Indonesia loan comparison

Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

Coverage: Banks + fintechs
Updated: Daily
Focus: Total repayment

Start with the loan you actually need

What VeltoHaven checks first

1

Effective borrowing cost

Flat and effective rates are not the same, so we surface the real repayment context first.
2

Eligibility signals

Tenor, salary requirements, and collateral hints are summarised before you click out.
3

OJK-aware guidance

We prioritise clear language around lender type, fees, and approval timing.

Markets

Indonesia first, with nearby Southeast Asian markets available when you want to compare regional options.

Recently added

Harbor brief

Standard Chartered Personal Loan

Standard Chartered

From APR

12.5–15.0%

Amount range

Rp50k–Rp2M

Decision window

3-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Min income BDT 26,000 (payroll clients)

Check: Min income BDT 35,000 (non-payroll salaried)

Check: Min income BDT 55,000 (self-employed)

Compare fees, tenor, and lender fit before you move to the provider.

Review offer

Harbor brief

One Bank Personal Loan

One Bank

From APR

15.0%

Amount range

Rp50k–Rp2M

Decision window

3-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Salaried: min 1 year experience, 6 months with current employer

Check: Professionals: min 2 years practice

Check: Business: min 2 years in current line

Compare fees, tenor, and lender fit before you move to the provider.

Review offer

Harbor brief

Rupali Bank Shohoj Rin

Rupali Bank

From APR

9.0%

Amount range

Rp50k–Rp1M

Decision window

5-10 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Personal guarantee required

Check: Third-party guarantee for higher amounts

Check: Government or private sector employment

Compare fees, tenor, and lender fit before you move to the provider.

Review offer

Harbor brief

BRAC Bank Personal Loan

BRAC Bank

From APR

9.5–15.0%

Amount range

Rp100k–Rp2M

Decision window

3-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Salaried or self-employed

Check: No collateral required

Check: Loans up to BDT 5 lakh need no guarantor

Compare fees, tenor, and lender fit before you move to the provider.

Review offer

Harbor brief

Dutch-Bangla Bank Personal Loan

Dutch-Bangla Bank

From APR

8.1–14.0%

Amount range

Rp50k–Rp5M

Decision window

5-7 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Salaried individuals or self-employed

Check: Min age 18

Check: Max age 70 or retirement age at loan completion

Compare fees, tenor, and lender fit before you move to the provider.

Review offer

Latest from the blog

Choosing Between Rupali and Dutch-Bangla: The Best Loan for May 2026

Deciding between Rupali Bank's Shohoj Rin and Dutch-Bangla Bank's personal loan? Here's a direct comparison to help you choose the best option for your needs.