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Enjoy Lower Interest Rates for Applications Above IDR 40,000,000! - KTA Cashloan Payroll

19 Sep 2025 - 18 Dec 2025

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Enjoy Lower Interest Rates for Applications Above IDR 40,000,000!

Terms and Conditions:

  • Period: September 22 2025 - December 21 2025
  • Personal Loan interest rates start from 0.88% with a minimum application of IDR 40,000,000
  • Personal Loan applications will be processed within 3-7 business days after the Bank has received all complete and accurate information from the customer
  • The Bank has full authority to approve or reject the customer's Personal Loan application
  • Loan repayment will be made in monthly installments at the amount determined by the Bank
  • If the customer makes a payment past the due date, the customer is required to pay a late fee in the amount determined and notified by the Bank
  • If the customer wishes to repay the loan before the end of the credit agreement, the customer will be charged a fee in accordance with the Bank's provisions. Fees will be further informed to customers, taking into account applicable laws and regulations
  • This promotion is provided based on data held by the Bank, and the Bank's decision is final and binding
  • By participating in this promotion, customers are deemed to understand and agree to all applicable terms and conditions.

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).

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PT Bank OCBC NISP Tbk is licensed and supervised by the Indonesian Financial Services Authority & Bank Indonesia, and is a guaranteed member of Indonesia Deposit Insurance Corporation (LPS). The maximum deposit value guaranteed by LPS per customer per bank is IDR 2 billion. To check the LPS Guarantee Interest Rate, click here.