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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.
Several banks requires you to enclose a credit card bill copy regardless of the loan value you ask. Yet there are also banks that do not require you to enclose credit card bill copy until a certain loan value limit. Check the requirements at HaloMoney's personal loan comparison page!

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.

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