• Can be used for transactions starting from IDR 10,000 up to a maximum of IDR 20 million.
• The instalment period starts from 1 month to 12 months.
• Approval of applications is relatively quick.
• Can be used for QR transactions at all merchants via the QR pay menu through the Livin' by Mandiri application
• Bill payments are made by auto debit according to the transaction due date..

• Interest rates start from 0% (1 & 3 months tenure) and start from 1.5% flat per month (3 > 3 months tenure)
• Admin fee from 0.25% per transaction
• Admin fees and interest rates are subject to change.
• Late fee charges start from 4% per month of the outstanding bill

• Indonesian Citizen
• Individual customers who have an active account at Bank Mandiri
• Minimum 21 years old and maximum 59 years old
• Have an NIK that is already e-KTP

• Livin' Paylater applications are made online through the Livin' by Mandiri app.
• Livin' Paylater applications will be notified on the Livin' by Mandiri app and registered email.

Maximum limit up to IDR 20 million.

Subject to change at any time following Livin' transaction conditions

Livin' Paylater can be used at all merchants that have QR by using the Pay QR in the Livin' by mandiri application.

Livin' Paylater uses the concept of multiple billing so that the payment due date for each transaction is 1 month from the transaction date. For example, a transaction is made on 12 July 2023 with a 3-month tenor, then the due dates are 12 August, 12 September and 12 October 2023. 3 months tenor, then the due dates are 12 August, 12 September and 12 October 2023. For transactions on 30/31, the due date will be advanced to the last date of the month.

Livin' Paylater payments are made by auto debit according to the transaction due date, you only need to ensure the availability of funds in the account.

Early repayment is currently not possible.

You will be charged a late fee of 4% of the outstanding and your Livin' Paylater account will be temporarily blocked.

If you feel that you have not made a transaction, you should immediately report the transaction via Mandiri Call 14000.

• If there are repeated unapproved transactions, first check the limit availability and status of your Livin' Paylater account through the Livin' application.
• If the limit is still available and the Livin' paylater account status is still active, report the transaction problem via Mandiri Call 14000.

Account blocking can be done through Mandiri Call 14000.

• Example of Bungan instalment with a transaction amount of Rp 2,000,000
• 
• Example of 3-month tenor calculation (nominal instalments per month)
• Amount per month =
  (transaction amount/ instalment term) + (1.5% interest on transaction amount)
  = (Rp 2,000,000/3) + (1.5% x Rp 2,000,000)
  = Rp 666,667 + Rp 30,000
  = Rp 696,667
• Total to be paid = (monthly principal instalment + monthly interest) x instalment tenor + (administration fee 1.5% of transaction amount)
  = (Rp 696,667) x 3 + (1.5% x Rp 2,000,000)
  = Rp 2,090,001 + Rp 30,000
  = Rp 2,120,001

*Fees and charges are subject to change in accordance with applicable regulations.

Mandiri Call 14000