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Articles in this section

  • 1. How much time do I need to sign up for an account with TunaiKita?
  • 2. How much time do I need to complete my user profile with TunaiKita?
  • 3. How do I apply for a loan from TunaiKita?
  • 4. How much time do I need to prepare for and submit my loan application?
  • 5. Can I apply for my loan via your website or through other offline channels?
  • 6. How much can I borrow from TunaiKita?
  • 7. I have successfully completed my user profile and received my credit score. What does my credit score mean? How does it affect the maximum amount that I would surely get approved on if I apply for loan?
  • 8. Can I cancel my loan application after I have submitted it?
  • 9. How long does it take for TunaiKita to make a decision on my loan application?
  • 10. I have submitted my loan application but have not received any updates so far. How can I enquire about the status of my loan application?

15. Why was my loan application rejected?

All loan applications need to comply with OJK’s POJK/77 requirements, such as borrowers’ age needing to be between 21 to 55 years old and be in possession of a valid KTP and NPWP. Our lending robot also uses your device and online data to evaluate your creditworthiness as part of its underwriting process.

There can also be many other reasons why your loan application has been rejected:

 

  • Submitted documents are incorrect, fraudulent, incomplete or unclear and not rectified after multiple attempts or no-response after 72 hours of our request.
  • KTP Number (NIK) has bees registered previously in our system.
  • You live outside of our current service areas.
  • Your borrower profile is determined to be too risky for your requested loan amount and tenure to be approved
  • Your repayment track record with us is poor; i.e. regular overdue and delinquent repayments

 

We urge all users to take our in-app instructions and SMS updates seriously and provide us with your most up-to-date information and documents to avoid unnecessary delays to the processing of your loan application.

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