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

National Bank of Kenya Personal Loan

National Bank of Kenya

From APR

14.0–18.0%

Amount range

Rp50k–Rp3M

Decision window

2-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: NBK account

Check: Regular salary

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

Review offer

Harbor brief

Watu Gari Car Finance

Watu Gari

From APR

20.0–36.0%

Amount range

Rp200k–Rp5M

Decision window

48 hours

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: Aged 21+

Check: Valid driving licence

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

Review offer

Harbor brief

Stanbic Affordable Housing Loan

Lender overview

From APR

8.99–12.0%

Amount range

≤Rp10

Decision window

Shown on full review

Term

≤300mo

Best next step

Open the full review before applying

Before you continue

Check: Requirements and eligibility notes are summarized on the full review page.

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

Review offer

Harbor brief

Ecobank Kenya Personal Loan

Ecobank Kenya

From APR

11.0–15.0%

Amount range

Rp20k–Rp3M

Decision window

2-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: Ecobank account

Check: Regular salary

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

Review offer

Harbor brief

KCB Car Loan

KCB Bank

From APR

14.0–19.0%

Amount range

Rp500k

Decision window

Quick processing through KCB branches

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan citizen or resident

Check: Age 18+

Check: Salaried or self-employed

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

Review offer

Harbor brief

Standard Chartered Kenya Personal Loan

Standard Chartered Kenya

From APR

12.0–15.0%

Amount range

Rp50k–Rp7M

Decision window

2-3 business days

Term

12–72mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: StanChart account

Check: Regular salary

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

Review offer

Harbor brief

DTB Car Finance

Diamond Trust Bank

From APR

13.0–17.0%

Amount range

Rp500k

Decision window

3-5 business days

Term

12–72mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: Aged 18+

Check: Regular income

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

Review offer

Harbor brief

Zenka Personal Loan: Quick Mobile Loans

Zenka

From APR

—

Amount range

Rp500–Rp30k

Decision window

Minutes

Term

1–1mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan M-PESA user

Check: Smartphone with Zenka app

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

Review offer

Harbor brief

Stanbic Bank Vehicle Loan

Stanbic Bank Kenya

From APR

13.0–18.0%

Amount range

Rp500k

Decision window

3-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan citizen or resident

Check: Regular income

Check: Comprehensive insurance

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

Review offer

Harbor brief

ABSA Bank Kenya Personal Loan

ABSA Bank Kenya

From APR

13.0–16.0%

Amount range

Rp50k–Rp5M

Decision window

2-3 business days

Term

12–72mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: Age 18+

Check: Regular salary

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

Review offer

Harbor brief

I&M Bank Car Loan

I&M Bank

From APR

14.0–18.0%

Amount range

Rp500k

Decision window

3-5 business days

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: Aged 18+

Check: Proof of income

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

Review offer

Harbor brief

KCB Bank Personal Loan

KCB Bank

From APR

15.0–18.0%

Amount range

Rp10k–Rp5M

Decision window

2-5 business days

Term

12–72mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: KCB account

Check: Regular salary

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

Review offer

Harbor brief

MOGO Car Loan Kenya

MOGO Kenya

From APR

18.0–36.0%

Amount range

Rp100k–Rp2.5M

Decision window

Fast approval, same-day disbursement possible

Term

6–48mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan citizen or resident

Check: Age 21+

Check: Valid driving licence

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

Review offer

Harbor brief

DTB Personal Loan

DTB Kenya

From APR

14.0–17.0%

Amount range

Rp50k–Rp3M

Decision window

2-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: DTB account

Check: Regular salary

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

Review offer

Harbor brief

KWFT Personal Loan for Women Entrepreneurs

KWFT Bank

From APR

18.0–22.0%

Amount range

Rp5k–Rp2M

Decision window

1-3 business days

Term

6–48mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: KWFT account

Check: Regular income

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

Review offer

Harbor brief

Tala Personal Loan

Tala

From APR

109.0–219.0%

Amount range

Rp500–Rp50k

Decision window

Minutes

Term

1–1mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan M-PESA user

Check: Smartphone with Tala app

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

Review offer

Harbor brief

NCBA Bank Personal Loan

NCBA Bank

From APR

15.0–18.0%

Amount range

Rp20k–Rp5M

Decision window

2-5 business days

Term

12–72mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: NCBA account

Check: Regular salary

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

Review offer

Harbor brief

I&M Bank Personal Loan

I&M Bank

From APR

13.0–16.0%

Amount range

Rp50k–Rp5M

Decision window

2-5 business days

Term

12–72mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: I&M account

Check: Regular salary

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

Review offer

Harbor brief

KCB M-PESA Loan

KCB M-PESA

From APR

88.0–107.0%

Amount range

Rp50–Rp150k

Decision window

Instant

Term

1–6mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan M-PESA user

Check: Active KCB M-PESA account

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

Review offer

Harbor brief

Family Bank Personal Loan

Family Bank

From APR

15.0–18.0%

Amount range

Rp10k–Rp3M

Decision window

2-5 business days

Term

12–60mo

Best next step

Open the full review before applying

Before you continue

Check: Kenyan resident

Check: Family Bank account

Check: Regular salary

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

Review offer

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Discover the truths behind common personal loan misconceptions, including true costs, eligibility, and the best options for different needs.