Cash Loan

Cash loan without collateral to make your life plans come true. Its very easy.

Cash Funds Up to Rp200 Million

Flexibility to fulfil your various needs

Simple Process & Requirements

Apply online without going to the branch

Tenor Up to 3 Years

Flexibility to manage your cash flow

Other Advantages

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Low Interest Rates

Interest rate starting from 0,99% flat per month

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Life Insurance

Life insurance automatically given to ON Cash Loan customers

    Terms & Conditions

    Interest & Fees

    Other Informations

    Installment Simulation

    Product Information Summary

    Terms & Conditions

Terms to Apply ON Cash Loan

  • 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 the time of application
  • Resides/ works within Bank OCBC NISP coverage area (Jabodetabek, Bandung)
  • 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 ONe Mobile)
  • Photo of signature on white paper (for all application through ONe Mobile)
No Service Fee
1 Disbursement Fee IDR 25.000
2 Provision Fee 1,00% - 5,00% of loan principal amount /minimum Rp150.000
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 loan principal
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% of loan principal amount
8 Stamp Duty

Disbursement IDR 10.000,-*

Payment ≤ Rp5.000.000 = Rp0

Payment >Rp5.000.000 = Rp10.000

*) Effective on March 1, 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 ON Cash Loan 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 Bank OCBC NISP 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 

Monthly installment amount

Tenure

6 Months

12 Months

24 Months

36 Months

Rp10,000,000

Rp2,096,604

Rp1,069,117

Rp614,736

Rp463,592

Rp15,000,000

Rp3,144,905

Rp1,603,675

Rp922,104

Rp695,388

Rp20,000,000

Rp4,193,207

Rp2,138,233

Rp1,229,471

Rp927,183

Rp25,000,000

Rp5,241,508

Rp2,672,791

Rp1,536,839

Rp1,158,979

Rp30,000,000

Rp5,985,376

Rp3,082,492

Rp1,783,306

Rp1,329,953

Rp35,000,000

Rp6,982,939

Rp3,596,240

Rp2,080,524

Rp1,551,612

Rp40,000,000

Rp7,980,501

Rp4,109,989

Rp2,377,742

Rp1,773,271

Rp45,000,000

Rp8,978,064

Rp4,623,737

Rp2,674,959

Rp1,994,930

Rp50,000,000

Rp9,975,626

Rp5,137,486

Rp2,972,177

Rp2,216,589

Rp55,000,000

Rp10,973,189

Rp5,651,234

Rp3,269,394

Rp2,438,247

Rp60,000,000

Rp11,970,751

Rp6,164,983

Rp3,566,612

Rp2,659,906

Rp65,000,000

Rp12,968,314

Rp6,678,731

Rp3,863,830

Rp2,881,565

Rp70,000,000

Rp13,255,532

Rp7,050,341

Rp4,018,833

Rp2,960,883

Rp75,000,000

Rp14,202,356

Rp7,553,937

Rp4,305,893

Rp3,172,375

Rp80,000,000

Rp15,149,179

Rp8,057,533

Rp4,592,952

Rp3,383,867

Rp85,000,000

Rp16,096,003

Rp8,561,128

Rp4,880,012

Rp3,595,358

Rp90,000,000

Rp17,042,827

Rp9,064,724

Rp5,167,071

Rp3,806,850

Rp95,000,000

Rp17,989,651

Rp9,568,320

Rp5,454,131

Rp4,396,379

Rp100,000,000

Rp18,936,474

Rp10,071,916

Rp5,741,190

Rp4,229,833

Rp110,000,000

Rp20,606,213

Rp10,743,891

Rp5,980,239

Rp4,206,422

Rp150,000,000

Rp28,099,381

Rp14,650,761

Rp8,154,871

Rp5,736,030

Rp200,000,000

Rp37,465,841

Rp19,534,347

Rp10,873,161

Rp7,648,039

* The table is only a simulation with insurance protection. The installment amount will be adjusted as recorded in OCBC NISP system. The Interest rate that applied and recorded in OCBC NISP 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 NISP policy.

Calculation Parameters of Installment Simulation Table

Loan Amount Factor Rate 
6 Months 12 Months 24 Months 36 Months
< Rp30Mio 0.20966 0.10691 0.06147 0.04636
Rp30Mio - < Rp70Mio 0.19951 0.10275 0.05944 0.04433
Rp70Mio - < Rp110Mio 0.18936 0.10072 0.05741 0.04230
≥ Rp110Mio 0.18733 0.09767 0.05437 0.03824
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