KrediOne (formerly 360Kredi) is an OJK-licensed online lender with limits up to Rp80 million and tenors out to 360 days. Two things trip up returning borrowers: the 36% APR ceiling is the maximum OJK allows, and first-tier limits usually sit between Rp400,000 and Rp3 million regardless of the Rp80M headline. We compared seven KrediOne alternatives that handle better rate caps, larger new-user limits, or paylater-at-merchant flexibility.
This guide is for borrowers who bumped into the KrediOne cap, want a cheaper APR, or need to spread borrowing across a second OJK lender to protect their approval score.
Quick comparison
| App | OJK status | Limit | Tenor | Rate cap |
|---|---|---|---|---|
| Kredivo | Licensed | Up to ~Rp50M | 1-24 months | 0% for 30-day pay, from 1.99%/mo installments |
| Easycash | Licensed | Up to Rp80M | 91-360 days | 24% APR cap |
| AdaKami | Licensed | Up to Rp80M | 91-365 days | 36% APR cap + 1.42% service fee |
| RupiahCepat | Licensed | Up to Rp200M | 91-510 days | 3.65% headline, tiered per tenor |
| Adapundi | Licensed | Up to Rp100M | 91-360 days | 10.8-18% per year |
| Indodana | Licensed | Up to ~Rp50M | 1-12 months | Tiered by tenor |
| Kredit Pintar | Licensed | Up to ~Rp20M | Up to 12 months | Tiered, mid-range |
Why people leave KrediOne
36% APR ceiling is the OJK maximum
KrediOne’s rate cap of 36% per year is the top of what OJK allows for productive-consumer loans. Adapundi lists an 18% annual cap and RupiahCepat quotes a 3.65% headline (subject to admin fees). If the headline rate matters most, KrediOne is not the cheapest starting point.
Headline limit lags first-time approvals
The Rp80 million limit applies after a strong repayment history. First disbursements typically fall between Rp400,000 and Rp3 million. Users chasing a higher initial ceiling tend to try parallel applications at RupiahCepat or Adapundi, both of which list larger top-end limits.
360-day tenor is standard, not the longest
KrediOne tops out at 360 days. RupiahCepat extends to 510 days, which cuts the monthly installment on a larger balance. If your goal is to lower the monthly payment rather than close the loan quickly, longer tenor helps.
Repeat borrowing from one lender flags risk scoring
Stacking short-tenor loans at the same provider tightens future approvals through the SLIK check. Spreading applications across two OJK-licensed lenders protects limit headroom on both sides.
The alternatives
Kredivo — Best for paylater at merchants plus a cash line
Kredivo combines a paylater at over 10,000 merchants (Tokopedia, Shopee, Alfamart, Erafone, Tiket.com) with a cash-loan facility. Pay-in-30 is 0% interest with no admin fee. Installment tenors run 3, 6, 9, 12, 18, and 24 months at rates from 1.99% per month. The maximum APR quoted is 41.51%, higher than KrediOne’s 36% cap at the ceiling, but the paylater path avoids a formal loan on your SLIK for small purchases.
Where it falls short: Installment APR at the ceiling exceeds KrediOne’s headline cap. Cash-loan approval is stricter than the paylater tier.
Pricing:
- Free: Account, paylater activation, pay-in-30 with 0% interest
- Paid: From 1.99%/mo for installments, 41.51% APR ceiling
- vs KrediOne: Better if you need to split a Rp2-10M purchase at a merchant; Kredivo vs KrediOne on cash loans is close on rate but Kredivo wins on merchant flexibility
Migrating from KrediOne: Independent OJK license and independent scoring. Existing KrediOne balance does not transfer.
Bottom line: Pick Kredivo when a chunk of your borrowing lands at merchants that accept paylater. Skip if you only need cash to a bank account.
Easycash — Best for a lower APR ceiling on cash loans
Easycash caps interest at 24% APR versus KrediOne’s 36% headline. Limits match KrediOne at up to Rp80 million, and tenor runs 91 to 360 days. The in-app calculator shows the exact installment before you accept, so total cost is visible upfront.
Where it falls short: First-time approvals sit at the low end of the range, similar to KrediOne. Repayment channels favor larger banks (BCA, Mandiri, BRI, BNI, CIMB) plus Alfamart and Alfamidi.
Pricing:
- Free: Account, application, credit scoring
- Paid: 24% APR cap
- vs KrediOne: Lower APR ceiling on the same limit and tenor bracket
Migrating from KrediOne: Independent OJK license. New scoring pass required.
Bottom line: The closest direct swap on limit and tenor, with a lower headline APR. Worth a parallel application if KrediOne declined.
AdaKami — Best for transparent fee breakdown
AdaKami lists limits up to Rp80 million with tenors 91 to 365 days. The cost structure is spelled out: 36% APR cap on interest plus a 1.42% service fee on principal. The pre-disbursement calculator shows every fee line before you confirm.
Where it falls short: APR ceiling equals KrediOne, and the added service fee lifts the effective cost above KrediOne on paper.
Pricing:
- Free: Account and application
- Paid: 36% APR cap + 1.42% service fee per disbursement
- vs KrediOne: Same rate ceiling but broader repayment partner network
Migrating from KrediOne: Independent scoring model, so a KrediOne decline does not carry over automatically.
Bottom line: Use AdaKami when you want the total cost visible up front and are comfortable with the service fee.
RupiahCepat — Best for the longest tenor
RupiahCepat stretches tenors to 510 days, longer than KrediOne’s 360-day maximum. Limits run up to Rp200 million on paper, well above KrediOne’s Rp80M. The headline rate is 3.65% per year at the low end, though the effective cost climbs with per-tenor admin fees.
Where it falls short: The 3.65% headline is the floor, not the typical rate. Realistic total cost lands closer to competitor rate cards after fees.
Pricing:
- Free: Registration and application
- Paid: 3.65% headline APR plus tiered admin fees
- vs KrediOne: Longer tenor cuts the monthly payment; total cost after fees is comparable
Migrating from KrediOne: Separate provider, separate scoring. Existing KrediOne balance does not roll over.
Bottom line: Right pick when you need a larger balance stretched across a longer term. Read the fee schedule before you accept.
Adapundi — Best for the lowest headline rate
Adapundi caps annual interest at 10.8 to 18 per cent and adds no management fee to the headline number. Limits go up to Rp100 million with tenors from 91 to 360 days. On rate alone this is the cheapest OJK-licensed pick in the group, and repeat-borrower pricing improves further.
Where it falls short: Approval leans on employment history, so unbanked or freelance profiles can face tighter first limits than at KrediOne.
Pricing:
- Free: Account and application
- Paid: 10.8-18% annual interest, no separate management fee
- vs KrediOne: Roughly half KrediOne’s headline rate ceiling
Migrating from KrediOne: Independent OJK license. SLIK carryover shows history but not the balance.
Bottom line: The lowest headline rate in this group. First choice if minimizing interest matters more than approval speed.
Indodana — Best for paylater installments at physical merchants
Indodana blends a cash loan with installment support at electronics chains, home stores, and travel bookings across Indonesia. Tenor bands run 1 to 12 months and rates tier by tenor. The merchant network is smaller than Kredivo but with broader offline reach into department stores and dealerships.
Where it falls short: Cash-loan limit ceiling is lower than KrediOne’s Rp80M headline. Merchant discount depth varies.
Pricing:
- Free: Account and application
- Paid: Tiered by tenor, disclosed per merchant
- vs KrediOne: Better if the plan is to installment a Rp5-30M item in-store
Migrating from KrediOne: Separate OJK license, distinct scoring. New credit line, not a transfer.
Bottom line: Best for splitting a specific offline purchase into installments. Cash-loan users get less lift here.
Kredit Pintar — Best for a smaller starter loan with quick approval
Kredit Pintar lists limits up to around Rp20 million with tenors that step to 12 months. Approval is fast and the app targets first-time online borrowers, so friction on documentation is lower than at higher-limit lenders.
Where it falls short: Ceiling is materially below KrediOne. Rate schedule tiers by tenor and repeat use, so headline cost is not the whole picture.
Pricing:
- Free: Account and application
- Paid: Tiered, mid-range for OJK peers
- vs KrediOne: Smaller ceiling, faster onboarding
Migrating from KrediOne: Separate license and scoring. Sequential application, not a transfer.
Bottom line: Best entry point for a first OJK-licensed loan. Move up to KrediOne or Adapundi once history is established.
How to choose
- Pick Adapundi if lowering total interest matters most. The 10.8-18% annual cap is the cheapest in this group.
- Pick Kredivo if a real share of your borrowing goes through Tokopedia, Shopee, or Alfamart. The paylater flow is the differentiator.
- Pick Easycash if you want a direct swap on limit and tenor with a lower APR ceiling than KrediOne.
- Pick RupiahCepat if a longer tenor cuts the monthly installment to something you can absorb without stress.
- Pick Indodana if the target purchase is an offline installment at a merchant KrediOne cannot help with.
- Pick Kredit Pintar if this is a first online loan and speed of approval matters more than ceiling.
- Stay on KrediOne if you already have a strong repayment history there and the current limit fits the need. Switching resets your scoring signal.
Split repeat borrowing across two OJK-licensed lenders where you can. Concentration on one provider tightens future approvals faster than the same volume spread across two.
FAQ
Is KrediOne safe to use?
KrediOne is registered and supervised by OJK under license KEP-22/D.05/2021 and holds ISO/IEC 27001:2022 and 27701:2019 certifications. Loan agreements, disbursement, and repayment go through OJK-supervised channels.
What is the cheapest KrediOne alternative?
Adapundi lists the lowest headline annual rate at 10.8 to 18 per cent per year, roughly half KrediOne’s 36% APR cap. Total cost still depends on tenor and repeat-use terms, so run the calculator in each app before you accept.
Can I have loans at KrediOne and another OJK lender at the same time?
Yes. OJK-licensed lenders report to the SLIK bureau, so your combined exposure is visible, but there is no formal limit on the number of active OJK loans. Spreading borrowing across two providers protects approval headroom on each.
What happens if I miss a KrediOne payment?
KrediOne reports late payments to the SLIK bureau, which affects future approvals across every OJK lender. Contact customer service before the due date if you expect to miss it; some lenders offer a short restructuring window.
Is there a KrediOne alternative for offline purchases?
Indodana and Kredivo both support installment payments at physical merchants. Kredivo covers a wider chain network including Erafone, Alfamart, and IKEA; Indodana leans into electronics and department stores.
