Everyday money
Apply for bank loans and credit cards in Indonesia
Understand bank-loan and credit-card applications, OJK SLIK records, total borrowing cost and safe comparisons.
English edition. Official forms and source documents may be in Indonesian.
Before applying for a loan or credit card, assess repayments against net income, request your own OJK SLIK iDeb report and obtain written terms. Banks assess identity, income, payment history and internal risk; SLIK is neither a blacklist nor an approval guarantee.
See 2 official references ↓Open the official service ↗idebku.ojk.go.id
Guide contents
What to prepare
- KTP-el, income evidence and bank statements or business documents according to product.
- Existing debts, essential expenses and a clear borrowing purpose.
Steps you can follow
Calculate affordable repayments
List net income, essentials, emergency savings and current repayments before choosing a loan size.
Check your iDeb
Request your own borrower report through OJK iDebKu and seek corrections from the reporting institution.
Compare written offers
Ask for the effective rate, total repayments, origination and admin charges, insurance, penalties and early-repayment cost.
Apply through the bank
Apply through the bank’s official app or branch; read the contract and keep the repayment schedule.
Costs and timing
There is no universal rate or fee. A published base lending rate is not your personal all-in loan cost; credit cards may carry annual fees, interest, cash-advance fees and penalties. Request a tailored illustration.
Check current requirements, availability and charges through the official reference ↗ before applying or paying.
Loan versus credit card
A loan usually gives money with scheduled repayments; a credit card offers revolving credit billed monthly. Paying only the card minimum can leave an interest-bearing balance. Compare total paid, not just the first instalment or promotion.
Things to check carefully
- “Clear your BI checking” middlemen are not the official correction route.
- Do not apply for multiple products without understanding combined obligations.
Frequently asked questions
Does a poor SLIK record mean automatic rejection?
No. OJK says SLIK is not a blacklist; each lender makes its own decision.
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Official document titles are retained below.
- OJK: iDebKu SLIK ↗idebku.ojk.go.id · Accessed 23 September 2026
- OJK: transparansi suku bunga dasar ↗ojk.go.id · Accessed 23 September 2026
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