What is the interest rate range charged to Paylater Indonesia users?
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Research by the Katadata Insight Center (KIC) in collaboration with Kredivo reveals a growing awareness among users regarding PayLater interest rates year over year.
In 2024, 86.7% of PayLater users surveyed were aware of the applicable interest charges. This proportion increased from 85.1% in 2023.
Of those aware of the interest, the majority (73.4%) reported interest rates of 3% or less.
The breakdown is as follows: 4.7% reported no interest (0%), 17.3% reported interest between 0.01% and 1%, 23.8% reported interest between 1.01% and 2%, and 27.6% reported interest between 2.01% and 3%.
Interest rates above 3% were relatively low. Specifically, 2.7% of respondents reported interest rates between 3.01% and 4%, while 23.9% reported interest rates above 4%.
The survey on PayLater interest rates, conducted by KIC and Kredivo, targeted 4,506 online respondents between March 10 and April 7, 2024.
The full Kredivo and KIC research report can be downloaded here.
(See also: West Java, the Province with the Most Online PayLater Users in 2024)
"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."
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