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Enjoy Lower Interest Rates for Applications Above IDR 40,000,000!
Terms and Conditions:
- Customers are required to complete and sign the application form/digital voice recorder (if applying through OCBC's sales office/branch) or complete and provide electronic approval on the digital application form (if applying through Web Onboarding or OCBC Mobile)
- This promotion is valid during the Program Period (September 19 2025 – March 31 2026)
- Personal loan interest rates start from 0.88% flat per month
- Personal loan applications will be processed within 3–7 business days after PT Bank OCBC NISP Tbk (“OCBC”) receives all complete and accurate information/documents from the customer
- OCBC has the full authority to approve or reject a customer's personal loan application. OCBC will notify the customer of any approval or rejection of a personal loan application
- Customers agree to comply with and be bound by the general terms and conditions of the Cashloan Payroll KTA product, which apply at https://www.ocbc.id/id/individu/pinjaman/kredit-tanpa-agunan/cash-loan-payroll
- For further information, please contact Tanya OCBC at 1500-999/+62-21-26506300 (from overseas) or email tanya@ocbc.id or visit the official OCBC website at www.ocbc.id
- PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia.
Installment Simulation for Special Interest Offers
| Loan Amount (IDR) | Monthly Installment (IDR) | |||
|---|---|---|---|---|
| 1 Year | 2 Years | 3 Years | 4 Years | |
| 40.000.000 | 3.805.333 | 2.138.667 | 1.583.111 | 1.305.333 |
| 50.000.000 | 4.756.667 | 2.673.333 | 1.978.889 | 1.631.667 |
| 60.000.000 | 5.708.000 | 3.208.000 | 2.374.667 | 1.958.000 |
| 70.000.000 | 6.659.333 | 3.742.667 | 2.770.444 | 2.284.333 |
| 80.000.000 | 7.610.667 | 4.277.333 | 3.166.222 | 2.610.667 |
| 90.000.000 | 8.562.000 | 4.812.000 | 3.562.000 | 2.937.000 |
| 100.000.000 | 9.213.333 | 5.046.667 | 3.657.778 | 2.963.333 |
| 110.000.000 | 10.134.667 | 5.551.333 | 4.023.556 | 3.259.667 |
| 120.000.000 | 11.056.000 | 6.056.000 | 4.389.333 | 3.556.000 |
| 130.000.000 | 11.977.333 | 6.560.667 | 4.755.111 | 3.852.333 |
| 140.000.000 | 12.898.667 | 7.065.333 | 5.120.889 | 4.148.667 |
| 150.000.000 | 13.820.000 | 7.570.000 | 5.486.667 | 4.445.000 |
| 160.000.000 | 14.741.333 | 8.074.667 | 5.852.444 | 4.741.333 |
| 170.000.000 | 15.662.667 | 8.579.333 | 6.218.222 | 5.037.667 |
| 180.000.000 | 16.584.000 | 9.084.000 | 6.584.000 | 5.334.000 |
| 190.000.000 | 17.505.333 | 9.588.667 | 6.949.778 | 5.630.333 |
| 200.000.000 | 18.426.667 | 10.093.333 | 7.315.556 | 5.926.667 |
Interest Rates & Provision Fees
| Limit | 1 Year | 2 Years | 3 Years | 4 Years | ||||
|---|---|---|---|---|---|---|---|---|
| Interest Rate | Provisi | Interest Rate | Provisi | Interest Rate | Provisi | Interest Rate | Provisi | |
| < IDR25,000,000 | 2,20% | 5,00% | 1,89% | 3,00% | 1,89% | 3,00% | 1,89% | 3,00% |
| ≥ IDR25,000,000 | 1,69% | 5,00% | 1,69% | 3,00% | 1,69% | 3,00% | 1,69% | 3,00% |
| ≥ IDR40,000,000 |
1,18% | 5,00% | 1,18% | 3,00% | 1,18% | 3,00% | 1,18% | 3,00% |
| ≥ IDR100,000,000 | 0,88% | 3,00% | 0,88% | 3,00% | 0,88% | 3,00% | 0,88% | 3,00% |
Apply for an OCBC Payroll Cashloan!
Requirements for applying for an OCBC Payroll Cashloan:
- OCBC Payroll Customer
- Indonesian Citizen
- Have an e-KTP (e-KTP) and an active email address
- Minimum age of 21 and maximum age of 55 at the time of repayment
- Reside/work in an OCBC Bank coverage area
- Have a steady income.
Required documents:
- Photo of electronic ID card (e-KTP)
- Photo of Taxpayer Identification Number (NPWP) (For applications starting from a limit of IDR 50 million)
- Selfie with e-KTP (For applications via OCBC mobile only).
