Kredit Pintar
- Company typePrivate
- Founded2018
- HeadquartersJakarta, Indonesia
- Headcount101–250
- GTM typeB2C
- OfferingServices
Kredit Pintar firmographics
Firmographics- Name
- Kredit Pintar
- Legal name
- PT Kredit Pintar Indonesia
- Website
- https://kreditpintar.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Kredit Pintar industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industry
- Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
Keywords
Where Kredit Pintar is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices3 records
Markets served
Kredit Pintar business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Interest Income on Loans: Kredit Pintar generates revenue by charging interest on the loans disbursed to borrowers. As an LPBBTI (fintech peer-to-peer lending platform registered under POJK 10), the company facilitates loans between lenders and borrowers, earning interest spread and/or service fees from the financing transactions. Interest rates are described as 'low' (bunga rendah) on the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Small loans from Rp 600,000 to Rp 2.3 million with short tenors |
| Unit Pricing | Monthly | Mid-range loans from Rp 6 million to Rp 12 million with extended tenors |
| Unit Pricing | Monthly | Premium loans up to Rp 50 million for high-credit-score borrowers |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Kredit Pintar product offering
Product offeringCore offering
Kredit Pintar operates an AI-powered mobile lending platform that provides instant, collateral-free cash loans to Indonesian consumers and micro-businesses in amounts ranging from Rp 600,000 to Rp 50,000,000 with tenors of 2, 3, 6, or 12 months. Loan applications, eKYC, credit decisioning, and disbursement are completed end-to-end inside the Kredit Pintar mobile app using only a KTP, with funds disbursed within 1x24 hours of approval. The proprietary Skor Pintar credit scoring system rewards on-time repayment with higher limits, vouchers, and access to concurrent loans.
Product overview
Kredit Pintar operates as a single-product fintech platform offering instant unsecured cash loans through its mobile application. The core product is the Kredit Pintar Mobile Application, which enables borrowers to obtain loans from Rp 600,000 to Rp 50 million with tenures of 2-12 months using only KTP verification. The ecosystem includes Skor Pintar (Pintar Score), a credit scoring sub-product that rewards timely repayments with higher limits and benefits. All loans are processed through AI-powered automated underwriting with disbursement within 24 hours, and repayments are made via integrated payment channels including major Indonesian banks (BCA, Mandiri, BNI, BRI) and Alfa Group retail outlets.
Differentiator
Problem solved
Functional benefit
Products and services
- Kredit Pintar Mobile Application (Instant Online Cash Loan) Mobile application that enables Indonesian consumers and micro-business owners to apply for and receive instant, collateral-free cash loans of Rp 600,000 to Rp 50,000,000 with 2, 3, 6, or 12 month tenors using only a KTP, with AI-powered underwriting and disbursement within 1x24 hours.
- Skor Pintar (Pintar Score) Proprietary credit scoring system that rewards timely loan repayments with a higher Skor Pintar score, unlocking larger loan limits (up to Rp 50 million), the ability to hold multiple concurrent loans, exclusive vouchers, and other benefits.
- Pinjaman Cicilan (Installment Loans) Unsecured installment loan product offered through the Kredit Pintar app, with principal amounts from Rp 600,000 to Rp 50,000,000, flexible tenors of 2, 3, 6, or 12 months, low interest rates, and monthly installment billing.
Quantifiable outcome
- 100% TKB90 loan repayment success rate and 0% non-performing loan (Macet) rate as of latest reporting
- +3 more outcomes
Companies that use Kredit Pintar
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Kredit Pintar technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability5 records
Feature5 records
Kredit Pintar partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- CBI SME BureauminorKredit Pintar and CBI SME Bureau collaborated with Sahabat UMKM to conduct a 'One Day Training: Kiat Sukses Mendapatkan Modal Usaha' program, aiming to strengthen financial literacy and SME access to business capital in Indonesia.
- PolimediaminorKredit Pintar partnered with Polimedia to drive financial literacy through the KOMA program, aimed at preventing poverty caused by impulsive and consumptive financial behavior among participants.
- UMKM (Micro, Small and Medium Enterprises) CommunityminorKredit Pintar signed a cooperation agreement with the UMKM community at Finexpo 2025 to expand financial literacy and inclusion. The partnership focuses on providing financial education and SME-friendly loan products.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Kredit Pintar competitors and assessment
Company assessmentDirect peers
- Akulaku: Akulaku is an Indonesian consumer finance and BNPL platform offering credit and installment payments. Competitor in the broader Indonesian consumer credit category, with overlapping target customers in underbanked segments.
- Julo: Julo is a leading Indonesian digital lending app offering unsecured consumer cash loans via mobile, with AI-based credit scoring. It competes head-to-head with Kredit Pintar in the same product category, customer base (underbanked Indonesians), and distribution (app store).
- Tunaiku: Tunaiku is a digital lending platform from Bank BTPN offering unsecured cash loans via mobile app. Direct competitor in the Indonesian digital consumer lending space, with bank-balance-sheet funding giving it a capital cost edge.
- Investree: Investree is an OJK-registered Indonesian P2P lending platform providing business and consumer loans. Direct competitor in the LPBBTI-regulated P2P lending space, with similar technology and product offerings.
- Modalku: Modalku (Funding Societies) is an OJK-registered P2P lending platform focused on SME financing in Indonesia. It competes in the same marketplace lending category as Kredit Pintar, with overlapping SME and consumer lending products.
- Amartha: Amartha is an OJK-registered Indonesian P2P lending fintech focused on micro and small enterprises, particularly women borrowers in rural areas. Comparable in regulatory category and P2P lending model, with a different segment focus (microfinance).
- KoinWorks: KoinWorks is one of Indonesia's largest OJK-registered P2P lending platforms, offering personal and SME loans. Direct competitor to Kredit Pintar in Indonesian P2P lending, with overlapping products and target segments.
- Danamas: Danamas is an OJK-registered Indonesian P2P lending platform focused on small and medium enterprises. Comparable in regulatory category, technology model, and P2P marketplace structure to Kredit Pintar.
- Pinjam Modal: Pinjam Modal is an Indonesian fintech lending platform offering online cash loans to consumers and small businesses. Direct competitor in OJK-regulated P2P lending with similar product offering and target market.
Others
- Advance Intelligence Group: Advance Intelligence Group is the parent of Neuroncredit (Kredit Pintar's shareholder) and a regional AI/fintech company. Thematically related as the corporate parent and technology provider, with operations across Southeast Asia in credit, fraud, and enterprise AI.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Kredit Pintar social profiles
Digital presenceKredit Pintar financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kredit Pintar leadership team
Management profileNumber of profiles
Profiles3 records
Kredit Pintar funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kredit Pintar M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kredit Pintar
What does Kredit Pintar do?
Kredit Pintar operates an AI-powered mobile lending platform that provides instant, collateral-free cash loans to Indonesian consumers and micro-businesses in amounts ranging from Rp 600,000 to Rp 50,000,000 with tenors of 2, 3, 6, or 12 months. Loan applications, eKYC, credit decisioning, and disbursement are completed end-to-end inside the Kredit Pintar mobile app using only a KTP, with funds disbursed within 1x24 hours of approval. The proprietary Skor Pintar credit scoring system rewards on-time repayment with higher limits, vouchers, and access to concurrent loans.
Is Kredit Pintar a public or private company?
Kredit Pintar is a private company. It is classified as corporate owned and is currently operating.
When was Kredit Pintar founded?
Kredit Pintar was founded in 2018. It employs 101 to 250 people.
Where is Kredit Pintar based?
Kredit Pintar is headquartered in Jakarta, Indonesia, in the Asia region.
How does Kredit Pintar make money?
One revenue line is on record: interest Income on Loans.
Who are Kredit Pintar's main competitors?
Direct peers on record are Akulaku, Julo, Tunaiku, Investree, Modalku, Amartha, KoinWorks, Danamas and Pinjam Modal. Advance Intelligence Group is listed as an others.
Does Kredit Pintar have an API?
No public API is recorded for Kredit Pintar.
What industry is Kredit Pintar in?
Kredit Pintar's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAJAJ, Payment Processing for Collections (Lockbox, ACH, Card, IVR). Its NAICS code is 5222 and its SIC code is 6141.