Akulaku serves as a comprehensive online marketplace, allowing users to acquire a diverse array of products, from electronics like gadgets and laptops to fashion and daily household necessities. A key feature of the app is its provision of flexible installment payment options, enabling users to spread the cost of their purchases over a period ranging from 3 to 12 months. This approach offers a practical way to manage expenses for various life necessities, providing a virtual credit solution for shopping directly within the platform.
Flexible Installment Purchasing
The app functions as a marketplace where users can find a broad selection of items, including cameras, household necessities, and products for mothers and babies. Users can purchase these goods and opt to pay for them in installments, with repayment periods flexibly set between 91 and 365 days. This allows for planned budgeting when acquiring essential or desired products.
Financing Details and Terms
For those utilizing the installment payment services, the app facilitates loans ranging from Rp300,000 to Rp15,000,000. The maximum Annual Percentage Rate (APR) for these financing services is 24% per year. It is important to note that these financing services are supported by PT Akulaku Finance Indonesia, which is registered with Indonesia’s Financial Services Authority (OJK) under permit number KEP-436/NB.11/2018.
Customer Support and Service Guarantees
The platform provides several service guarantees to its users. A 24-hour call center is available daily, Monday through Sunday, at 1500920 for assistance. For users in the Jabodetabek (Greater Jakarta) area, the app offers a fast delivery service, aiming to deliver goods within 48 hours. Should a return be necessary, the app supports an easy return process within 7 days of receiving the goods. Furthermore, automatic refunds are processed, with funds typically transferred to the user’s bank account within 24 hours. Users can also access support through a Live Chat feature within the Akulaku App’s [Account] page or via a WhatsApp chatbot at +62 811-1912-0548. For security, users are advised that the app will never ask for their password or verification code (OTP).
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