Kredivo - Shop Now, Pay Later

Experience Southeast Asia's premier online Buy Now Pay Later platform! Now available in the Philippines, Kredivo offers you with flexible loan solutions right from your mobile device. Through the Kredivo app, approved users may use a credit limit assigned upon approval to pay at 600,000+ merchants, make bill payments, or apply for cash loans—without requiring a credit card.

What Kredivo Offers:

- Transact on QRPh and Paylater: Use Kredivo to pay at participating QRPh-enabled and partner merchants across the Philippines. Eligible transactions can be repaid in installments based on the selected repayment plan and applicable charges.

- Cash Loan: Eligible users may apply for a cash loan of up to ₱50,000, which will be disbursed to the user’s registered bank account upon approval. Loan amounts, interest rates, fees, and repayment periods depend on eligibility and selected loan terms.

- Bill Payment: Take control of your life by paying your electricity, utility, mobile, and other bills—all in one seamless app! With Kredivo, you can manage your payments now and budget for later, all while doing so at 0% interest rate.

Registration & Use:

Download the buy now pay later apps Philippines and complete your registration in just 5 minutes. Once approved, you can view your available credit limit and use Kredivo for eligible purchases at participating merchants, bill payments, or cash loan applications. All interest rates, fees, and repayment schedules are shown clearly in the app before you confirm any transaction. Repayments can be made through multiple online and offline payment options.

How We Are Secured:

Your security is our highest priority. With state-of-the-art encryption protecting your data, you can shop with complete peace of mind. Kredivo is a buy now pay later apps Philippines that is fully regulated by the Securities and Exchange Commission (SEC Reg. Number: CS201905678), guaranteeing that your information is not just safe but also backed by a trusted authority!

Information about the cost of your installment plan:

- Monthly interest rate ranges from 0% to 3.99%

- Annual Percentage Rate (APR) of our installment plans ranges from 0% to 115%

- Service charges range from 1% - 5%

- Cash Loan amounts up to ₱50,000

- Product purchases with installments available up to 12 months (Note: Cash loan installments only available for 6 months)

Representative example of the total cost of a QRPh Scan-to-pay loan (basic users):

- QRPh Scan-to-pay, 3 Month Installment plan for ₱3,000.

- When conducting a QRPh transaction for a product priced at ₱3,000, we will disburse the payment directly to the merchant.

- You will need to repay in 3 monthly installments of ₱1,153.29.

- In total you will need to repay ₱3,459.87 which includes ₱3,000 Principal, ₱369.87 Interest and ₱90 Service Charge

Warning: Borrow only as much as you need and can afford to repay.

KREDIVO PHILIPPINES FINANCING CORP. (KREDIVO PH) is regulated by Securities and Exchange Commission with contact number 8818-5990 email [email protected]: SEC Reg. Number: CS201905678 issued 27 May 2019 and Certificate of Authority Number 1323 issued 12 Nov 2025.

For inquiries or feedback, reach us at [email protected] or call (+632) 8841 7920.

Business Address:

KREDIVO PHILIPPINES FINANCING CORP. (KREDIVO PH)

20F Arthaland Century Pacific Tower

4th Avenue corner 30th Street

Bonifacio Global City, Taguig

Join Kredivo today and experience the freedom to shop smart!