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

UBL CashPlus Personal Loan

UBL

From APR

23.0–28.0%

Amount range

Rs50k–Rs3M

Decision window

2-5 business days

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Pakistani national

Check: Salaried or self-employed

Check: Quick processing

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

Review offer

Harbor brief

Standard Chartered Personal Loan

Standard Chartered

From APR

22.0–28.0%

Amount range

Rs50k–Rs3M

Decision window

2-5 business days

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Salaried or self-employed

Check: Minimum income requirements apply

Check: No collateral required

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

Review offer

Harbor brief

MCB Personal Loan

MCB Bank

From APR

25.8–27.8%

Amount range

Rs50k–Rs2M

Decision window

3-5 business days

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Salaried (private sector, government, armed forces)

Check: Existing credit history with any bank

Check: Existing MCB Car4U customer (1+ year)

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

Review offer

Harbor brief

JS Bank CashAsaan Personal Loan

JS Bank

From APR

26.0–30.0%

Amount range

Rs60k–Rs4M

Decision window

Same day via JS Mobile

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Pakistani national

Check: Age 21-60 (salaried)

Check: Minimum salary PKR 70,000/month

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

Review offer

Harbor brief

Allied Personal Finance

Allied Bank

From APR

28.8–29.8%

Amount range

Rs30k–Rs3M

Decision window

3-5 business days

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Pakistani national aged 21-59 (salaried) or 21-64 (self-employed)

Check: Min salary PKR 25,000 (ABL clients) or PKR 35,000 (other bank)

Check: Min 6 months banking relationship

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

Review offer

Harbor brief

Bank Alfalah Personal Loan

Bank Alfalah

From APR

29.8–35.0%

Amount range

Rs50k–Rs3M

Decision window

Instant via Alfa App

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Pakistani national

Check: Age 21-60 (salaried)

Check: Minimum salary PKR 50,000/month

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

Review offer

Harbor brief

HBL Personal Loan

HBL

From APR

21.8–27.0%

Amount range

Rs50k–Rs3M

Decision window

2-5 business days

Term

12–48mo

Best next step

Open the full review before applying

Before you continue

Check: Pakistani national

Check: Salaried or self-employed

Check: No collateral or guarantor required

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

Review offer

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