Akulaku: Cara Ajukan Cicilan, Syarat, hingga Limit Pinjaman Halaman

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Sehingga bisa dikatakan, Akulaku adalah e-commerce yang sekaligus memberikan layanan pembayaran secara cicilan untuk transaksinya melalui fitur Akulaku Pay.

Melalui Akulaku, Anda bisa melakukan transaksi belanja secara mencicil tanpa perlu menggunakan kartu kredit.

Fitur pembayaran dengan menggunakan Akulaku Pay tak hanya bisa digunakan di aplikasi e-commerce Akulaku saja, tetapi juga di e-commerce lainnya seperti Shopee, Bukalapak, Blibli, dan JD.ID.

Tenor pembayaran tagihan Akulaku pun cukup beragam, yakni mulai dari 1 bulan, 2 bulan, 3 bulan, 6 bulan, 9 bulan, hingga 12 bulan.

Cara Ajukan Cicilan Akulaku

Untuk bisa menggunakan fitur dan mengajukan cicilan Akulaku Pay, Anda harus terlebih dahulu mendaftar akun di aplikasi atau website Akulaku.

Dengan demikian, cara ajukan cicilan Akulaku Pay adalah sebagai berikut:

  1. Download Akulaku di Google PlayStore untuk Android dan di AppStore untuk pengguna iOS
  2. Daftar menjadi pengguna dengan mengisi nomor ponsel dan memasukkan 5 digit kode verikasi yang dikirimkan lewat SMS
  3. Ajukan limit kredit dengan memasukkan informasi pribadi seperti nama lengkap sesuai KTP, email, dan informasi keluarga, ajukan limit kredit.
  4. Setelah limit kredit disetujui, Anda akan mendapatkan notifikasi lewat SMS.
  5. Layanan Akulaku Pay Anda sudah bisa digunakan.

Bila Anda melakukan aplikasi e-commerce lain, maka langkahnya sebagai berikut:

  • Pada saat check out transaksi dan memilih metode pembayaran, pilih Akulaku
  • Setelah konfirmasi pembayaran, Anda akan masuk ke halaman login Akulaku Pay
  • Ajukan pendaftaran dengan klik ‘Daftar’

Syarat Mengajukan Kredit Akulaku

Untuk mengajukan kredit lewat Akulaku, ada beberapa syarat yang telah ditentukan. Beberapa syarat tersebut yakni:

  1. Pemohon harus memiliki E-KTP
  2. Berumur minimal 23 tahun
  3. Tinggal di wilayah seperti Jabodetabek, Jawa Barat, JawaTengah, Jawa Timur dan DIY Yogyakarta.
  4. Melaporkan data slip gaji 3 bulan terakhir sesuai permintaan Akulaku
  5. Sedangkan untuk pengusaha harus memberikan fotokopi Nomor Pokok Wajib Pajak (NPWP) atau daftar rekening koran.

Limit Kredit Akulaku

Untuk bisa mendapatkan limit kredit Akulaku, Anda harus mengajukan terlebih dahulu. Untuk itu, Anda perlu menyiapkan KTP.

KTP tidak dapat diganti dengan kartu identitas lain seperti SIM.

Berikut adalah cara mengajukan limit kredit Akulaku:

  1. Buka “AkuCicil” pada menu Financial/Keuangan, klik “Pengajuan Limit Kredit”
  2. Isi semua informasi pribadi
  3. Isi informasi kontak darurat dengan benar
  4. Isi informasi pekerjaan
  5. Anda akan mendapatkan limit virtual, tapi Anda harus upload data lainnya agar bisa mendapatkan limit kredit yang sebenarnya
  6. Upload foto KTP dan foto diri dengan memegang KTP, lalu masukkan NIK Anda
  7. Lengkapi foto yang dibutuhkan dan pastikan data yang diberikan jelas dan benar
  8. Selesaikan otorisasi akun Facebook atau BPJSTKU. Anda juga bisa memilih untuk melewati langkah halaman ini
  9. Kirimkan semua data yang diperlukan dan tunggu hasil verifikasi
  10. Kirimkan semua data yang diperlukan dan tunggu hasil verifikasi lolos.

Di Akulaku, besaran limit kredit yang diberikan hingga Rp 15 juta dengan tenor variatif, yakni mulai 1 bulan hingga 12 bulan. Plafon pinjaman juga mengikuti skor kredit, semakin baik skor kredit yang dimiliki maka semakin tinggi plafon yang dapat diberikan.

Perlu diketahui, bunga yang ditetapkan oleh Akulaku cukup besar, dan dibebankan secara harian. Meski tak dipublikasikan pada laman resmi, Anda akan mendapatkan informasi bunga Akulaku ketika melakukan transaksi.

Sehingga, pastikan Anda bisa membayar tagihan pada tanggal jatuh tempo dan mengukur kemampuan Anda sebelum menggunakan fasilitas cicilan Akulaku.

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Respon (5)

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