Learn how to register for Kredivo in full, from requirements, personal data, to tips for getting your application approved.
Kredivo is a digital financing platform that allows its users to make purchases using an installment or credit system without a credit card. With the flexibility and convenience it offers, Kredivo has become a popular choice for many people who want to shop on credit.
However, to be able to enjoy this service, you need to register and submit an application first. If you want to make sure your application is accepted smoothly, there are a few things to keep in mind when registering.
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Here is a complete guide on how to register for Kredivo, from the requirements to be met to tips for getting your application accepted.
1. Conditions that must be met
Before registering with Kredivo, make sure you meet all the necessary requirements. One of the first things to note is the domicile area.
Kredivo only serves 13 specific areas in Indonesia, and if the address on your ID card is outside of these areas, you can still apply as long as your residence is within the specified area.
Make sure you choose the appropriate area, because if this requirement is not met, your application may be rejected.
In addition, make sure the documents you attach are complete and in accordance with Kredivo’s provisions. Things like being at least 18 years old, having a steady income, and having a valid KTP must be met.
2. Correct and clear personal data
The Kredivo registration process requires you to upload clear and true personal data. One aspect that must be considered is the completeness of the requested documents, such as KTP, NPWP (if any), and other supporting documents.
All uploaded documents must be clear and not blurry, to avoid errors or rejections during verification.
Also make sure you choose the right e-commerce account, namely an account that is connected to an address that matches the area supported by Kredivo.
This is one of the things that often becomes a problem for some registrants who do not pay close attention to the address on their e-commerce account.
3. Pay attention to cash flow and pay slips
One of the important things you need to make sure when registering is a healthy cash flow. When you connect your internet banking with Kredivo, their system will evaluate your expenses and income.
If your cash flow shows that your expenses are greater than your income, your application will most likely be rejected because there are doubts about your ability to pay installments.
In addition, the pay slip that you attach also needs to be considered. Kredivo will usually check your monthly salary, and one of the important criteria is having a minimum income of IDR 3 million per month.
If your income is less than that amount, then your application will likely be rejected. Kredivo does this to ensure that the loan given can be repaid without any problems.
4. Attach Job Information Correctly
Information about your job is also a very important part of the registration process at Kredivo. Kredivo will assess your ability to pay installments based on the job information you provide.
If the job listed is not stable enough or the salary listed is inadequate, Kredivo can assess that your application is risky.
Therefore, make sure the job information you provide is accurate and shows stability. For example, if you work in a well-known company or have a fixed income every month, this will give Kredivo more confidence. So, make sure you fill in your job information clearly and completely.
5. Take Advantage of Referral Codes
Although not the main factor that determines whether an application is approved, a referral code can have a positive impact on the verification process.
If you use a referral code from a Kredivo user who already has a good record, this can increase Kredivo’s trust in your application. This is one way that can be used to expedite your registration process.
Referral codes themselves are often used to provide discounts or other benefits to new users who use the code. So, make sure you take advantage of this opportunity if you have one.
6. Select the Appropriate Account Type
At Kredivo, there are several types of accounts to choose from, such as Basic Account and Premium Account. Each type of account has different limitations and benefits.
For example, a Premium account provides a higher credit limit compared to a Basic account. Therefore, before choosing an account type, make sure you understand your financial needs and capabilities.
If you are a first-time sign-up, you will be asked to choose the appropriate account type. It is best to choose an account with a limit that you can manage well, considering that responsibility in paying installments is very important to maintain your credit reputation.
7. Quick Account Verification
After registering, Kredivo will ask you to verify your account. This verification usually involves uploading additional documents and information, as well as verification via email or SMS.
Make sure you do it quickly so that the registration process is not hampered. If there is any information or documents that are unclear or incomplete, the verification process can be hampered, which can lead to the rejection of the application.
8. Check Submission Status
After submitting the application, you will receive a notification regarding the application status. Usually, this process takes a few days to a week.
Make sure you check your email or notification from the Kredivo application regularly to find out whether your application has been accepted or rejected.
If your application is rejected, please recheck the data and information you provided. Make sure everything is in accordance with Kredivo’s terms and conditions and nothing is missing.
If your application is accepted, you will immediately be given access to a credit limit and can start using Kredivo’s services to shop or make installment payments.
9. Pay attention to credit limit usage
Once your application is approved, you will be given a credit limit that can be used for shopping or paying bills. Make sure you use your credit limit wisely.
Do not use credit beyond your financial capacity, because this can have a negative impact on your financial condition in the future.
10. Comply with the Payment Terms and Conditions
Lastly, make sure you understand and comply with all payment terms and conditions set by Kredivo. Timely payments are the main key to avoiding problems with your Kredivo account.
Kredivo provides various options for making payments, such as via bank transfer or digital wallet applications.
Registering for Kredivo is quite easy, but there are several steps and requirements that must be met so that your application is approved.
Starting from ensuring the appropriate domicile area, complete and clear personal data, to paying attention to work information and cash flow, all play an important role in the registration process.
In addition, utilizing referral codes and choosing the right account can also help smooth your application. If you’re considering alternative financial platforms, Akulaku is another option that provides similar benefits.
By following this guide, you can increase your chances of having your Kredivo application accepted and enjoy the various conveniences offered.
