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Get The Best Personal Loan Interest Rates for 2019 Now!

Get the best personal loan interest rates in Indonesia on DuitPintar.com. Compare all the latest personal loan interest rates and apply instantly online.

Unsecured Loan Rates

Updated As Of December 2019
Rp.
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17.88%Interest Rate
12 monthsLoan Tenure
IDR 982,333Per Month
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17.88%Interest Rate
12 monthsLoan Tenure
IDR 982,333Per Month
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36%Interest Rate
12 monthsLoan Tenure
IDR 1,133,333Per Month
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11.4%Interest Rate
12 monthsLoan Tenure
IDR 928,333Per Month
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17.52%Interest Rate
12 monthsLoan Tenure
IDR 979,333Per Month
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17.52%Interest Rate
12 monthsLoan Tenure
IDR 979,333Per Month
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17.88%Interest Rate
12 monthsLoan Tenure
IDR 982,333Per Month
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19.08%Interest Rate
12 monthsLoan Tenure
IDR 992,333Per Month
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19.08%Interest Rate
12 monthsLoan Tenure
IDR 992,333Per Month
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Unsecured Loan Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions

What is Kredit Tanpa Agunan (KTA) or unsecured personal loans?

Kredit Tanpa Agunan (KTA) or otherwise known as unsecured personal loans, is a financial product that enables you to borrow money without the need for any collateral.

What are the benefits of KTA?

Borrowers are able to use the funds for any type of purposes/needs, such as education, weddings, medical treatments, vacation trips, household goods, renovation, etc.

How much are the interest rates for KTA?

It differs from bank to bank. But the average monthly flat interest rate is between 0.99% to 1.99%. For further details, please refer to the respective banks' KTA product information page or contact our Customer Service team via email or phone.

How long is the tenor for KTA ?

The usual tenor periods of the KTA is usually 12 months, 24 months and 36 months.

If I'm an employee, what are the requirements and documents needed to apply for a KTA?

  • 1 photocopy of your KTP
  • 1 photocopy of your NPWP
  • 1 photocopy of your savings book that shows name, branch and account number
  • Some banks require having a credit card for at least 1 year. If this is not able to be fulfilled, an original copy of your carbonized salary slip will be accepted as a substitute
  • 1 photocopy of your credit card (if available)
  • Some banks require a Rp 6.000 stamp

If I'm a business owner or entrepreneur, what are the requirements and documents needed to apply for a KTA?

  • 1 photocopy of your KTP
  • 1 photocopy of your NPWP
  • 1 photocopy of your savings book that shows name, branch and account number
  • Some banks require having a credit card for at least 1 year. If this is not able to be fulfilled, an original copy of your carbonized salary slip will be accepted as a substitute
  • 1 photocopy of your credit card (if available)
  • Some banks require a Rp 6.000 stamp
  • faq-kta-answer-5-7
  • faq-kta-answer-5-8

What is the maximum amount that I can borrow with a KTA?

In general, you can borrow up to Rp 250-300 million. But this would depend on the bank and also on your credit profile. For further details, please refer to the respective banks' KTA product information page or contact our Customer Service team via email or phone.

Does my income/salary affect the amount that I can borrow with a KTA?

Yes. Banks usually allow succesful applicants to borrow up to 4 or 5 times the borrower's monthly income/salary or the credit card limit. In addition, banks will approve a loan amount if the monthly installment is at most 60% of the monthly income/salary.

If I'm an employee, what are the minimum requirements for income/salary?

In general, the minimum income/salary is Rp 3 million. However, there are some banks that will accept a minimum income/salary of Rp 2,1 million if an original carbonized salary slip can be provided by the applicant.

If I'm a business owner or entrepreneur, what are the minimum requirements for income/salary?

This will depend on each bank. For further details, please refer to the respective banks' KTA product information page or contact our Customer Service team via email or phone.

If I already have a credit card, what is the minimum limit required?

Usually banks require a minimum credit limit of Rp 5 million.

Is there a minimum or maximum age limits to apply for a KTA?

The minimum age is 21 years for both employees and business owners. The maximum age is 55 years (at the point when loan is fully repaid) for employees; for business owners the maximum age is 60 years (at the point when loan is fully repaid).

How long is the overall process from application submission to fund disbursement?

Usually the minimum period needed is 5 working days and a maximum of 14 working days (if all the requirements are met and data verification is not delayed).

Is a survey needed when applying for a KTA?

A survey is only needed if the borrower is a business owner, whereby the bank representative will inspect your place of business. This is not required if the borrower is an employee.

Aside from the interest rates, are there any other relevant fees involved in a KTA?

Generally there are provision fees, transfer fees, stampo fees and admin fees, but these will differ from bank to bank. For further details, please refer to the respective banks' KTA product information page or contact our Customer Service team via email or phone.

What is the coverage area for applications?

Generally, applicants can apply from any parts of the country. However, there are some banks that might only approve applicants from the JABODETABEK (Jakarta, Bogor, Depok, Tangerang, dan Bekasi) area. For further details, please refer to the respective banks' KTA product information page or contact our Customer Service team via email or phone.

Can foreigners apply for KTA?

Some banks accept applications from non-citizens. For further details, please refer to the respective banks' KTA product information page or contact our Customer Service team via email or phone.

Satisfied DuitPintar.com customers agree!

I was desperate for a loan, but had no asset to secure one. Not to mention, I had to go through all the KTA products in the market, in order to get the best one for my finance and needs. That was when DuitPintar.com came along to save me. I found the KTA product that suited me the most, instantly. Thank you DuitPintar.com!

Jimmy
IT consultant

There's nothing wrong in getting loans, long as they can function in improving your finance. That's what I believe. So, when I needed to get an instant loan without any hassles, KTA was ultimately my choice. Even better, I just had to click on DuitPintar.com and could already apply for one, right there and then!

Timothy Kua
Manager

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