Online App Credit, No Credit Card

Technological advancements have made it easier for people to do many things, including applying for credit. If you need sudden funds, there is no need to be confused because there are now many online credit applications that can disburse loan funds in just a matter of hours.

No survey, no credit card, and no complicated process. Account registration and loan application can also be done online. Here are some online credit applications that can be downloaded for free from the Google Play Store or App Store.

  1. Kredivo

Kredivo provides credit card-like services to provide convenience to users who want to buy goods and pay later. Many online merchants have collaborated with Kredivo such as Tokopedia, Bukalapak, Shopee, Lazada, Blibli,,, and hundreds of other merchants.

You can make transactions without DP with a limit of up to Rp 30 million. Kredivo offers 2.95% interest which is claimed to be 50% cheaper than other online credits. For payments within 30 days, you will not be charged any interest at all. One of the requirements to register for a Kredivo account is to earn at least Rp 3 million per month.

  1. Akulaku

With the tagline “Online Credit Now” Akulaku provides credit services anytime anywhere to all its users. Akulaku users can apply for an express loan of up to Rp 2 million that can be disbursed in just 5 minutes. The loan tenor is also quite loose up to 40 days.

Akulaku collaborates with many well-known brands such as Alfamart, Bukalapak, Shopee, Oppo, Vivo, Xiaomi, Blibli, Samsung, Telkomsel, and many more. On its official website, Akulaku describes their company as the largest online virtual credit application in Southeast Asia. Akulaku’s user market is in Indonesia, Malaysia, the Philippines, and Vietnam. Akulaku has an official license from the Indonesian government’s OJK.

  1. Home Credit

Just like any other online credit app, Home Credit offers easy installments without a credit card. Home Credit Group is a world-class financial services provider with branches in North America, Europe, and Asia with more than 55 million users.

Since entering Indonesia in 2013, Home Credit services can now be enjoyed by people living in major cities such as Surabaya, Densapar, Yogyakarta, Bandung, Medan, and many more.

Home Credit’s features range from in-store cashless financing to multipurpose financing for home renovations, vacations, and education expenses.

  1. Your credit

Your Credit is a payment method offered by Kreditplus, a credit institution under the auspices of PT Finansia Multifinance. Your credit consumers can use installment facilities to shop online at Elevenia,, Pasarwarga, and many more.

Transactions with your credit are also very easy because there are no down payments, no interest, and the first installment is paid the following month. You can use the Creditmu service by downloading the application and then registering an account online.

  1. Installments

Unlike online credit in general, Cicil is an application specifically designed for students. The tagline of this application is “Light installment platform for students without a credit card”.

By using installments, students can buy their college needs via e-commerce, copy the product link, then paste the link on the installment website to find out the amount of installments that must be paid per month. Uniquely, the Cicil application only accepts installment applications for college needs. If there is a need that is considered deviant, then the installment application will not be accepted.

  1. Cash Cloud

Awan Tunai is an online financial service for traders or entrepreneurs who want to get a capital loan. Not only that, Awan Tunai can also be used by consumers who want convenience when shopping at stores.

Awan Tunai has worked with producers and distributors to reach hundreds of millions of micro-entrepreneurs throughout Indonesia. With this service, it is hoped that micro entrepreneurs can be assisted in terms of financing.

Applying for credit at Cloud Cash is fast and easy, all you have to do is prepare an active KTP and cellphone number. Interest rates for Awan Tunai loans are low so they don’t burden their customers.

  1. Friends Money

Operating since April 2015, UangFriend is one of the pioneers of online credit in Indonesia. This service can be accessed through a smartphone application and website. If all requirements have been met, Uang Friend can withdraw the loan in just 15 minutes. Now the Uang Friend service has reached all of Java, Bali, Makassar, Jambi, Palembang, Lampung and Balikpapan.

  1. WinWin

WinWin is an online loan service based in Surabaya. This service has been around since 2016 and only covers the Jakarta and Surabaya areas. Users can apply for a maximum loan of IDR 2 million within 30 days. Unlike other online financial applications, WinWin requires face-to-face contact with prospective customers for verification purposes.

  1. My Cash

Tunaiku is a feature of AmarBank. Previously Tunaiku was an online loan through a website, but now it can be accessed through an application. Without the need to provide collateral, the customer only needs to provide an ID card when applying for credit. The amount of funds that can be disbursed is also quite large, around Rp. 2-20 million. Prospective customers who will apply for a loan must be aged 21 to 55 years.

  1. TunaiKita

TunaiKita is a fintech service that can only be accessed via a smartphone application. This application is still in beta, but has received good response from its users. The loan amount that can be disbursed is IDR 1 million to IDR 7 million with a tenor of up to 6 months.






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