loan online AdaKami is the best choice for those who need fast funds for urgent needs. Just like any other loan, the AdaKami application also has certain requirements for those wanting to apply for the loan.
However, you don't need to worry! The requirements and methods for applying for a loan at AdaKami are quite simple. Not only that, AdaKami offers competitive loan interest along with promising loan limits and tenures.
Want to apply for a loan at AdaKami? Let's see how to apply along with conditions, interest, credit limit, tenor, and loan simulation at AdaKami in the following article!
How to apply for a loan at AdaKami
Follow the steps below to apply for a loan at AdaKami:
- First, download the AdaKami application on the Google Play Store or Apple Store. Make sure you download the official application, right? Avoid downloading applications that use APKs to protect your data and privacy.
- Then register for an AdaKami account, enter a valid and contactable phone number –
- AdaKami team will send an OTP or verification code to the registered phone number. After that, enter the code in the AdaKami application.
- Don't forget to create a password for the application. Make sure that the password you create does not contain personal information such as your full name, date of birth, address, and other personal information.
- After successfully registering an account You will be presented with a form filling page. Fill out the form with personal information Current employment information and contacts who can be contacted
- Next, upload a photo of your KTP along with a selfie with your KTP. Make sure the information in your KTP is clearly visible for a successful loan application process.
- After that enter your bank account number. The bank account number must match the personal information entered in the form at the beginning.
- If the information is complete You can choose your loan amount and loan tenure immediately. You can then apply for a loan that will be processed by the AdaKami team.
- If the loan application is approved Funds will be disbursed or sent to your account within a maximum of 2×24 hours.
Conditions for applying for a loan at AdaKami
Before applying for an AdaKami loan, make sure you complete the required documents and conditions that must be met, including:
- Indonesian citizenship status or Indonesian nationality
- Age from 18 to 60 years;
- Have a stable income
- There is E-KTP;
- Have a savings account in your personal name.
- Smartphone or Gadgets which can be used to download the AdaKami application
Loan conditions online AdaKami above is pretty simple, right? Essentially, AdaKami doesn't limit your income amount or type of work.
As long as you are committed to repaying the loan. You have an opportunity to get a loan from AdaKami. The reason is that it is possible that your AdaKami loan may be rejected.
Interest, credit limit, and loan term at AdaKami
As with other types of loans, AdaKami generally also has its own rules regarding loan interest caps, loan limits, and loan tenures. Please pay attention to the description below before applying for an AdaKami loan:
Interest on loans at AdaKami
As reported from AdaKami's official website, the loan interest charged will be adjusted according to the type of loan received. AdaKami offers 2 types of loans:
- Daily loans: based on interest of 0.1 and up to 0.13% per day or equivalent to 3% to 4% per month.
- Installment loan: Interest charged at 3% per month.
Please note that the loan interest charged does not include service fees. Therefore, you need to know and consider the cost of services so as not to be surprised when paying for the loan.
Credit limit at AdaKami
AdaKami's credit limit will also be adjusted based on the type of loan received. Here is the distribution of limits by loan type:
- Daily loans: IDR 500,000.00 to IDR 3,000,000.00
- Installment loans: IDR 4,000,000.00 to IDR 10,000,000.00
AdaKami also states that you can apply for loans up to IDR 80 million, however, keep in mind that your credit score is passable. BI inspection Considered good and responsible
Loan age at AdaKami
The tenor (duration) of the AdaKami loan can be found in the description below:
- AdaKami Daily Loan Term: 14 days, 21 days, and 28 days.
- AdaKami Installment Loan Tenors: 2 months, 3 months, 6 months, and 12 months.
AdaKami Loan Simulation
To give you a clearer picture. This is AdaKami's loan simulation:
You would like to apply for a loan of IDR 4,000,000.00 with a term of 3 months. The amount of interest charged is as follows:
| Monthly interest rate | 3% | |
| Service fee | 1.42% x 4,000,000 Indonesian Rupiah | 56,800.00 rupiah |
| Monthly interest | 4,000,000.00 Indonesian Rupiah x 3% | 120,000.00 rupiah |
| Payment period: Loan amount + Monthly interest + Service fee | (4,000,000.00 Rupiah : 3) + 120,000.00 Rupiah + 56,800.00 Rupiah | 1,510,133.00 rupiah |
| Total loan repayment | 4,000,000.00 Rupiah + (120,000.00 Rupiah x 3) + (56,800 Rupiah x 3) | 4,530,400.00 rupiah |
Therefore, the number of installments payable is IDR 1,510,133.00. Over 3 months, you must repay the loan amount of IDR 4,530,400.00.
Now you understand how to apply for an AdaKami loan, right? After understanding the method Make sure you also understand AdaKami's loan simulation so that you know how to calculate the installment payment amount based on age and the amount to be returned.
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