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KTA Cash Loan Payroll

Turn fuss into fast in making plans happen. Cash loans made for professionals.

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Borrow Up to IDR200 million cash

The freedom and flexibility to make things happen

Simple and Quick Process

Get approval with your national ID (KTP)

Repay In Up to 4 years

More flexibility for your cash flow

Other Advantages

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Low Interest Rates

Starting from 0,99% equivalent flat rate per month

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Opt-In Life Insurance

Life insurance option available for KTA Cashloan Payroll

    Terms & Conditions

    Interest & Fees

    Other Informations

    Installment Simulation

    Product Information Summary

    Terms & Conditions

Terms to Apply KTA Cashloan Payroll

  • Indonesian citizen with a registered national ID (KTP)
  • Owns an Electronic ID (e-KTP) & an active e-mail address
  • A minimum of 21 years old and max. 55 by end of loan tenure.
  • Resides/ works within Bank OCBC coverage area
  • Steady income source

Document to Upload

  • Photo of national ID (e-KTP)
  • Photo of Tax Identification Number (NPWP) (for loan application starting from IDR 50.000.000)
  • Self-portrait photo with national ID (e-KTP) (for all application through OCBC mobile)
  • Photo of signature on white paper (for all application through OCBC mobile)
No Service Fee
1 Disbursement Fee IDR 25.000
2 Provision Fee Maximum 5% of the loan nominal, minimum IDR 150,000
3 Late Payment Fee 5% from total installement (minimum IDR 150.000 and maksimum IDR 750.000)
4 Early Paid Off Fee 8% of the remaining principal bill (minimum IDR 150,000)
5 Copies of Monthly Bills Fee IDR 12.500/month
6 Monthly Bill Fee Email Mail/Courier
no charge IDR 12.500/month
7 Insurance Premium 1.5% - 2% of the nominal loan amount (depending on tenor)
8 Stamp Duty

Disbursement IDR 10.000,-*

Payment ≤ Rp5.000.000 = Rp0

Payment >Rp5.000.000 = Rp10.000
*) Effective on March 18, 2021, each ON Cash Loan disbursement will be subject to a Stamp Duty Fee of IDR 10.000,- for agreement documents related to the ON Cash Loan facility

Product Risk

  • Any outstanding payment done below the minimum payment amount and/or after the due date stated in the billing statement will be classified as an KTA Cashloan Payroll with loan collectibility of ‘non-current’, according to the regulation/policies by Bank Indonesia (BI) and/or Otoritas Jasa Keuangan (OJK). This could negatively affect the Customer’s application for future loan facilites or their existing loan facilites, either in OCBC or in other financial institution

  • In the event of the passing of Customer who does not apply for life insurance protection in the middle of terms of loan, the outstanding debt will then be transferred to Customer’s next of kin.
Loan Amount (IDR) Monthly Installment (IDR)
  Tenor
  12 Months 24 Months 36 Months 48 Months
5.000.000 534.567 307.376 236.890 202.640
10.000.000 1.069.133 614.752 473.779 405.280
20.000.000 2.138.267 1.229.503 947.559 810.560
30.000.000 3.052.105 1.783.355 1.360.438 1.215.840
40.000.000 4.069.473 2.377.807 1.813.918 1.621.120
50.000.000 5.086.842 2.972.258 2.267.397 2.026.400
60.000.000 6.104.210 3.566.710 2.720.877 2.431.680
70.000.000 7.121.578 4.161.162 3.174.356 2.836.960
80.000.000 8.138.947 4.755.613 3.627.836 3.242.240
90.000.000 9.156.315 5.350.065 4.081.315 3.647.520
100.000.000 9.463.183 5.234.017 3.824.294 4.052.800
150.000.000 14.194.775 7.851.025 5.736.442 6.079.200
200.000.000 18.926.367 10.468.033 7.648.589 8.105.600

* The table is only a simulation with insurance protection. The installment amount will be adjusted as recorded in OCBC system. The Interest rate that applied and recorded in OCBC system is flat annuity with fixed installments per month where the principal and interest portion can be different every month. Interest rates might change at any time based on OCBC policy.

Calculation Parameters of Installment Simulation Table

Loan Amount Faktor Rate
  12 Months 24 Months 36 Months 48 Months
≤ IDR 25 Million 0,10691 0,06148 0,04738 0,040528
≥ IDR 25 Million 0,10174 0,05945 0,04535 0,040528
≥ IDR 100 Million 0,09463 0,05234 0,03824 0,040528

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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)