes a fine of 4% – 6% per 30 days of the total bill due. Besides fines, your account can:
- Temporarily blocked
- Reduce the status of cabbage (credit collectibility)
- Difficult to submit the next loan
⚠️ Important: Poor cabbage status can affect your chances of being approved when applying for mortgage loans, vehicle loans, even credit cards.
Also read: Knowing Hedging, Protection Strategies in the Financial World
Ways to Safer Manage Loans? Use Scorlife!
By understanding the Kredivo installment table above, you can make a wise decision before applying for installments. Want a safer and smarter way to manage loans? Use Scorlife as your digital financial solution.
With Skillife, you can check credit history for free to know your position in the eyes of financial institutions before applying for a loan. A healthy score can increase the opportunity for your approved application. Not only that, Sunylelife also helps monitor the possibility of approved when applying for credit, so you can be more confident when applying.
Through features ScorpineYou can see all credit cards from various banks in a practical dashboard. You can track the limit, due date, to analyze the pattern of use, without the need to open many applications. Skillife also helps you tidy up your finances through insight about bills that must be paid immediately, budgeting recommendations, and financial suggestions that are easily understood and can be immediately applied.
Come on, download the Scorlife now! Manage your finances more neatly, practically, and safely from one application.
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Originally posted 2025-08-11 15:51:17.
