Applicant Criteria
Applicants must be Indonesian citizens (WNI) aged between 18 (eighteen) and 60 (sixty) years old at the time of submitting a financing application.
Terms and Conditions
1.
2.
Administrative Requirements
Applicants are required to fulfill the following administrative requirements:
- Have a valid source of income with a minimum monthly income of IDR 3,000,000 (three million Rupiah)
- Have an active personal mobile phone number; and
- Have a personal bank account under their own name.
3.
Installment Simulation
Any installment simulation displayed by KrediOne is provided for illustrative purposes only and may change at any time based on the verification results and credit eligibility assessment conducted by KrediOne for each applicant.
4.
Simulation Function
The simulation referred to in point (3) above is intended solely as a reference or estimation to help applicants independently assess their repayment capability.
5.
Financing Interest Rate
The financing interest rate charged to recipients is up to a maximum of 0.3% (zero point three percent) per day for financing tenors below 180 days, or up to a maximum of 0.2% (zero point two percent) per day for financing tenors above 180 days, in accordance with applicable laws and regulations as well as provisions set by the Financial Services Authority (OJK).
6.
Installment and Fee Details
All installment details, including but not limited to service fees, interest, and other applicable charges as stated in the KrediOne application, shall become valid and binding upon approval of the financing application.
7.
Promotions and/or Special Offers
Any promotions and/or special offers, including but not limited to installment relief programs or interest-free offers, are only applicable to recipients who meet certain criteria as determined by KrediOne from time to time.
8.
Changes and Termination of Promotions
KrediOne reserves the right to modify, limit, or discontinue any promotions and/or special offers at any time in accordance with applicable policies.
9.
Transaction Risks
Recipients understand and acknowledge that financing transactions involve risks, including but not limited to late payment risk and/or potential financial loss. Recipients are encouraged to use the service responsibly and according to their financial capability.
10.
Regulatory Status and Compliance
KrediOne is a licensed Information Technology-Based Joint Financing Service Provider (LPBBTI) supervised by the Financial Services Authority (OJK) and registered as a member of the Indonesian Joint Funding Fintech Association (AFPI).
Download the KrediOne App
Our Services
Consumer Complaint Service
021-50880188
Customer Service Office
Ratu Plaza Office Tower, Lt.8,Jl. Jenderal Sudirman Blok Kav No.9, RT.1/RW.3,
Gelora, Kecamatan Tanah Abang, Kota Jakarta Pusat,
Daerah Khusus Ibukota Jakarta 10270.
Offline Complaint Service Hours: 09:00 – 18:00 WIB
Head Office
Sampoerna Strategic Square North Tower Lt 27,Jl. Jenderal Sudirman No.45 - 46, RT.3/RW.4,
Karet Semanggi, Kecamatan Setiabudi, Jakarta Selatan
DKI Jakarta 12930
For the time being, the Head Office is unable to receive guest visits. For service needs and operational matters, you may visit our Operational Office.
Risk Disclaimer
- Information Technology-Based Co-Funding Services are a civil agreement between the Lender and the Loan Recipient, so that all risks arising from the agreement are fully borne by each party.
- Credit risk or default is fully borne by the Lender. No state institution or authority is responsible for this risk of default.
- The Platform with the consent of each User (Lender and/or Loan Recipient) accesses, obtains, stores, manages and/or uses the User's personal data ("Data Utilization") on or in objects, electronic devices (including smartphones or cellular telephone), hardware or software, electronic documents, applications or electronic systems belonging to the User or controlled by the User, by informing the User concerned of the purpose, limitations and mechanism for Utilizing the Data before obtaining the intended consent.
- Lenders who do not have knowledge and experience in lending and borrowing are advised not to use this service.
- Loan recipients must consider the loan interest rate and other costs according to their ability to repay the loan.
- Every fraud is recorded digitally in cyberspace and can be known to the wider public on social media.
- Users must read and understand this information before making a decision to become a Lender or Loan Recipient.
- The government, in this case the Financial Services Authority, is not responsible for any violation or non-compliance by Users, both Lenders and Loan Recipients (whether due to the User's intention or negligence) with the provisions of laws and regulations or agreements or engagements between the Provider and the Provider. Loans and/or Loan Recipients.
- Every lending and borrowing transaction and activity or implementation of an agreement regarding lending and borrowing between or involving the Platform, Lender and/or Loan Recipient must be carried out through an escrow account and virtual account as required under the Republic of Indonesia Financial Services Authority Regulation Number POJK 40/2024 concerning Information Technology-Based Co-Funding Services and violation or non-compliance with these provisions is evidence that a legal violation has occurred by the Platform so that the Platform is obliged to bear the compensation suffered by each User as a direct result of the violation of the law above without prejudice to the User’s rights who suffer losses according to the Civil Code.
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