{"id":1026,"date":"2025-08-11T17:00:33","date_gmt":"2025-08-11T10:00:33","guid":{"rendered":"http:\/\/34.101.166.12\/blog\/?p=1026"},"modified":"2026-10-08T08:33:51","modified_gmt":"2026-10-08T01:33:51","slug":"tabel-angsuran-pinjaman-kredivo","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/pinjol-kta\/tabel-angsuran-pinjaman-kredivo\/","title":{"rendered":"Cicilan Kredivo 2026: Simulasi &#038; Tabel Angsuran Rp1-10 Juta"},"content":{"rendered":"<p><!-- fs-anchor 2026-08-16 --><\/p>\n<div class=\"aio-answer-block\" style=\"background:#f7f8fa;padding:1rem 1.25rem;border-left:4px solid #1e6091;border-radius:0.25rem;margin:1rem 0;\">\n<p><strong>Jawaban singkat:<\/strong> Cicilan Kredivo bervariasi berdasarkan jumlah pinjaman, tenor, dan tipe akun. Untuk pinjaman Rp1 juta tenor 6 bulan dengan bunga 1.99%, cicilan bulanan sekitar Rp189.174 sudah termasuk biaya admin 6%. Akun Basic membayar bunga 4% per bulan (tenor 3 bulan saja), sedangkan Premium dan Premium Plus mendapat bunga lebih rendah mulai 1.99% hingga 2.99% dengan pilihan tenor 3-18 bulan. Pinjaman Rp5 juta tenor 6 bulan bunga 1.99% cicilan Rp945.868\/bulan, sedangkan Rp10 juta sekitar Rp1.891.735\/bulan.<\/p>\n<\/div>\n<table border='1' cellpadding='8' cellspacing='0' style='border-collapse:collapse;width:100%;max-width:600px'>\n<thead>\n<tr>\n<th>Pinjaman<\/th>\n<th>Bunga 1.99% (6 bln)<\/th>\n<th>Bunga 2.49% (6 bln)<\/th>\n<th>Bunga 2.99% (6 bln)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rp1 juta<\/td>\n<td>Rp189.174\/bln<\/td>\n<td>Rp192.379\/bln<\/td>\n<td>Rp195.609\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp3 juta<\/td>\n<td>Rp567.521\/bln<\/td>\n<td>Rp577.136\/bln<\/td>\n<td>Rp586.826\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp5 juta<\/td>\n<td>Rp945.868\/bln<\/td>\n<td>Rp961.893\/bln<\/td>\n<td>Rp978.043\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp10 juta<\/td>\n<td>Rp1.891.735\/bln<\/td>\n<td>Rp1.923.786\/bln<\/td>\n<td>Rp1.956.085\/bln<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"skor-app-cta\" style=\"background:#e8f4fb;border-left:4px solid #0674ff;padding:1rem 1.25rem;border-radius:0.25rem;margin:1rem 0;\">\n<p><strong>Sebelum ajukan pinjaman, cek dulu skor kredit kamu gratis di aplikasi Skorlife \u2014 bank pakai data yang sama.<\/strong><\/p>\n<p><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.skorlife.score&#038;utm_source=blog-cta&#038;utm_medium=aio-block&#038;utm_campaign=tabel-angsuran-pinjaman-kredivo\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">\ud83d\udcf1 Unduh di Play Store<\/a> \u00b7 <a href=\"https:\/\/apps.apple.com\/id\/app\/skorlife\/id1643472756?utm_source=blog-cta&#038;utm_medium=aio-block&#038;utm_campaign=tabel-angsuran-pinjaman-kredivo\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">\ud83c\udf4e Unduh di App Store<\/a><\/p>\n<\/div>\n<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\" style=\"border-collapse:collapse;width:100%;max-width:600px;\">\n<thead>\n<tr>\n<th>Pinjaman<\/th>\n<th>Bunga 1.99% (6 bln)<\/th>\n<th>Bunga 2.49% (6 bln)<\/th>\n<th>Bunga 2.99% (6 bln)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rp1 juta<\/td>\n<td>Rp189.174\/bln<\/td>\n<td>Rp192.379\/bln<\/td>\n<td>Rp195.609\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp3 juta<\/td>\n<td>Rp567.521\/bln<\/td>\n<td>Rp577.136\/bln<\/td>\n<td>Rp586.826\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp5 juta<\/td>\n<td>Rp945.868\/bln<\/td>\n<td>Rp961.893\/bln<\/td>\n<td>Rp978.043\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp10 juta<\/td>\n<td>Rp1.891.735\/bln<\/td>\n<td>Rp1.923.786\/bln<\/td>\n<td>Rp1.956.085\/bln<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table border='1' cellpadding='8' cellspacing='0' style='border-collapse:collapse;width:100%;'>\n<thead>\n<tr>\n<th>Pinjaman<\/th>\n<th>Bunga 1.99% (6 bln)<\/th>\n<th>Bunga 2.49% (6 bln)<\/th>\n<th>Bunga 2.99% (6 bln)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rp1 juta<\/td>\n<td>Rp189.174\/bln<\/td>\n<td>Rp192.379\/bln<\/td>\n<td>Rp195.609\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp3 juta<\/td>\n<td>Rp567.521\/bln<\/td>\n<td>Rp577.136\/bln<\/td>\n<td>Rp586.826\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp5 juta<\/td>\n<td>Rp945.868\/bln<\/td>\n<td>Rp961.893\/bln<\/td>\n<td>Rp978.043\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp10 juta<\/td>\n<td>Rp1.891.735\/bln<\/td>\n<td>Rp1.923.786\/bln<\/td>\n<td>Rp1.956.085\/bln<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"fs-lead\">Tabel angsuran Kredivo menampilkan cicilan bulanan pinjaman tunai dengan bunga flat 1.99%-4% per bulan tergantung tipe akun Basic, Premium, atau Premium Plus. Untuk pinjaman Rp1 juta tenor 6 bulan dengan bunga 1.99%, cicilan bulanan sekitar Rp189.174 sudah termasuk biaya admin 6% dari pokok pinjaman. Tenor tersedia mulai 3 hingga 18 bulan sesuai status akun, dan simulasi lengkap membantu kamu menghitung total pembayaran sebelum mengajukan pinjaman.<\/p>\n<p><span style=\"font-weight: 400;\">Cek simulasi cicilan pinjaman Kredivo lengkap dengan bunga, tenor, dan tips kelola pinjaman lebih aman pakai Skorlife<\/span><\/p>\n<table border='1' cellpadding='8' cellspacing='0' style='border-collapse:collapse;width:100%;'>\n<thead>\n<tr>\n<th>Pinjaman<\/th>\n<th>Bunga 1.99% (6 bln)<\/th>\n<th>Bunga 2.49% (6 bln)<\/th>\n<th>Bunga 2.99% (6 bln)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Rp1 juta<\/td>\n<td>Rp189.174\/bln<\/td>\n<td>Rp192.379\/bln<\/td>\n<td>Rp195.609\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp3 juta<\/td>\n<td>Rp567.521\/bln<\/td>\n<td>Rp577.136\/bln<\/td>\n<td>Rp586.826\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp5 juta<\/td>\n<td>Rp945.868\/bln<\/td>\n<td>Rp961.893\/bln<\/td>\n<td>Rp978.043\/bln<\/td>\n<\/tr>\n<tr>\n<td>Rp10 juta<\/td>\n<td>Rp1.891.735\/bln<\/td>\n<td>Rp1.923.786\/bln<\/td>\n<td>Rp1.956.085\/bln<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">Butuh pinjaman cepat tanpa ribet? Kredivo bisa jadi salah satu solusi praktis buat kamu yang butuh dana darurat atau keperluan mendesak lainnya. Tapi sebelum mengajukan, penting banget untuk tahu dulu simulasi cicilan Kredivo yang harus dibayar setiap bulannya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yuk, kita bahas lengkap mulai dari jenis pinjaman, bunga, hingga simulasi tabel angsuran Kredivo terbaru!<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/kartu-kredit\/pengertian-rumus-anuitas\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Anuitas: Pengertian, Jenis, Rumus, dan Contoh Perhitungannya<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Apa Itu Kredivo?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kredivo adalah layanan pinjaman online berbasis aplikasi yang menawarkan berbagai kemudahan untuk pengguna yang ingin membeli sekarang dan bayar nanti (PayLater) hingga layanan untuk mengajukan pinjaman tunai tanpa agunan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kamu bisa memilih jenis pinjaman sesuai kebutuhan, dengan proses pendaftaran cepat, syarat yang cukup simpel, dan pencairan yang tergolong cepat juga. Tapi seperti halnya layanan finansial lainnya, penting untuk memahami ketentuan dan simulasi angsuran Kredivo agar keuangan kamu tetap aman terkendali.<\/span><\/p>\n<figure id=\"attachment_7367\" class=\"wp-caption aligncenter\" ><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7367\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik.jpg\" alt=\"Tabel Bunga Pinjaman Kredivo \" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-caption-text\">Sumber gambar: Freepik<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Jenis, Biaya, Tenor, dan Bunga Pinjaman Kredivo<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sebelum mengajukan pinjaman tunai melalui Kredivo, penting banget untuk memahami struktur biaya dan tenor yang berlaku. Hal ini bisa bantu kamu mengelola pinjaman dengan lebih bijak dan menghindari kejutan di kemudian hari.<\/span><\/p>\n<h3><b>1. Jenis Akun Menentukan Tenor dan Bunga<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Kredivo membagi penggunanya ke dalam tiga kategori akun: <\/span><b>Basic<\/b><span style=\"font-weight: 400;\">, <\/span><b>Premium<\/b><span style=\"font-weight: 400;\">, dan <\/span><b>Premium Plus<\/b><span style=\"font-weight: 400;\">. Masing-masing punya akses tenor dan bunga yang berbeda:<\/span><\/p>\n<p><b>\u2705 Tenor Pinjaman:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Akun Basic<\/b><span style=\"font-weight: 400;\">: hanya bisa memilih tenor <\/span><b>3 bulan<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Akun Premium<\/b><span style=\"font-weight: 400;\">: bisa memilih tenor <\/span><b>3, 6, dan 9 bulan<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Akun Premium Plus<\/b><span style=\"font-weight: 400;\">: punya opsi lengkap hingga <\/span><b>12 dan 18 bulan<\/b><\/li>\n<\/ul>\n<p><b>\u2705 Bunga Pinjaman per Bulan:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Akun Basic<\/b><span style=\"font-weight: 400;\">: bunga flat <\/span><b>4% per bulan<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Akun Premium dan Premium Plus<\/b><span style=\"font-weight: 400;\">: bunga mulai dari <\/span><b>1.99%<\/b><span style=\"font-weight: 400;\">, tergantung profil risiko kamu. Umumnya berada di kisaran <\/span><b>1.99%, 2.49%, 2.60%, hingga 2.99%<\/b><span style=\"font-weight: 400;\"> per bulan.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\ud83d\udca1 Semakin baik riwayat kredit kamu, semakin rendah bunga yang bisa kamu dapatkan. Maka dari itu, penting banget untuk menjaga skor kredit tetap sehat. Kamu bisa cek dan pantau skor kredit kamu dengan mudah lewat aplikasi <\/span><a href=\"https:\/\/skorlife.com\/id\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">Skorlife<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>2. Biaya Administrasi: 6% dari Pokok Pinjaman<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Biaya ini tidak dipotong dari dana yang kamu terima, melainkan ditambahkan ke jumlah pinjaman yang harus kamu bayar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Misalnya, kamu mengajukan pinjaman Rp1.000.000:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Biaya administrasi <\/span><b>6% = Rp63.830<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maka, pokok pinjaman kamu menjadi <\/span><b>Rp1.063.830<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tapi kamu tetap menerima <\/span><b>Rp1.000.000 <\/b><span style=\"font-weight: 400;\">utuh di rekening<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Limit akun Kredivo kamu juga akan berkurang sebesar <\/span><b>Rp1.063.830<\/b><\/li>\n<\/ul>\n<h3><b>3. Dana Cair = Jumlah Pengajuan<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Salah satu keunggulan dari layanan pinjaman Kredivo adalah dana yang kamu terima di rekening sama dengan nominal pengajuan. Tidak ada potongan di muka. Tapi ingat, biaya administrasi tetap dihitung dan ditambahkan ke pokok pinjaman yang perlu kamu lunasi.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/pinjol-kta\/pengertian-biaya-provisi\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Biaya Provisi: Arti, Besaran, dan Cara Menghitungnya<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Tabel Angsuran Kredivo<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Supaya kamu bisa menghitung dan membandingkan total pembayaran sesuai jumlah pinjaman dan tenor, berikut simulasi pinjaman Kredivo berdasarkan besaran bunga dan tenor cicilan.<\/span><\/p>\n<h3><b>Tabel Simulasi Cicilan Kredivo dengan Bunga 1.99%<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Jumlah Pinjaman<\/span><\/td>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Pokok Pinjaman<\/span><\/td>\n<td colspan=\"4\"><span style=\"font-weight: 400;\">Jumlah Cicilan per Bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,060,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp367,488<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp189,174<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp129,804<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp100,172<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,120,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp734,977<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp378,347<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp259,609<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp200,343<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp3,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,180,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,102,465<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp567,521<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp389,413<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp300,515<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp4,240,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,469,953<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp756,694<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp519,218<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp400,687<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp5,300,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,837,442<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp945,868<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp649,022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp500,858<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp6,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp6,360,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,204,930<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,135,041<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp778,826<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp601,030<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp7,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp7,420,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,572,419<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,324,215<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp908,631<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp701,201<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp8,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp8,480,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,939,907<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,513,388<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,038,435<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp801,373<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp9,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp9,540,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,307,395<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,702,562<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,168,240<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp901,545<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp10,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp10,600,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,674,884<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,891,735<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,298,044<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,001,716<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3><b>Tabel Simulasi Cicilan Kredivo dengan Bunga 2.49%<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Jumlah Pinjaman<\/span><\/td>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Pokok Pinjaman<\/span><\/td>\n<td colspan=\"4\"><span style=\"font-weight: 400;\">Jumlah Cicilan per Bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,060,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp371,074<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp192,379<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp132,922<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp103,274<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,120,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp742,147<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp384,757<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp265,843<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp206,548<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp3,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,180,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,113,221<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp577,136<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp398,765<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp309,821<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp4,240,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,484,294<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp769,514<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp531,686<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp413,095<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp5,300,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,855,368<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp961,893<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp664,608<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp516,369<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp6,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp6,360,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,226,441<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,154,272<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp797,529<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp619,643<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp7,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp7,420,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,597,515<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,346,650<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp930,451<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp722,917<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp8,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp8,480,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,968,589<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,539,029<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,063,373<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp826,190<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp9,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp9,540,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,339,662<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,731,408<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,196,294<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp929,464<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp10,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp10,600,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,710,736<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,923,786<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,329,216<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,032,738<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3><b>Tabel Simulasi Cicilan Kredivo dengan Bunga 2.60%<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Jumlah Pinjaman<\/span><\/td>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Pokok Pinjaman<\/span><\/td>\n<td colspan=\"4\"><span style=\"font-weight: 400;\">Jumlah Cicilan per Bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,060,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp371,864<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp193,087<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp133,612<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp103,963<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,120,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp743,728<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp386,174<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp267,225<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp207,926<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp3,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,180,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,115,592<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp579,261<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp400,837<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp311,889<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp4,240,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,487,455<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp772,348<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp534,450<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp415,852<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp5,300,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,859,319<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp965,435<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp668,062<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp519,815<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp6,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp6,360,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,231,183<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,158,522<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp801,675<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp623,778<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp7,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp7,420,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,603,047<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,351,609<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp935,287<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp727,741<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp8,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp8,480,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,974,911<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,544,697<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,068,899<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp831,704<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp9,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp9,540,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,346,775<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,737,784<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,202,512<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp935,667<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp10,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp10,600,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,718,639<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,930,871<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,336,124<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,039,630<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3><b>Tabel Simulasi Cicilan Kredivo dengan Bunga 2.99%<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Jumlah Pinjaman<\/span><\/td>\n<td rowspan=\"2\"><span style=\"font-weight: 400;\">Pokok Pinjaman<\/span><\/td>\n<td colspan=\"4\"><span style=\"font-weight: 400;\">Jumlah Cicilan per Bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9 bulan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 bulan<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,060,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp374,670<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp195,609<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp136,076<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp106,426<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,120,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp749,340<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp391,217<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp272,153<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp212,853<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp3,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,180,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,124,010<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp586,826<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp408,229<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp319,279<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp4,240,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,498,681<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp782,434<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp544,306<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp425,705<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp5,300,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,873,351<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp978,043<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp680,382<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp532,131<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp6,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp6,360,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,248,021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,173,651<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp816,458<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp638,558<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp7,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp7,420,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,622,691<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,369,260<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp952,535<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp744,984<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp8,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp8,480,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp2,997,361<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,564,868<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,088,611<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp851,410<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp9,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp9,540,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,372,031<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,760,477<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,224,688<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp957,836<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rp10,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp10,600,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp3,746,701<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,956,085<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,360,764<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp1,064,263<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Simulasi pinjaman di Kredivo di atas adalah estimasi. Besar cicilan bisa sedikit berbeda tergantung ketentuan terbaru dari Kredivo.<\/span><\/p>\n<figure id=\"attachment_7368\" class=\"wp-caption aligncenter\" ><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7368\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik-1.jpg\" alt=\"Tabel Bunga Pinjaman Kredivo \" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik-1.jpg 800w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik-1-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Tabel-Bunga-Pinjaman-Kredivo-Freepik-1-768x384.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-caption-text\">Sumber gambar: Freepik<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Denda Telat Bayar Kredivo: Apa Konsekuensinya?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kalau kamu telat bayar, Kredivo mengenakan denda 4% &#8211; 6% per 30 hari dari total tagihan yang jatuh tempo. Selain denda, akun kamu bisa:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diblokir sementara<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menurunkan status KOL (kolektibilitas kredit)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Menyulitkan pengajuan pinjaman berikutnya<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u26a0\ufe0f <\/span><b>Penting:<\/b><span style=\"font-weight: 400;\"> Status KOL yang buruk bisa mempengaruhi peluang kamu untuk disetujui saat mengajukan pinjaman KPR, kredit kendaraan, bahkan kartu kredit.<\/span><\/p>\n<p><strong>Baca juga: <a href=\"https:\/\/skorlife.com\/blog\/investasi\/pengertian-hedging-dalam-keuangan\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Mengenal Hedging, Strategi Lindung Nilai dalam Dunia Keuangan<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Cara Lebih Aman Mengelola Pinjaman? Pakai Skorlife!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dengan memahami tabel angsuran Kredivo di atas, kamu bisa membuat keputusan lebih bijak sebelum mengajukan cicilan. Ingin cara yang lebih aman dan cerdas untuk mengelola pinjaman? Gunakan Skorlife sebagai solusi keuangan digitalmu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan Skorlife, kamu bisa mengecek riwayat kredit secara gratis agar tahu posisi kamu di mata lembaga keuangan sebelum mengajukan pinjaman. Skor yang sehat bisa meningkatkan peluang pengajuanmu disetujui. Bukan cuma itu, Skorlife juga membantu memantau kemungkinan disetujui saat mengajukan kredit, sehingga kamu bisa lebih percaya diri saat apply.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lewat fitur <\/span><a href=\"https:\/\/skorlife.com\/id\/skorpintar\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\"><span style=\"font-weight: 400;\">SkorPintar<\/span><\/a><span style=\"font-weight: 400;\">, kamu bisa melihat semua kartu kredit dari berbagai bank dalam satu dashboard praktis. Kamu bisa melacak limit, tanggal jatuh tempo, hingga menganalisis pola penggunaan, tanpa perlu buka banyak aplikasi. Skorlife juga membantu kamu merapikan keuangan lewat insight soal tagihan yang harus segera dibayar, rekomendasi budgeting, serta saran finansial yang mudah dipahami dan langsung bisa diterapkan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yuk, download Skorlife sekarang! Kelola keuanganmu dengan lebih rapi, praktis, dan aman langsung dari satu aplikasi.<\/span><\/p>\n<p><a href=\"https:\/\/skorlife.go.link\/8IqIg?utm_source=skorlife_blog&amp;utm_medium=banner&amp;utm_campaign=cta_skorlife\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7560 size-large\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-SkorPintar-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-SkorPintar-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-SkorPintar-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-SkorPintar-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-SkorPintar-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-SkorPintar-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<hr \/>\n<hr \/>\n<hr \/>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"HowTo\", \"name\": \"Cara Hitung Cicilan Kredivo\", \"step\": [{\"@type\": \"HowToStep\", \"name\": \"Tentukan jumlah pinjaman\", \"text\": \"Pilih nominal pinjaman dari Rp1 juta hingga Rp10 juta sesuai kebutuhan dan limit akun. Dana yang cair ke rekening sama dengan nominal pengajuan tanpa potongan di muka.\", \"position\": 1}, {\"@type\": \"HowToStep\", \"name\": \"Pilih tenor cicilan\", \"text\": \"Akun Basic hanya tersedia tenor 3 bulan, akun Premium bisa pilih 3-9 bulan, dan Premium Plus hingga 12-18 bulan. Tenor lebih panjang membuat cicilan bulanan lebih ringan namun total bunga lebih besar.\", \"position\": 2}, {\"@type\": \"HowToStep\", \"name\": \"Cek bunga yang berlaku\", \"text\": \"Bunga akun Basic 4% per bulan flat. Akun Premium dan Premium Plus mendapat bunga lebih rendah mulai 1.99%, 2.49%, 2.60%, hingga 2.99% per bulan tergantung profil kredit.\", \"position\": 3}, {\"@type\": \"HowToStep\", \"name\": \"Tambahkan biaya admin 6%\", \"text\": \"Biaya admin 6% dari nominal pinjaman ditambahkan ke pokok yang harus dibayar. Contoh: pinjam Rp1 juta, biaya admin Rp63.830, pokok jadi Rp1.063.830, tapi dana cair tetap Rp1 juta.\", \"position\": 4}, {\"@type\": \"HowToStep\", \"name\": \"Gunakan tabel simulasi\", \"text\": \"Lihat tabel angsuran berdasarkan kombinasi nominal (Rp1-10 juta), tenor (3-18 bulan), dan bunga (1.99%-4%) untuk mengetahui cicilan bulanan pasti sebelum mengajukan pinjaman.\", \"position\": 5}]}<\/script><\/p>\n<hr \/>\n<h2>Pertanyaan yang Sering Diajukan (FAQ)<\/h2>\n<h3>Berapa cicilan Kredivo 1 juta per bulan?<\/h3>\n<p>Cicilan Kredivo Rp1 juta bervariasi tergantung tenor dan bunga. Untuk tenor 6 bulan bunga 1.99% cicilan Rp189.174\/bulan, bunga 2.49% cicilan Rp192.379\/bulan, dan bunga 2.99% cicilan Rp195.609\/bulan sudah termasuk biaya admin 6%.<\/p>\n<h3>Apakah cicilan Kredivo ada biaya admin?<\/h3>\n<p>Ya, Kredivo mengenakan biaya admin 6% dari pokok pinjaman yang ditambahkan ke total yang harus dibayar. Misalnya pinjam Rp1 juta, biaya admin Rp63.830 sehingga total pokok menjadi Rp1.063.830, tapi dana cair tetap Rp1 juta.<\/p>\n<h3>Berapa bunga Kredivo per bulan?<\/h3>\n<p>Bunga Kredivo flat per bulan bervariasi: akun Basic 4% per bulan, sedangkan akun Premium dan Premium Plus mendapat bunga lebih rendah mulai 1.99%, 2.49%, 2.60%, hingga 2.99% per bulan tergantung profil risiko dan riwayat kredit pengguna.<\/p>\n<h3>Berapa cicilan Kredivo 5 juta?<\/h3>\n<p>Cicilan Kredivo Rp5 juta tenor 6 bulan: bunga 1.99% sekitar Rp945.868\/bulan, bunga 2.49% sekitar Rp961.893\/bulan, dan bunga 2.99% sekitar Rp978.043\/bulan. Untuk tenor 12 bulan bunga 1.99% sekitar Rp500.858\/bulan.<\/p>\n<h3>Apa denda telat bayar Kredivo?<\/h3>\n<p>Kredivo mengenakan denda 4%-6% per 30 hari dari total tagihan jatuh tempo. Keterlambatan juga dapat memblokir akun sementara, menurunkan status kolektibilitas kredit, dan mempengaruhi peluang pengajuan pinjaman atau kredit lainnya di masa depan.<\/p>\n<p><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Berapa cicilan Kredivo 1 juta per bulan?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Cicilan Kredivo Rp1 juta bervariasi tergantung tenor dan bunga. Untuk tenor 6 bulan bunga 1.99% cicilan Rp189.174\/bulan, bunga 2.49% cicilan Rp192.379\/bulan, dan bunga 2.99% cicilan Rp195.609\/bulan sudah termasuk biaya admin 6%.\"}}, {\"@type\": \"Question\", \"name\": \"Apakah cicilan Kredivo ada biaya admin?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Ya, Kredivo mengenakan biaya admin 6% dari pokok pinjaman yang ditambahkan ke total yang harus dibayar. 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Untuk tenor 12 bulan bunga 1.99% sekitar Rp500.858\/bulan.\"}}, {\"@type\": \"Question\", \"name\": \"Apa denda telat bayar Kredivo?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Kredivo mengenakan denda 4%-6% per 30 hari dari total tagihan jatuh tempo. Keterlambatan juga dapat memblokir akun sementara, menurunkan status kolektibilitas kredit, dan mempengaruhi peluang pengajuan pinjaman atau kredit lainnya di masa depan.\"}}]}<\/script><\/p>\n<p>Untuk rujukan resmi dan informasi terbaru, kamu bisa cek langsung situs <a href=\"https:\/\/www.ojk.go.id\/\" rel=\"noopener external noreferrer\" target=\"_blank\" data-wpel-link=\"external\">Otoritas Jasa Keuangan<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jawaban singkat: Cicilan Kredivo bervariasi berdasarkan jumlah pinjaman, tenor, dan tipe akun. Untuk pinjaman Rp1 juta tenor 6 bulan dengan<\/p>\n","protected":false},"author":27,"featured_media":1079,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[12],"tags":[38],"class_list":["post-1026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pinjol-kta","tag-kredit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cicilan Kredivo 2026: Simulasi &amp; Tabel Angsuran Rp1-10 Juta<\/title>\n<meta name=\"description\" content=\"Cicilan Kredivo mulai Rp189rb\/bulan untuk pinjaman Rp1 juta tenor 6 bulan. 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