--- title: "Akulaku: Loan & PayLater - Reviews, Revenue and Downloads in Indonesia | Apple App Store" description: "Akulaku: Online Loans, PayLater & Installments in One App Need extra funds or want to shop and pay in installments? Akulaku brings online loans, PayLater, and installment options together in one app," --- # Akulaku: Loan & PayLater — Indonesia > Cash Loan & Installments ![Akulaku App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/c9/37/05/c9370551-3356-c811-334d-3912738f87b2/AppIcon-1x_U007epad-0-1-0-sRGB-85-220-0.png/434x0w.png) **Developer:** [AKULAKU SILVRR INDONESIA, PT](https://apptail.io/developer/akulaku-silvrr-indonesia-pt-JWEv) **Category:** Shopping **Rating:** 4.5/5 (127,596 ratings) **Price:** Free **Bundle ID:** com.app.Akulaku **Store:** Apple App Store **Country:** Indonesia **Version:** 5.5.80 (released 2026-10-16) **Original Release:** 2016-06-21 **Languages:** English, Indonesian, Malay, Vietnamese **App Store Link:** [Download on Apple App Store](https://apps.apple.com/id/app/app/id1125683586) **AppTail Page:** [https://apptail.io/app/akulaku-loan-paylater-Qrek/indonesia](https://apptail.io/app/akulaku-loan-paylater-Qrek/indonesia) ## Akulaku Description Akulaku: Online Loans, PayLater & Installments in One App Need extra funds or want to shop and pay in installments? Akulaku brings online loans, PayLater, and installment options together in one app, helping you manage everyday financial and shopping needs. New users may get a chance to enjoy ultra-low or interest-free offers! Loan & Financing Information - Cash loan amount: Rp300,000 to Rp40,000,000 - Loan term: 3 to 12 months (91 to 365 days) - Minimum repayment period: 3 months - Maximum APR: 24% per year Akulaku financing services are provided by PT Akulaku Finance Indonesia, a company registered and regulated by the Indonesian Financial Services Authority (OJK), under license KEP-436/NB.11/2018. More Ways to Shop, Pay & Access Funds - Get cash from your credit limit: Access a cash loan of up to Rp40,000,000 to support your everyday financial needs. - Buy now, pay later: Get PayLater of up to Rp25,000,000 with installment terms of up to 12 months, available across platforms and merchants including Shopee, Lazada, Tokopedia, DANA, Tiket.com, Bukalapak, Blibli and Alfamart. - Flexible installments: Pay in installments for smartphones, mobile credit, data packages, movie tickets and flight tickets, as well as water and electricity bills. - Shop from 90,000+ merchants: Explore digital products, laptops, cameras, fashion, home and living, baby products and more, including leading brands such as Xiaomi, Samsung, OPPO and VIVO. - In-store installments: Enjoy installments of up to Rp20,000,000, with rates starting from 0% and tenors up to 12 months at partner stores including iBox, Digimap, Digiplus, Blibli, Erafone, Era Blue and Hartono. - Convenient payments: Use QRIS and Virtual Account (VA) for a convenient and flexible payment experience. A More Convenient Shopping Experience Enjoy a wide selection of products, daily deals and flexible payment options. - Delivery within 48 hours in Greater Jakarta - 7-day return option after receiving your order - Refunds automatically transferred to your bank account within 24 hours Loan Calculation Example For a Rp2,000,000 loan with a 3-month term and a 24% annual interest rate: Total interest: Rp2,000,000 * (24% / 12) * 3 = Rp120,000 Total repayment: Rp2,000,000 + Rp120,000 = Rp2,120,000 Monthly repayment: Rp2,120,000 / 3 = approximately Rp706,666.67 This is an example calculation. Your actual loan amount, term, interest, fees and repayment amount will be shown in the app and determined based on applicable terms and assessment results. Customer Support & Official Channels Need help? Contact Akulaku through our official channels: Customer Hotline: 1500920 (24 hours) Live Chat: Akulaku app > Account (24 hours) WhatsApp: +62 811-1912-0548 (chatbot) Website: www.akulaku.com Facebook: AkuLakuIndonesia Instagram: @akulaku_id YouTube: Akulaku Indonesia (@AkulakuIndonesia) Twitter/X: @akulakuID Company Information PT Akulaku Finance Indonesia Registered Address: Sahid Sudirman Center 11C, Jl. Jend. Sudirman No. 86, RT.10/RW.11, Karet Tengsin, Tanah Abang, South Jakarta, Jakarta Capital Special Region 10250, Indonesia Account Security Please contact us only through official Akulaku customer service channels. Akulaku will never ask for your password or One-Time Password (OTP). Never share your password, OTP or other account security information with anyone. Download Akulaku today and enjoy financial services, shopping and payments in one app. ## Akulaku Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/96/ee/ba/96eebace-4b0f-42c7-4a70-d3f527d49ea3/1.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/dc/f5/d8/dcf5d818-81aa-9ffd-f4bc-a591d676b462/2.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e8/ab/11/e8ab11c8-9f97-2a77-df27-c7ed763ab45f/3.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c7/1e/89/c71e896f-3c36-0043-23f3-1a172f18d095/4.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/2a/12/9e/2a129ed5-67ad-600d-3004-67cd5f5d0580/5.png/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cb/33/b9/cb33b912-e51f-030b-efbd-2d5c89eb9262/6.png/1242x2688.png) ## Akulaku Rating Breakdown in Indonesia - 5 stars: 103,029 (81%) - 4 stars: 6,571 (5%) - 3 stars: 3,589 (3%) - 2 stars: 3,122 (2%) - 1 stars: 11,285 (9%) ## Akulaku Reviews in Indonesia ### **--- "Saya tak pernah telat bayar" Udah bayar tiap bulan gk pernah telat eh pas mau pinjam lagi malah skor kredit gak bagus gmna sih -- Taikudam, 2024-12-29 ### ****- "Yu" Knpa pinjaman saya tidak lolos, padahal saya klo pinjam slalu lunasin sblum jatuh tempo lo..tolong di loloskan pinjaman saya oiii -- Pakwkwjwnejwkwkeeen, 2024-12-29 ### *---- "APP buruk" Tagihan nggak pernah telat tapi pas mau kredit lagi malah nggak bisa di gunain paylaternya , alasan nya kredit skor kurang bagus 🤣🤣🤣🫵 -- qqbbhhhyy, 2024-12-29 ### *---- "APK GA NIAT BIKIN EVEN" Bikin even ga jls roda putar saya sudah 299.999 kurang 1 lagi dptnya koin kebruntungan tai klo ga niat bikin even hapus aja iji apk ga usah dibuat bikin cape aja ngabisin kuota buat undang orang gblk -- pratamago, 2024-12-28 ### *---- "Kecewa" ADA LIMIT TAPI GABISA DIPAKAI NGAPAIN DIKASIH UJUNG UJUNGNYA GABISAAA KECEWA BANGET SAMA APLIKASINYA PADAHAL UDAH LAMA !!!!!! -- KECEWABANGET😫, 2024-12-28 ### ***** "Wow" Emang jos pinjamn in -- hlondong, 2024-12-28 ### ***** "eror" akulaku sangat membantu saya, disaat saya perlu uang urgent dan perlu barang, token listrik tapi tadi saya iseng mau check out ko ada tulisan "saat ini produk yang anda pilih tidak dapat menggunakan cicilan" padahal saya chat admin nya bisa cicilan bahkan saya pun bayar cicilan lancar, gada telat malahan bayar lebih awal. ini gimana ya akulaku tolong perbaiki kalo memang lagi eror🙏🏻 -- w_***, 2024-12-27 ### ****- "Masukan & Komplain" Susah sekali buat login kembali ke akun saya, pasword bener nomer hape masih sama dan aktif. tapi bagian scan wajah kehabisan waktu buat scan terus. tolong diperbaiki sistem scam wajahnya. saya takut akun saya ada pinjaman tanpa sepengetahuan saya -- Herdian Kurnia, 2024-12-26 ### *---- "DC tukang ancam" DC sok2 ngancam n penagihan dah banyak melanggar aturan! -- Biatch222, 2024-12-26 ### ***-- "Erroe" Kenapa setiap kali mau belanja pake limit selalu gagal -- Akuh135, 2024-12-26 [View all Akulaku reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Akulaku Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | Indonesia | Shopping | #4 | | Top Free | Indonesia | Overall | #65 | ## Akulaku Discovered Keywords - lazada - al - line bank - talkline - voca - oco - yipy shop - mobile wallet - amazon a to z - ioffer ## Apps Similar to Akulaku - [Tokopedia](https://apptail.io/app/tokopedia-lBZ/indonesia) - [Blibli](https://apptail.io/app/blibli-DDZ/indonesia) - [Bukalapak - Jual Beli Online](https://apptail.io/app/bukalapak-jual-beli-online-EDZ/indonesia) - [Klik Indomaret](https://apptail.io/app/klik-indomaret-RDZ/indonesia) - [Indomaret Poinku](https://apptail.io/app/indomaret-poinku-RJZ/indonesia) - [Shopee Indonesia](https://apptail.io/app/shopee-indonesia-Jrek/indonesia) - [Alfagift: Alfamart Online Shop](https://apptail.io/app/alfagift-alfamart-online-shop-Prek/indonesia) - [OLX Indonesia](https://apptail.io/app/olx-indonesia-Yrek/indonesia) - [Atome ID-Shop Smart, Earn More](https://apptail.io/app/atome-id-shop-smart-earn-more-esek/indonesia) - [Credinex - Paylater & Kredit](https://apptail.io/app/credinex-paylater-kredit-mUkl/indonesia) ## Akulaku Available In - [Indonesia](https://apptail.io/app/akulaku-loan-paylater-Qrek/indonesia) - [Brunei](https://apptail.io/app/akulaku-loan-paylater-Qrek/brunei) - [Vietnam](https://apptail.io/app/akulaku-loan-paylater-Qrek/vietnam) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends. - [Search Apps](https://apptail.io) - [Top Charts](https://apptail.io/top-iphone-apps) - [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer) *Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*