UKU - Pinjaman Dana Digital

Get a digital loan quickly and safely with UKU - Pinjaman Dana Digital, a peer-to-peer lending platform licensed and supervised by Indonesia's Financial Services Authority (OJK). Skip the paperwork and lengthy approval processes — borrowing has never been this straightforward.

Why choose UKU for your lending needs? The application takes just minutes. Submit your ID card, bank account number, and active phone number, then complete a simple form within the app. No hidden surprises — we're completely transparent about costs. Your maximum annual interest rate is capped at 25.5%, with loan terms between 90 and 180 days. Borrow between IDR 500,000 and IDR 30,000,000, with limits that grow gradually as you build trust with us.

Your money arrives fast. Once you pass our verification process, funds transfer to your registered account within 24 hours maximum. Whether you need emergency cash for unexpected expenses or planned purchases, you won't wait around. Repay whenever and wherever it suits you — use ATM transfers, mobile banking apps (BCA, BRI, BNI, Mandiri, Permata), QRIS, or payment partners like Alfamart and Alfamidi.

Security and trust are built into everything we do. UKU holds OJK licensing under letter KEP-46/D.05/2021 and maintains membership in AFPI, Indonesia's peer-to-peer lending association. We've earned ISO/IEC 27001:2022 certification, confirming our Information Security Management System meets international standards. Your personal data is protected — we only access your camera, microphone, and location when necessary, and we strictly follow OJK guidelines for data handling.

The cost is clear before you borrow. For example, a IDR 1,000,000 loan over 90 days costs just IDR 62,876 in interest, totaling IDR 1,062,876 repayment. No surprise fees or fine print buried in documents. Every rate and charge is visible in the app.

Starting your loan journey takes four simple steps: download UKU - Pinjaman Dana Digital, create your account, select your loan amount and repayment term, provide accurate personal information with a clear photo, wait for system verification (track progress in-app), and receive your funds within 24 hours. Whether you're managing a cash shortfall or seizing an opportunity, this digital lending solution removes friction from borrowing.