Flexibility to fulfil your various needs
Apply online without going to the branch
Flexibility to manage your cash flow
Starting from 0,98% flat rate per month
fixed monthly payment
life insurance protection is available (optional)
Applications are submitted online.
Make your plans come true with OCBC KTA Cashloan! Low interest rates starting from 0.98%, cash funds up to Rp200 million, and simple application process and requirements. Apply now
OCBC Cashloan provides a flexible financing solution without collateralto support your financial plans, from home renovations to educationalexpenses.
Enjoy a high loan limit up to IDR 200 Million, flexiblerepayment tenors up to 36 Months, and competitives interest ratesstarting form 0,98% flat per month.
The application process is fully digital, fast and easy, allowing you to apply conveniently from your device without visiting a branch.
| No | Services | Fee |
|---|---|---|
| 1 | Disbursement Fee | IDR 25,000 |
| 2 | Stamp Duty | IDR 10,000 |
| 3 | Provision Fee | 3% of loan nominal, minimum IDR 150.000 |
| 4 | Late Payment Fee | 5% of total instalment (minimum IDR 150.000 and maximum IDR 750.000) |
| 5 | Insurance Premium (optional) | 1.50% of the nominal loan amount |
| 6 | Early Paid Off Fee | 8% of the remaining principal bill |
|
Loan Amount |
Monthly installment amount (IDR) |
||||
|---|---|---|---|---|---|
|
Tenure |
|||||
|
6 months |
12 months |
18 months |
24 months |
36 months |
|
| 10,000,000 | 1,844,667 | 1,011,333 | 733,556 | 604,667 | 465,778 |
| 15,000,000 | 2,767,000 | 1,517,000 | 1,100,333 | 907,000 | 698,667 |
| 20,000,000 | 3,689,333 | 2,022,667 | 1,467,111 | 1,209,333 | 931,556 |
| 25,000,000 | 4,611,667 | 2,528,333 | 1,833,889 | 1,511,667 | 1,164,444 |
| 30,000,000 | 5,414,000 | 2,914,000 | 2,110,667 | 1,724,000 | 1,307,333 |
| 35,000,000 | 6,316,333 | 3,399,667 | 2,462,444 | 2,011,333 | 1,525,222 |
| 40,000,000 | 7,218,667 | 3,885,333 | 2,814,222 | 2,298,667 | 1,743,111 |
| 45,000,000 | 8,121,000 | 4,371,000 | 3,166,000 | 2,586,000 | 1,961,000 |
| 50,000,000 | 9,023,333 | 4,856,667 | 3,517,778 | 2,873,333 | 2,178,889 |
| 55,000,000 | 9,925,667 | 5,342,333 | 3,869,556 | 3,160,667 | 2,396,778 |
| 60,000,000 | 10,828,000 | 5,828,000 | 4,221,333 | 3,448,000 | 2,614,667 |
| 65,000,000 | 11,730,333 | 6,313,667 | 4,573,111 | 3,735,333 | 2,832,556 |
| 70,000,000 | 12,632,667 | 6,799,333 | 4,924,889 | 4,022,667 | 3,050,444 |
| 75,000,000 | 13,535,000 | 7,285,000 | 5,276,667 | 4,310,000 | 3,268,333 |
| 80,000,000 | 14,437,333 | 7,770,667 | 5,628,444 | 4,597,333 | 3,486,222 |
| 85,000,000 | 15,339,667 | 8,256,333 | 5,980,222 | 4,884,667 | 3,704,111 |
| 90,000,000 | 16,242,000 | 8,742,000 | 6,332,000 | 5,172,000 | 3,922,000 |
| 95,000,000 | 17,144,333 | 9,227,667 | 6,683,778 | 5,459,333 | 4,139,889 |
| 100,000,000 | 17,646,667 | 9,313,333 | 6,735,556 | 5,446,667 | 4,057,778 |
| 125,000,000 | 22,058,333 | 11,641,667 | 8,419,444 | 6,808,333 | 5,072,222 |
| 150,000,000 | 26,470,000 | 13,970,000 | 10,103,333 | 8,170,000 | 6,086,667 |
| 175,000,000 | 30,881,667 | 16,298,333 | 11,787,222 | 9,531,667 | 7,101,111 |
| 200,000,000 | 35,293,333 | 18,626,667 | 13,471,111 | 10,893,333 | 8,115,556 |
* The table is only a simulation with insurance protection. The installment amount will be adjusted as recorded in OCBC system. The Interest rate that applied and recorded in OCBC system is flat annuity with fixed installments per month where the principal and interest portion can be different every month. Interest rates might change at any time based on OCBC policy.
Frequently Asked Questions about KTA Cashloan
OCBC Cashloan is an unsecured personal loan that gives you access to extra funds for various financial needs, such as education, home renovation, weddings, holidays, healthcare, and other personal expenses.
Regular Cashloan: For general customers, including employees and professionals, who do not receive their salary through an OCBC account.
Payroll Cashloan: Designed specifically for employees whose salary is paid through an OCBC account.
No. OCBC Cashloan is an unsecured loan, so you do not need to provide any assets as collateral.
You can use the funds for a variety of personal needs, including:
You can apply if you meet the following requirements:
No. You can complete the entire application process online through OCBC's website.
The application process is simple:
It's quick and easy. You only need around 15–20 minutes to complete the online application and submit it.
Data verification takes approximately 1–3 business days after all required documents have been received.
If you already have an OCBC account, the loan will be disbursed to the same account once your application has been approved.
We believe in keeping our fees transparent. The applicable fees include:
Yes. You can make an early repayment in accordance with the applicable terms and conditions. An early repayment fee may apply as stated in the product information.
Yes. Your loan will be disbursed to an OCBC account. If you don't have one yet, you will be asked to open an OCBC account to receive the loan.
Your OCBC Cashloan installments will be automatically deducted from your OCBC account on the scheduled due date.
Yes. Make sure you have sufficient funds in your OCBC account so the automatic payment can be processed smoothly.
If there are insufficient funds in your account on the due date, the automatic payment will continue to be processed when sufficient funds become available. Your outstanding installment will remain due, and applicable late payment fees may be charged in accordance with the terms and conditions.
No. Every application is subject to OCBC's credit assessment and approval criteria.
Yes. PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority (OJK) and is a participant of Indonesia Deposit Insurance Corporation (LPS). Your personal information is kept confidential and protected in accordance with applicable data protection regulations.
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