FAQ

The maximum interest rate is 25% annually or 2.08% monthly. No other fees or costs shall be applicable on your loan, except collection fees in case of default.

You will receive the funds within 1 (one) business day or earlier, if possible. If you haven’t received the money within this period, please contact our customer service at (+66)2 544 0034 or email via support.th@kredivo.com.

Cash Loan is available to all Kredivo users.

Few steps! Here's how:

1. Open the Kredivo app and select 'Cash Loans.'
2. Choose your loan tenure, amount, and purpose.
3. Add your destination bank.
4. Enter your Kredivo PIN and tap 'Request.'
That’s it! You’ll receive the funds within 1 (one) business day (or earlier if possible).

The minimum loan amount is THB 100. The maximum loan amount shall be up to the amount of the revolving credit limit granted to you by Kredivo, which shall, in aggregate, not be above THB 20,000. Limit availablity shall depend on your outstanding bills and transactions as well as the actual credit profile of each user as determined by Kredivo.

Yes, the availability of your Kredivo revolving credit limit will be reduced by the loan amount. Once the loan is fully repaid, your revolving credit limit will be restored.

Your Cash Loan will be disbursed to the destination bank account you provided. The bank account must be under the same name reflected in the government-issued ID you used to register your account.

from the 21st or 25th (as the case may be) of one month to the 20th or 24th (as the case may be) of the following month. Transactions made within this period will appear on the bill for that month. For example:

- Transactions from 21 Jan '25 to 20 Feb '25 will be included in the February '25 bill, with a due date of 1 Mar '25.
- Transactions from 21 Feb '25 to 20 Mar '25 will be included in the March '25 bill, with a due date of 1 Apr '25.
You can also check your due date in the cash loan transaction history within the app.

In line with the information provided under General Information, if your payment is late, a daily interest rate of 0.0685% will be applied to the outstanding balance until it is fully settled.

A collection fee of THB 50 or THB 100 may apply if the outstanding amount is above THB 1,000,

for one billing cycle (THB 50)
or more than one billing cycle (THB 100).
Please note that Kredivo does not charge any registration or annual fees.

Certainly! You can pay off your loan early at your convenience at no extra charge. You will only pay interest up to the date on which you repay.

To repay early, please contact Kredivo Customer Service on (+66) 544 0034 or email via support.th@kredivo.com support.th@kredivo.com.

An early repayment function within the app will be available soon.

Maximum Interest rate is 25% per year or 2.08% per month.
No other fees or costs shall be applicable on your loan, except collection fees in case of default.

Biller service is available to all Kredivo users.

Here's how to purchase mobile load or data through Kredivo:

1. Select 'Mobile Top-Up' on the Kredivo dashboard.
2. Input your mobile phone number and choose your network
3. Select the top-up amount.
4. Input your Kredivo PIN.
5. Input the OTP code sent via SMS to complete the purchase
Your mobile load or data will be added automatically.We will send the transaction details via Email.

The minimum loan amount is THB 20.The exact credit amount available to each user may vary depending on their individual credit profile and the amount provided by the respective service providers. Users can make multiple transactions as long as they remain within their credit limit.

Please note that the repayment tenor for this service is fixed at 1 month.

Yes, your Kredivo credit limit will be reduced by the loan amount. Once the loan is fully repaid, your credit limit will be restored.

Here's how to pay your electricity bill through Kredivo:

1. Select 'Electricity' on the Kredivo dashboard.
2. Choose your electricity provider.
3. Input your customer code, then tap 'Request Bill.'
4. Check your bill amount in the payment details.
5. Input your Kredivo PIN.
6. Input the OTP code sent via SMS to complete the payment. We will send the transaction details via Email.

Don't worry! If you haven’t received the mobile load or data within 10 minutes after purchase, you can report it to us at(+66)2 544 0034 or email via support.th@kredivo.com We will review your report within 24 hours.

Please remember to always ensure that you enter the correct phone number when purchasing mobile load or data. We will not be able to refund your purchase if you input the wrong phone number.

If the product is unavailable, it means the service provider has not activated the payment option for that product.

The billing cycle

from the 21st or 25th (as the case may be) of one month to the 20th or 24th (as the case may be) of the following month. Transactions made within this period will appear on the bill for that month. For example:

- Transactions from 21 Jan '25 to 20 Feb '25 will be included in the February '25 bill, with a due date of 1 Mar '25.
- Transactions from 21 Feb '25 to 20 Mar '25 will be included in the March '25 bill, with a due date of 1 Apr '25.
You can also check your due date in the cash loan transaction history within the app.

If your payment is late
a daily interest rate of 0.0685% will be applied to the outstanding balance

until it is fully settled. Additionally, a collection fee of THB 50 or THB 100 may apply if the outstanding amount is above THB 1,000,

for one billing cycle (THB 50)
or more than one billing cycle (THB 100).
Please note that Kredivo does not charge any registration or annual fees.

Certainly! You can pay off your loan early at your convenience at no extra charge. You will only pay interest up to the date on which you repay.

To repay early, please contact Kredivo Customer Service on (+66)2 544 0034 or email via support.th@kredivo.com.

An early repayment function within the app will be available soon.

You may also be charged a stamp duty fee on your first bill, equivalent to THB 1 per THB 1,000 (rounded up to the nearest THB 1,000, or equivalent to 0.05%), calculated on your revolving credit limit approved by Kredivo, in line with the Thai Revenue Department's stamp duty taxes and policies

Such stamp duty fee may be reflected in your first monthly bill and shall be paid directly by Kredivo to the Thai Revenue Department. A stamp duty fee may be due and payable once only.

Yes, we will send you a push notification from the Kredivo app, or an email, reminder calls, to remind you about your upcoming payments.

The billing cycle

from the 21st or 25th (as the case may be) of one month to the 20th or 24th (as the case may be) of the following month. Transactions made within this period will appear on the bill for that month. For example:

- Transactions from 21 Jan '25 to 20 Feb '25 will be included in the February '25 bill, with a due date of 1 Mar '25.
- Transactions from 21 Feb '25 to 20 Mar '25 will be included in the March '25 bill, with a due date of 1 Apr '25.
You can also check your due date in the cash loan transaction history within the app.

Your account may be temporarily blocked until payment is made.

We'll continue sending reminders, and if the payment remains unpaid, we may take further steps as outlined in the loan facility revolving loan agreement. This could include using third-party collection services or reporting your unpaid bill to the National Credit Bureau.

If you are facing specific cisrcumstances that may prevent you from repaying your bill(s) in a timely manner, please contact Kredivo Customer Service immediately on (+66) 544 0034 or email via support.th@kredivo.com

We will give you a maximum of 90 days to pay your bill from the due date.

If you are facing specific cisrcumstances that may prevent you from repaying your bill(s) in a timely manner, please contact Kredivo Customer Service immediately on (+66) 544 0034 or email via support.th@kredivo.com

Please review your bill details in the Kredivo app first. If you still find the bill amount incorrect, please report it to us via email at support.th@kredivo.com. We’d be happy to assist you.

Certainly! You can pay off your bill early at your convenience at no extra charge. You will only pay interest up to the date on which you repay.

To repay early, please contact Kredivo Customer Service on (+66)2 544 0034 or email via support.th@kredivo.com. An early repayment function within the app will be available soon.

An early repayment function within the app will be available soon.

Certainly! Please contact Kredivo Customer Service on (+66)2 544 0034 or email via support.th@kredivo.com.

if you have paid an excess amount and have not requested for the withdrawal of such excess amount, it shall be applied automoatically towards your next bill with Kredivo.

Your personal information is required to verify your identity and process your Kredivo application.
This also ensures protection of applicants and customers by guaranteeing that all information is accurate.

Kredivo takes your privacy and personal information seriously.
We protect all of your data against unauthorized access and use.

Yes, you just need to submit the documents below to apply:

1. Any of the following government-issued ID: national ID card
2.A clear selfie

Based on AMLO and Bank of Thailand regulations, every loan provider must complete a Know Your Customer (KYC) process where the customers need to submit their ID Card and a selfie to verify the identity of each individual applying for a revolving credit limit facility account at a licensed Personal Loan and Digital Personal Loan Company (like Kredivo).

Maximum Interest rate is 25% per year or 2.08% per month.
No other fees or costs shall be applicable on your loan, except collection fees in case of default.

This service is coming soon! We'll let you know as soon as it is available!

Yes, you can shop and scan-to-pay using QR Promptay from within your Kredivo App, at thousands of stores across the country. You can choose to pay in 1 month or opt for installments over 2,3,5 months, with a maximum 2.08% monthly interest rate across all tenors, without downpayment, nor needing a credit card.

This service is coming soon! We'll let you know as soon as it is available!

Kredivo on QR Promptay is available to all Kredivo users, everyone is eligible as long as they meet the minimum requirements.

This service is coming soon! We'll let you know as soon as it is available!

The minimum transaction amount is THB 20 for 1 month transactions and THB 100 for instalment options in 2, 3, and 5 months. The maximum transaction amount on Kredivo QR Promptay is 20,000THB. The exact credit amount for each user may vary based on their individual credit profile.

This service is coming soon! We'll let you know as soon as it is available!

Yes, your Kredivo credit limit will be reduced by the loan amount. Once the loan is fully repaid, your credit limit will be restored.

This service is coming soon! We'll let you know as soon as it is available!

You can purchase all products available at merchants accepting QR Promptay, based on their category, and in line with the Kredivo Terms and Conditions and your Loan Facility Credit Revolving Agreement. Ensure your credit limit is sufficient for the selected tenor, which can be viewed from your Kredivo app

This service is coming soon! We'll let you know as soon as it is available!

After completing your checkout and confirming your purchase with Kredivo, you will receive a transaction confirmation by the merchant. Please contact the merchant directly for any updates on your purchase status.

This service is coming soon! We'll let you know as soon as it is available!

Cancellation is subject to the relevant merchant's cancellation policy. Please contact the merchant if you wish to cancel your transaction before receiving the goods. If the merchant agrees to cancel your order, your credit limit will be restored in real time to your Kredivo account. It may take up to 7 business days to process any refund of payments you have made.

This service is coming soon! We'll let you know as soon as it is available!

If you encounter any issues with the items you purchased, please contact the merchant directly.

The first partial refund will be credited to your next monthly bill associated with your loan. If the refund amount exceeds the next monthly charge, the remaining balance will be applied to the next month's bill.

กรุณาติดต่อ support.th@kredivo.com. เพื่อดำเนินการคืนเงินบางส่วนของคุณ

The billing cycle

from the 21st or 25th (as the case may be) of one month to the 20th or 24th (as the case may be) of the following month. Transactions made within this period will appear on the bill for that month. For example:

- Transactions from 21 Jan '25 to 20 Feb '25 will be included in the February '25 bill, with a due date of 1 Mar '25.
- Transactions from 21 Feb '25 to 20 Mar '25 will be included in the March '25 bill, with a due date of 1 Apr '25.
You can also check your due date in the cash loan transaction history within the app.

If your payment is late
a daily interest rate of 0.0685% will be applied to the outstanding balance

until it is fully settled. Additionally, a collection fee of THB 50 or THB 100 may apply if the outstanding amount is above THB 1,000,

for one billing cycle (THB 50)
or more than one billing cycle (THB 100).

Please note that Kredivo does not charge any registration or annual fees.

Certainly! You can pay off your loan early at your convenience at no extra charge. You will only pay interest up to the date on which you repay.

To repay early, please contact Kredivo Customer Service on (+66)2 544 0034 or email via support.th@kredivo.com.

An early repayment function within the app will be available soon.

Maximum Interest rate is 25% per year or 2.08% per month.
No other fees or costs shall be applicable on your loan, except collection fees in case of default.

BNPL with Kredivo is available to all Kredivo users.

The minimum transaction amount is THB 10. The maximum transaction amount on BNPL with Kredivo is 20,000THB. The exact credit amount for each user may vary based on their individual credit profile.

Yes, your Kredivo credit limit will be reduced by the loan amount. Once the loan is fully repaid, your credit limit will be restored.

Maximum Interest rate is 25% per year or 2.08% per month.
You will see the interest rate on the payment confirmation page before making the transaction.

You may also be charged a stamp duty fee on your first bill, equivalent to THB 1 per THB 1,000 (rounded up to the nearest THB 1,000, or equivalent to 0.05%), calculated on your revolving credit limit approved by Kredivo, in line with the Thai Revenue Department's stamp duty taxes and policies. Such stamp duty fee shall be paid and passed on by Kredivo to the Thai

If you make a late payment,
you will be charged 0.0685% daily interest on the remaining outstanding balance for every day until the payment has been made. A THB 50 or THB 100 collection fee on your late repayment may also apply if your unpaid oustanding balance is above THB 1,000 for one or more billing cycle respectively.

for one billing cycle (THB 50)
or more than one billing cycle (THB 100).
Please note that Kredivo does not charge any registration or annual fees.

If you make a late payment,
you will be charged 0.0685% daily interest on the remaining outstanding balance for every day

until the payment has been settled. A THB 50 or THB 100 collection

A THB 50 or THB 100 collection fee on your late repayment may also apply if y
your unpaid oustanding balance is above THB 1,000 for one or more billing cycle respectively.

You can use Pay Later at Kredivo partner merchants.

The billing cycle

from the 21st or 25th (as the case may be) of one month to the 20th or 24th (as the case may be) of the following month. Transactions made within this period will appear on the bill for that month. For example:

- Transactions from 21 Jan '25 to 20 Feb '25 will be included in the February '25 bill, with a due date of 1 Mar '25.
- Transactions from 21 Feb '25 to 20 Mar '25 will be included in the March '25 bill, with a due date of 1 Apr '25.
You can also check your due date in the cash loan transaction history within the app.

If your payment is late
a daily interest rate of 0.0685% will be applied to the outstanding balance

until the payment has been settled. A THB 50 or THB 100 collection

A THB 50 or THB 100 collection fee on your late repayment may also apply if y
your unpaid oustanding balance is above THB 1,000 for one or more billing cycle respectively.
Please note that Kredivo does not charge any registration or annual fees.

Certainly! You can pay off your loan early at your convenience at no extra charge. You will only pay interest up to the date on which you repay.

To repay early, please contact Kredivo Customer Service on (+66)2 544 0034 or email via support.th@kredivo.com. An early repayment function within the app will be available soon.

An early repayment function within the app will be available soon.

You can delete your Kredivo account by going to the account page and clicking 'Manage Account Status' or you can contact our Customer Service team at (+66)2 544 0034 or email via support.th@kredivo.com to request account closure or deletion.

Please follow the instructions provided by the Customer Service team to proceed with the next steps. Please note, you cannot delete your Kredivo account if you still have outstanding loan.

You can only request to close or delete your account once all outstanding loans have been paid.

You can delete your Kredivo account by going to the account page and clicking 'Manage Account Status' or you can contact our Customer Service team at (+66)2 544 0034 or email via support.th@kredivo.com to request account closure or deletion.

Please follow the instructions provided by the Customer Service team to proceed with the next steps. Please note, you cannot delete your Kredivo account if you still have outstanding loan.

There are a few reasons why you may be unable to close or delete your account, such as:

- You still have outstanding loans.
- Your account is currently 'Blocked' or 'Suspended.'
The Customer Service team will inform you of the specific reason if your request cannot be processed.

Yes, you can. Please resubmit your application as a new user and wait for approval from our system.

You cannot restore your account after it has been deleted. Your credentials will be automatically removed from our system, and your account will not be misused.

To continue using our services, please re-register as a new user and wait for approval.

When you delete or remove your account, its status will be deactivated, and your login credentials will be removed from our system. This means you will no longer be able to log in to our application

Your account information shall be recorded only in accordance with applicable law and our privacy policy.

You can unlink your device if you want to log in to your account on another device.

This feature is part of Kredivo's latest product policy, which limits one account to one device at a time to enhance the security of your Kredivo account.

You can unlink your previous device by downloading the Kredivo app on your new device and logging in with your Kredivo account. The system will automatically prompt you for re-verification on the new device.

- Enter the OTP code.
- Take a selfie.
Once both are verified, your new device will be automatically linked, and the previous device will be unlinked.

If you have any problem unlinking a device, please contact our Customer Service at (+66)2 544 0034 or email via support.th@kredivo.com.

If you encounter this problem, please contact our Customer Service at (+66)2 544 0034 or email via support.th@kredivo.com to unlink the device or to take a selfie for verifying the new device.

For more information on unlinking your device, please refer to your Kredivo app.

If you encounter this problem, please contact our Customer Service at (+66)2 544 0034 or email via support.th@kredivo.com to unlink the device or to take a selfie for verifying the new device.

For more information on unlinking your device, please refer to your Kredivo app.

If you have more than one device, you can only log in to your Kredivo account on one verified device at a time.

For example, if you have two devices—a phone and a tablet—and your phone has already been verified, you can use it to log in to your Kredivo account.

However, if you want to log in to your Kredivo account on an unverified device, such as your tablet, you must first unlink the device on your phone before logging in on the tablet.

You can unlink your previous device by downloading the Kredivo app on your new device and logging in with your Kredivo account. The system will automatically prompt you for re-verification on the new device.

- Enter the OTP code.
- Take a selfie.
Once both have been verified by the system, your new device will be automatically linked, and the previous device will be unlinked.

We suggest you to verify the new device before uninstalling the Kredivo app from your old device. For further assistance, please follow the detailed instructions in your Kredivo app or contact our Customer Service.

When you log in to the new device, you will be prompted to verify it in order to access your Kredivo account . You must complete all the required steps to successfully log in to your new device and your old device will be automatically unlinked from Kredivo account.

If your device is stolen or lost, your account will not be automatically blocked; you must contact Customer Service to protect your account.

When you attempt to log in on the new device, you will be prompted to select a verification method, either by taking a selfie or by contacting our customer service to unlink the old device.

Once you complete the verification process, your account will be automatically logged out and unlinked from the old device. After verification, you can log in to your new device as usual using your Kredivo password and OTP.

After you contact our Customer Service team to unlink the device, the verification process may take a few minutes to up to 24 hours.

You cannot log in to your Kredivo account using your new mobile number on either the old or new device because it was not your registered mobile number initially.

To unlink your old device and update your Kredivo account with your new mobile number, please contact our Customer Service team at support.th@kredivo.com or call (+66)2 544 0034. After that, you can log in to your new device using your updated mobile number.

Our Customer Service team will conduct background checks to verify that the unlink request comes from the account owner.

Alternatively, you can choose to unlink your device by verifying it with a selfie. When you use the selfie method, your old device will be automatically logged out, allowing you to log in with your new device.