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HaloMoney.co.id has partnered with Indonesia's biggest and best banks because we want you to get the best deals in personal loans.

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HaloMoney.co.id is your go-to website for finding credit cards and personal loans in Indonesia. Use our comparison tools to get unbiased, up-to-date information on personal finance products.

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Personal Loan

Processing time for personal loan varies for each bank. On average, it takes 14 days from the application date until the loan is disbursed. However, several banks can process your loan only in 2-3 days. Other thing that affect processing time is historical credibility of debtors. If the debtors have previously taken a loan from a bank and repayed it on time, then the next time they look to borrow they may get approved faster.

First is annual fee. Banks usually charge an annual fee for the first year and the following year. For the first year, bank will charge you a certain percent of fee from the total loan value upfront, and will be deducted from your loan value. The following years, bank will charge fixed annual fee, which must paid on the 13th of the month, the 25th, and so on.

Second is administration fee. Bank will charge this fee upfront, usually deducted from the initial loan value.

Third is loan disbursement transfer fee. Banks will charge this fee upfront, usually deducted from the initial loan value.

Fourth is late payment fee. Banks will charge you if you failed to pay the instalment until deadline.

Fifth, early repayment/cancellation fee. The bank will charge a certain percentage from the total loan value that has not yet been repaid. However, some loan providers may waive this fee.

Yes, you could negotiate the interest rate charged on your loan. You need to call the bank representative to negotiate for a lower interest rate. Banks can give lower rates for credible and trusted debtors with a history of repaying loans and credit card statements on time and in full.

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We compare loans that can be paid back over terms of between 12 months and 60 months. The annual percentage rate (APR) will be charged depends on your personal circumstances

This is a representative example of what it may cost: a loan of Rp. 25,000,000 over 12 months at 17.88% p.a. nominal interest would equate to monthly repayments of Rp. 2,455,833 and the total cost of the loan that you pay back would be Rp. 30,306,500.

PT. Moneyguru Indonesia (the Company) is a statutory body established under the laws of the Republic of Indonesia and is not regulated by and/or under the supervision of Financial Services Authority ("OJK") in Indonesia but we communicate openly and cooperate on issues of financial literacy and inclusion. The company is a platform which gives financial market product information on third party providers, such as credit cards and KTA. The Company does not provide financial advice as a part of its service. For further details - please see our Terms & Conditions here. You will be able to apply for a variety of products and services via this Website. The products and services are provided by third parties. You are solely responsible for your choice of product or service. We are not accountable or to blame for any loss or harm you will suffer or incur as a result of any product or service you get when using this Website or for any acts, omissions, errors or defaults of any third party in reference to that product or service. The information contained on the website HaloMoney.co.id is constantly updated and may change from time to time without prior notice. Terms and Conditions and Privacy Policy.

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