Language : English | Indonesia

The Kredible Advantage

Affordable interest rates

Easy Application

Quick Approval

Always here to help

Products Offered

Simulate Borrowing

Loan amount Rp5,000,000 - Rp2,000,000,000

Interest rate 12% - 23% per annum

The figures generated by this calculator are intended as a guide only, based on information that you provide. This shall not, and is not intended to, constitute a commitment that rates offered to you will necessarily be better than those generated by the calculator, and, in particular, is not a commitment to provide any financing. Rates will be determined according to, among other things, our analysis of your risk profile. Any financing is subject to such terms and conditions, disclaimers and borrowing criteria as may be set by Kredible from time to time.

The lending process

Register with us conveniently through our website or mobile application

Once you are successfully registered, you can apply for loan online via our website or app

Your loan will be published on our marketplace and the interest on your loan will be determined by our credit scoring system

The loan is successfully crowdfunded by our pool of lenders

The funds is disbursed shortly after crowdfunding has completed

Have a question for us?


Kredible Care

Kredible Complaint Service


Certified By


  1. The Information Technology-based Peer to Peer Lending Service is a civil agreement between Lender and Borrower, so that all risks arising from the agreement are borne entirely by each party.
  2. Every Lender is fully responsible for all credit risks of late or default payments. No national entity or authority is responsible for any such risks.
  3. The Operator with the approval of the respective Users (Lenders and/or Borrowers) accesses, acquires, stores, administers and/or uses the User's personal data of Users ("Data Utilization") on or inside objects, electronic devices (including smartphones or phones cellular), hardwares, softwares, electronic documents, applications or electronic systems belonging to Users or controlled by the Users, by notifying the purpose, limitations and mechanisms of the Data Utilization to the Users concerned before obtaining such consent.
  4. Lenders who do not have sufficient knowledge and experience on the lending business are advised not to use this service.
  5. Borrowers should carefully consider the loan interest rate along with other costs in accordance with the ability to pay off the loan.
  6. Every fraudulent activity is recorded digitally in cyberspace and may potentially be informed to the public through social media networks.
  7. Every User should read and understand this information before making a decision to become a Lender or Borrower.
  8. The Government, in this case the Financial Services Authority, shall not be liable for any breach or non-compliance by the User, either the Lender or the Borrower (either by User's intent or negligence) of the provisions of the laws and regulations or agreements or agreements between the Operator and the Lender and/or Borrower.
  9. Every transaction and lending activity or the implementation of the agreements on lending activity between or involving the Operator, Lender and/or Borrower shall be made through escrow and virtual accounts as required under the Regulation of the Financial Services Authority Number 77 / POJK.01 / 2016 on The Information Technology-based Peer to Peer Lending Service and the violation or non-compliance towards those provisions constitute evidence of a violation of law by the Operator so that the Operator shall bear the indemnity suffered by each User as a direct result of the above breach of the law without prejudice to the right of the User suffering loss according to the Civil Law.
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