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3 Newest Online Installment Shopping Applications Without a Credit Card

How to Install Online Shopping Without a Credit Card – Amount e-commerce in Indonesia also attract internet users to shop online. The payment services provided are increasingly varied, starting from COD (Cash On Delivery), Bank transfer, until payment via Minimarket.

There is also a product installment service where we can pay in installments for every item we buy. Usually to apply for installments of goods or online shopping installments, we must have: credit card or credit card. Well, this is an obstacle for some people because not everyone has a credit card. Therefore, here you can find information about several installment online shopping applications or can be paid in installments without a credit card which is certainly safe and comfortable.

3 Online Shopping Apps Without a Credit Card

The solution, there is a breakthrough from several Indonesian startups that provide online shopping services that can be paid in installments without having to have a credit card, including the following:

1. ILaku

Akulaku is an installment online shopping application that provides convenience in shopping online in installments. Here we can shop for various goods or products in installments without having to have a credit card.

This application guarantees safe shopping by ensuring that the product has been received before the money transferred is given to the seller. To apply for online shopping with installments, there are steps that need to be taken:

  1. Download App I do on playstore
  2. Do the Registration Process
  3. Login to Akulaku account
  4. Go to the Bills menu, then press the Credit Application button
  5. Fill in the form completely and confirm your Facebook or LinkedIn account
  6. Upload a soft file or photo of the E-KTP, a photo of us holding our ID card, and our ID card number correctly and clearly.
  7. Fill in emergency contact
  8. Fill in the data where we work
  9. Finished

Later, the status of the submission will be “under checking” and just wait until the notification of our submission is received by AkuLaku.

2. Installment

Cicil or Cicil.co.id is an installment financing service without a credit card that is specifically for students. This installment application makes it easy for students who want an item or product in installments.

Installments are enough to help students buy products that can support activities on campus such as buying books, clothes, food products, laptops, smartphones and so on.

There are 3 easy conditions for applying for installments:

  1. Still an active student in college.
  2. Have an E-KTP
  3. Have a Student Identity Card (KTM)

Steps for submitting installments:

  1. Register in advance through the Cicil application on Playstore
  2. Fill in all the data and requirements correctly and completely
  3. Look for the product / item that we want to buy on online shopping, for example at Tokopedia, Lazada, or Bukalapak
  4. Copy the link of the product to be purchased
  5. Then, Paste the link in the column provided in the application
  6. We can adjust the amount of DP and how many months the installments are
  7. Apply for installments
  8. Finished

3. Kredivo

Kredivo provides payment services where users can buy various products from more than 80 merchants such as Lazada, JD.ID, Bukalapak, or Tokopedia.

Before applying for installment online shopping, we must meet the basic requirements from Kredivo:

  1. Indonesian Citizen (Indonesian Citizen)
  2. Minimum age 18-60 years
  3. Domiciled in Greater Jakarta, Medan, Palembang, Bandung City, Denpasar, Surabaya, or Semarang
  4. Have a fixed income of at least 3 million rupiah per month

Well, after that you can follow the steps for submission as follows:

  1. Download app Kredivo in Playstore then Click “Apply for Kredivo”
  2. Press “Pay in 30” to register using the 30 day installment method or 3 to 12 month installments
  3. Connect to Facebook account as verification
  4. Fill in the required personal data form, then click submit
  5. Upload a photo of our ID card
  6. click on Address. Relationship with 1 media account that we have for address verification then press submit
  7. Finished. Wait until your credit application is approved, approximately 1×24 hours at the longest.

Those are 3 Online Shopping Applications in Installment Without Credit Cards that we can use for needs if one day or maybe now we want to buy an item / product but don’t have enough money to buy it in cash. Hopefully by reading this article about online shopping installments without a credit card, you can be of some help. That is all and thank you!!