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Kreditmu

Kreditplus is the solution to fulfill your every desire with your credit limit! Enjoy a credit limit of up to 20 million with a down payment start of 0% with requirements below :

 

What is Kreditmu?

Kreditmu is a financing service contained in the Kreditplus Mobile application. Your credit provides a limit to selected consumers who already have a history of transactions using Kreditplus financing and a fairly good and good payment history. In addition, for those of you who have not received a limit or have never made a transaction using Kreditplus, you can directly apply for a limit through the Kreditplus Mobile application.

Kreditmu Limit Application Requirements
  1. Indonesian Citizens
  2. Have an E-KTP
  3. Take a selfie in a bright and clear place by removing the mask
  4. Prepare other supporting documents if needed (salary slips for employees or NPWP for employers)
Steps for Submitting Your Credit Limit
  1. Download the Kreditplus Mobile application in the app store or in the playstore or you can directly click the link. 
  2. Verify your account via the Kreditplus Mobile application
  3. Select the menu request limit, then click the submit now button
  4. Enter your personal data according to your ID card, job data, and other data.
  5. Wait a few moments to check the status of your application
  6. A notification of the status of the limit submission appears
  7. Check the limit on the application homepage and you can use the limit for transactions
Make sure the following things before you use Kreditmu limit: 
  1. Check through the Kreditplus Mobile application or ask for the assistance of a Kreditplus sales agent to ensure that you really have your credit limit
  2. Make sure your account status is verified. If not, you can verify your account via the Kreditplus Mobile application
  3. Make sure your limit status is active.
Kreditmu Limit Tenor
  • 30 Days Limit
    • Can only be used to finance daily needs with a minimum transaction of IDR 150,000 to IDR 500,000
  • 3 Months Limit
    • Can be used for two types of financing, namely financing for daily needs with a minimum transaction of IDR 300,000 to IDR 500,000 and electronic financing, furniture, and cash funds guaranteed by BPKB with a minimum transaction of IDR 1,500,000
  • 6 Months Limit
    • Can be used for electronic financing, furniture, and cash funds with BPKB guarantees with a minimum transaction of IDR 1,500,000
  • 12 Months Limit
    • Can be used for electronic financing, furniture, and cash funds with BPKB guarantees with a minimum transaction of IDR 1,500,000

*)Valid from 5 July 2022.

Your credit limit can be used for transactions on offline and online channels. On the offline channel, you can make transactions at all outlets that collaborate with Kreditplus. While on the online channel, you can make transactions through the Kreditplus Mobile application and E-Commerce in collaboration with Kreditplus, including Pasarwarga, Dinomarket, and Bhinneka.

How to Using Your Credit Limit
  • Daily needs
    • Everything you need to make your days easier from IDR 150,000 to IDR 500,000
  • Mobile and Electronics
    • You can have your dream cellphone or electronic goods with your credit limit, the limit can be used starting from IDR 1,500,000
  • Furniture
    • Complete your home equipment starting from sofas, wardrobes, and beds using your credit limit starting from IDR 1,500,000
Limit Kreditmu Category
Description Blue Gold Platinum
Limit Active Periods 1 Month 3 Month 6 Month
Limit Merchant Usage Offline Merchant Offline Merchant Offline dan Online Merchant
Limit Obtained Up to 20 Million Up to 20 Million Up to 20 Million