“Bunga 0%” is true only if you pay full on day 1. Miss one, you pay 2.5-3%/month → 34-42% p.a.
Simulation Rp 25M
- Pay full in 30 days: Rp 0 fee — but 68% users extend.
- Cicilan 12× @2.75%: total Rp 29.8M — extra Rp 4.8M.
- Minimum pay (Rp 800k/mo): takes 67 months, total Rp 43M — extra Rp 18M.
Rule
If you can't buy it 2× cash, you can't afford it. Use paylater only for productive (stok jualan balik 30 hari). Never for pecel, skincare, konser.
Bottom line: Paylater is tool, not income. Treat as cash — deduct instantly di budget.