UKredit

UKredit is a loan matching tool for users in Indonesia. We collaborate with financial institutions registered and supervised by the Financial Services Authority (OJK) to tailor loan products to meet your funding needs for emergencies and daily expenses.
How to Use
1. Fill in basic personal information for identity verification; all applications are done online without physical documents.
2. The application displays loan products that match your criteria; you can view details before submitting your application.
3. The review results are determined by the financial partner. If approved, funds will be transferred to your bank account.
Loan Terms
Loan limit: IDR 2,000,000 – IDR 10,000,000
Repayment term: 91 days to 365 days
Compounded annual interest rate: 18.25% - 29.2%
All interest and service fees are clearly listed on the application page, with no hidden fees.
Example Calculation
Loan of IDR 5,000,000 for 91 days, daily interest 0.06% (APR 21.9%). Total interest is IDR 273,000, total payment is IDR 5,273,000. The final fee is based on the information on the product page.
User Requirements
Only Indonesian citizens with a valid ID card, at least 20 years old, and a steady income can use this service, including employees, traders, and freelancers.
Privacy & Compliance Policy
1. User personal data is used only for eligibility verification and product matching. Data is stored and transmitted encrypted in accordance with Law No. 27 of 2022 concerning Personal Data Protection and will not be shared with third parties without the user's permission.
2. UKredit acts solely as an information intermediary and does not directly provide loans or sign loan agreements. All loan services are provided by partners officially licensed by the Financial Services Authority (OJK).
Warning
Apply for loans according to your personal income and repay them on time to avoid additional fees and impact on your credit history.