About
Akulaku PayLater is an Indonesian consumer credit limit provided by PT Akulaku Finance Indonesia, which is licensed and supervised by the Financial Services Authority (OJK). Approved users spend the limit at partner e-commerce checkouts, with co-branded versions on Lazada and Tokopedia, and choose to pay within 30 days or in instalments of up to 12 months, with interest capped at 6% a month. Repayments are made by bank virtual account (BCA, BRI, Mandiri and others) or in cash at Indomaret and Alfamart stores. Akulaku Finance booked Rp7.44 trillion of new financing in 2025, with PayLater making up about 89% of its portfolio.
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