KayaNow

KayaNow is a licensed lending platform registered and supervised by the Indonesian Financial Services Authority (OJK). KayaNow works only with licensed financial institutions, ensuring all credit products comply with Indonesian laws and regulations. The platform operates with transparency, providing safe and convenient lending services to users.

Transparent interest rates, clear, intelligent simulations
● Daily interest rates as low as 0.06%, with a maximum annual interest rate (APR) of 29.2% (calculated based on the number of loan days), and a transparent fee structure with no hidden fees.

● Simulation example: IDR 10,000,000 loan, 91-day term, 0.06% daily interest
● Daily interest: IDR 10,000,000 × 0.06% = IDR 6,000
● Total interest: IDR 6,000 × 91 days = IDR 546,000
● Total repayment: IDR 10,000,000 + IDR 546,000 = IDR 10,546,000
(The actual interest rate will depend on the verification results; this example only shows the calculation formula)
Key advantages for more efficient decisions
● Smart matching engine: Within 10 seconds, we recommend 3–5 of the best products from partner institutions based on your credit score and needs.
● Fast approval and disbursement: The process is completely online, requiring only an ID card and bank account. Verification is completed in as little as 5 minutes, and funds are disbursed immediately.
● Flexible tenor: Loan duration options range from 91 to 730 days, tailored to user needs.
● Wide loan range: IDR 800,000 to IDR 8,000,000, to meet different user needs.
● Transparent fees: All fees are displayed transparently, with no hidden fees.
● Bank-grade encryption: All data is processed with bank-grade encryption, ensuring the security of user privacy and funds.
Covering a variety of user needs
● Emergency funds: Help employees face unexpected expenses such as medical or educational expenses without worrying about cash flow difficulties.
● Small business support: Finance raw material purchases, rent payments, or seize short-term business opportunities to grow your business.

Download KayaNow and experience efficient and transparent loan services, so every rupiah can support your life and business!