Akulaku: Loan & PayLater

Name: Akulaku: Loan & PayLater
Author: PT. Akulaku Silvrr Indonesia

5.5.90

Verified

PT. Akulaku Silvrr Indonesia

4.59100M+ installs

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Online loans, PayLater, installments & cash loans in one app.

Akulaku: Indonesian cash loans, PayLater and installments

By Priya Raghavan

Senior reviews editor

Cash loans from Rp300,000 up to Rp40,000,000
PayLater on Shopee, Lazada, Tokopedia and other platforms
In-store installments from 0% at partner stores
Installments for phone credit, data, tickets and utility bills
QRIS and Virtual Account payment options
Worked loan example showing total interest and monthly repayment

What Akulaku offers and who it is for

If you are deciding between borrowing a small sum and spreading the cost of a purchase over several months, Akulaku brings cash loans, PayLater and installment shopping into one app. The developer, PT. Akulaku Silvrr Indonesia, says the lending is provided by PT Akulaku Finance Indonesia, which is registered and regulated by the Indonesian Financial Services Authority (OJK) under licence KEP-436/NB.11/2018.

The merchants, payment methods, support hours and Jakarta office address in the listing all point to Indonesia. The people it describes are those who want to borrow or buy on a repayment plan. The listing also says new users may be offered ultra-low or interest-free terms.

Cash loans and how repayment is set up

Cash loans run from Rp300,000 to Rp40,000,000. The listing gives a loan term of 3 to 12 months, or 91 to 365 days, with a minimum repayment period of 3 months and a maximum APR of 24% per year. It also says a cash loan of up to Rp40,000,000 can be taken from your credit limit.

The listing includes a worked example. On a Rp2,000,000 loan over 3 months at 24% a year, interest is Rp120,000 (Rp2,000,000 × 24% ÷ 12 × 3), the total repayable is Rp2,120,000, and the monthly repayment is shown as approximately Rp706,666.67. The developer states this is only an illustration. The real amount, term, interest, fees and repayments appear in the app and depend on the applicable terms and an assessment of the applicant.

PayLater and shopping on partner platforms

PayLater lets you buy now and pay later, with a limit of up to Rp25,000,000 and installment terms of up to 12 months. The listing says it works across Shopee, Lazada, Tokopedia, DANA, Tiket.com, Bukalapak, Blibli and Alfamart. Within Akulaku itself, the listing describes a catalogue of more than 90,000 merchants, covering digital products, laptops, cameras, fashion, home and living, and baby products, with brands such as Xiaomi, Samsung, OPPO and VIVO among them.

Purchases made through the app come with delivery and return terms set out in the listing. Delivery is promised within 48 hours in Greater Jakarta. Returns are accepted within 7 days of receiving an order, and refunds are said to reach your bank account within 24 hours. The listing also mentions daily deals.

In-store installments, bills and top-ups

In-store installments allow purchases of up to Rp20,000,000 at partner stores, with rates starting from 0% and terms up to 12 months. The stores named are iBox, Digimap, Digiplus, Blibli, Erafone, Era Blue and Hartono. This is the route for paying for a phone or electronics in a shop rather than online.

Separately, the listing describes installments for smartphones, mobile credit, data packages, movie tickets and flight tickets, as well as water and electricity bills. That makes the app usable for recurring household costs as well as larger one-off purchases.

Paying and getting help

Payments can be made by QRIS or by Virtual Account (VA), which the listing presents as the convenient payment methods within the app. Those are the only payment methods the listing names.

Support is listed as a customer hotline on 1500920, open 24 hours, and a live chat inside the app under the Account section, also 24 hours. A WhatsApp chatbot is listed as well. The company's website is www.akulaku.com, and it also runs Facebook, Instagram, YouTube and X accounts. The listing states that Akulaku will never ask for your password or one-time password (OTP), and asks users to contact only the official channels and to keep account security details private.

What's new

Oct 29, 2026

1. Known bug fixed and user experience improved.

About this APK

The build we hold is Akulaku: Loan & PayLater 5.5.90 (APKS split bundle) for Android 5.0 and up.

Version: 5.5.90; 5590
Requires Android: 5.0+
Size: 65 MB
Target Android: 16

Package ID: io.silvrr.installment
Format: APKS split bundle
Malware scan: Clean on 65 engines
Permissions: 39 declared · 11 sensitive; Approximate location
Camera
Find nearby Wi-Fi devices
Microphone
Modify files on your device
Modify system settings
Modify your calendar
Precise location
Certificate SHA-256: 23d0ab9e7c753550eb1bbb1bdb290c22e113b8255ed8f76310c30852c58a0b53