Credinex - Paylater & Kredit

Shop Now, Pay Later 0%! Up to 100 Million Rupiah

Want to buy a phone? Check out TikTok, Tokopedia, Blibli, Lazada, or want to buy rice and other necessities at the shop next door? Don't worry, just open the Credinex app, and we'll pay and cover it for you!

1️⃣ Why Choose Credinex?
● Shop Now, Pay Later – enjoy Buy Now Pay Later with a limit of up to 100 MILLION, without collateral and without a physical card. Only in Credinex, Buy Now Pay Next!
● 0% Interest Free! – 0% installments, interest-free for up to 46 days for those who just need a temporary loan and pay next month.

● Installments up to 12 months – want to pay in installments up to 1 year? Sure, so your cash flow can continue to flow smoothly for other needs.

● Fast & easy – the process is hassle-free, just bring your phone and install the Credinex app for transactions and payments anywhere.

● Safe & Professional – Our system follows modern banking standards, and we will always safeguard your transactions and personal data.

● Many Stores & Attractive Promos – Transactions can be made anywhere! Shop online or offline, and get instant cashback of up to 10% and other special rewards.

2️⃣Payment Features & Benefits
A. Features: Use Credinex's features for payments and transactions below!
● Payments at all merchants using QR
● Virtual Account (VA) Payments: Checkout Tokopedia, Blibli, TikTok, Lazada
● Phone Credit, Data Packages: Available for all operators
● PLN: Electricity Bills & Electricity Tokens
● PDAM: Available at all branches in Indonesia
● Telkom
● Barcode Scan: Alfamart, Alfamidi, Dandan
● Train Tickets
● BPJS: Health & Employment
● Cable TV: Indihome Speedy, MNC Play, MNC Vision, MyRepublic, Transvision
● Freebies: Samsung, Dyson, Panasonic, etc. (*T&Cs Apply, By exchanging coins)

B. Benefits
● Cashless, Instant Payment: No need to carry cash, credit/debit cards for transactions! Simply use your credit limit to pay at thousands of online and offline stores.

● Installments as You Wish: Terms start from 46 days (*Interest-Free) and up to 3, 6, 9, and 12 months.
● Shop Anywhere, Anytime 24/7: Shop online and offline at thousands of stores anytime you want, such as Tokopedia, Shopee, Blibli, Starbucks, Domino's, Alfamart, Indomaret, and many more.
● All-in-1 App: Pay monthly bills for electricity, water, and BPJS (Social Security) and even buy your internet quota at Credinex.

3️⃣ How to Shop/Transact Using Credinex
1. Download the Credinex app and register an account with your phone number.
2. Fill in your personal details, activate, and get a Paylater limit.
3. Pay bills/select items at your favorite stores and pay using your Credinex Paylater limit.
4. Pay your installments according to your chosen term, interest-free, hassle-free.
What's next? Just download the Credinex app! Buy Now, Pay Next!

4️⃣ Our Customer Service is Ready to Serve
📞 Hotline/Phone: +6221 39506666
💌 Email: csofficial@credinex.id
⏰ Operating Hours: Monday-Friday 8:00 AM–8:00 PM | Saturday-Sunday 8:00 AM–7:00 PM
🔎Facebook: Credinex Marketing
🔎Instagram: credinex_official

5️⃣ Installment Credit Simulation
If you use Credinex for a transaction worth IDR 3,000,000 and choose the 3-month installment payment method, the simulation will look like this:
● Installment Principal: IDR 3,000,000
● Installment Interest: 1%*3*IDR 3,000,000 = IDR 90,000
● Total Payment (Installment Principal + Installment Interest): IDR 3,090,000 (IDR 3,000,000 + 90,000)