Akulaku-Installment Shopping 5.1.80

Akulaku functions as a comprehensive marketplace, offering a variety of services designed to facilitate everyday necessities and improve quality of life. Its key features include:

• Buy Now Pay Later options
• Installments available without a credit card
• Cash withdrawal from available credit limits
• Akulaku Pay integration for goods credit on other e-commerce platforms
• Accessibility for purchasing mobile devices, airtime, data plans, movie tickets, airfare, and utilities such as electricity and water

The Akulaku platform provides an extensive selection of products, ranging from gadgets, laptops, and cameras to fashion and household items. Many everyday essentials are available for installment payments, encouraging users to explore daily promotions through the Akulaku mobile application.

Shopping on the Akulaku app is promoted as safe, easy, and reliable. A variety of payment options are provided to enhance customer convenience.

For those seeking flexibility in financing, Akulaku allows users to pay for gadgets and cameras in installments over durations of 3, 6, 9, or 12 months with an affordable down payment requirement of up to 15%, eliminating the need for a credit card.

Additionally, users can apply for loans through Akulaku’s financial partners with the following terms:

• Loan Tenor: Options for installment payments extend beyond 91 days, with terms ranging from 3 to 12 months.
• Loan Limit: Up to Rp15 million.
• Administration Fee: Charged monthly at 1% of the loan principal.
• Interest Rate: Monthly interest charged at 0.6% of the loan principal. The maximum annual percentage rate (APR) is capped at 30%, inclusive of both monthly interest and administrative fees.

For example, if a loan of Rp2,000,000 is taken out over a term of 6 months, the monthly interest fee will be calculated at 0.6% of the principal amount. In this scenario, a monthly repayment will total Rp365,333, culminating in an overall payment of Rp2,192,000, yielding an APR of approximately 17.72%.

Akulaku emphasizes its commitment to customer service through various guarantees:

• A dedicated call center (1500920), available 24 hours a day.
• Swift delivery services within 48 hours for the Jabodetabek area (Greater Jakarta).
• An easy return policy allowing returns within 7 days of product receipt.
• An automatic refund system that processes reimbursements to bank accounts within 24 hours.

The financing services offered by Akulaku are supported by PT Akulaku Finance Indonesia, located at Sahid Sudirman Center 11C, Jl. Jend. Sudirman No. 86, South Jakarta. The company is registered with OJK under permit number KEP-436/NB.11/2018.

For customer support, assistance can be reached through multiple channels:

1. Hotline: 1500920 (available 24 hours)
2. Live Chat: Accessible within the Akulaku App [Account] Page (available 24 hours)
3. WhatsApp: +62 811-1912-0548 (Chatbot available)

Please note that Akulaku will never request your password or verification code (OTP). To maintain account security, avoid sharing this information with anyone.