3 Safe And Legal HP Credit Applications

Illustration of smartphones. (Photo: dock. Unsplash).

YOGYAKARTA HP credit applications make it easier for users to buy new smartphones even with limited funds. However, before using the HP credit application, you need to understand how it works and the risks that may occur. In addition, also look at the security and legality of the application.

Well, in this article VOI has summarized a number of information about the HP credit application which is legal and safe. Read it all the way to the end, yes!

1. BRI Cheerful

BRI cheerfully is a digital loan product owned by PT Bank Rakyat Indonesia Tbk. Through this application, you can buy your cellphone on credit without having to come to the bank and go through a complicated process. Registration is also very easy, you just need to include your ID card photo as one of the acts.

In addition, the process is also fast. You can get a maximum loan of IDR 20 million in just 10 minutes. For repayment, you can pay credit up to 12 months with a flat interest rate of 1.42 percent per month.

This application is already available on various online merchants, such as Tokopedia and dinomarkets, so you can buy new smartphones easily.

BRI Ceria has been officially registered and supervised by the Financial Services Authority (OJK). This digital loan product has also been declared a safe-to-use financial technology application.

2. Shopee

Shopee is an online shopping platform that is quite popular in Indonesia. As an e-commerce, Shoppe provides Shopee Paylater services that users can use to buy cellphones with payment schemes later and installments every 3/6/12 months.

The loan limit offered by Shopee Paylater is also quite high, it can reach Rp. 15 million to Rp. 20 million.

All transactions using the paylater feature will be charged an interest of 2.95 percent with an additional 1 percent handling fee.

Shopee Paylater is a legal online loan product that has been registered and supervised directly by the OJK. This means that this service is safe to use to apply for HP credit.

3. Kredivo

Kredivo is a digital loan product that provides a purchase service now pay later or PayLater. Through this application, you can credit your cellphone online at a merchant.

You should know, Kredivo has collaborated with thousands of merchants. Some of them are Tokopedia, Lazada, Blibli, Erafone, Electronic City, Xiomi, to Samsung.

To be able to apply for HP credit through Kredivo, there are a number of conditions that must be met.

According to Kredivo's official website, here are the requirements for applying for a HP credit at Kredivo:

The maximum credit limit given by kredivo is quite diverse. For the Paylater feature or pay in 30 days, you can get a credit limit of up to IDR 3 million.

As for the installment feature, the Kredivo credit limit given to customers can reach Rp. 30 million.

Kredivo is a safe and legal HP credit application because it has been registered and supervised by the Financial Services Authority.

That's information about a safe and legal HP credit application. Get news updates of other options only on VOI.ID.