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.
