Installment Application Without Legal Credit Cards And OJK Recognized

Illustration of an installment application without a credit card (Freepic)

YOGYAKARTA - The existence of installment programs or credit really helps people's needs when shopping for goods that are quite draining their pockets. By utilizing installment services, you can buy dream goods by disbursing them. Currently, there are many installment applications without credit cards that will facilitate your shopping needs.

In the digital era like now, many financial technology (fintech) companies provide installment services without credit cards. Services can be accessed or used simply through an application, without the need to use a credit card. So users can easily apply for installments online, from anywhere and anytime when in need.

Many people have used loan services without credit cards because they offer many advantages. So what are installment applications without credit cards that you can use?

One of the credit card-less installment applications popularly used is Kredivo. With the tagline 'Buy now pay later', this application includes the pioneer of PayLater payment systems or online credit in Indonesia. Kredivo offers fast credit services for shopping without credit cards and cash loans.

Kredivo offers credit services for various payment periods, ranging from 30 days, 3 months, 6 months, to 12 months. The installment services from Kredivo are also available at more than 1,000 online and offline merchants. To pay the installments, it can be done through Banks, Alfamart, Indomaret, and e-commerce.

The installment application without the next credit card that is also widely used is Akulaku. This application provides credit services of up to more than IDR 15 million. The loan tenor in Akulaku is quite long, which is up to 15 months and with a fairly light daily interest of 0.9 percent.

The next recommendation for an installment application without a credit card is Julo. Julo provides an unsecured loan service with a limit of IDR 1 million to IDR 8 million. The tenor or payment period is 2 months to 6 months. Meanwhile, the interest imposed on the Julo loan service is 3-6% per month.

The installment application without other credit cards that is also widely chosen is your Credit. This application is presented by Creditplus, which is a credit institution under the auspices of PT Finansia Multifinance. Your credit offers easy transaction services, namely without DP, without interest, and the first installments are paid in the following month. You can use installment services from your Credit to shop at a number of e-commerce, such as JD.id, Elevenia, and others.

Indodana is also an installment application without a credit card that is widely chosen. This application offers loan services of up to IDR 8 million. Meanwhile, the tenor or installment payment can be made in 3-6 months. In addition, if your loan or installment is smooth, it will receive a reward in the form of adding a loan limit.

That's a list of installment applications without credit cards that you can use to shop for your dream items. With online credit services, you can buy expensive goods without disturbing your financial condition.

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