AdaKami is one of Indonesia’s bigger OJK-licensed pinjol with a 36% APR cap, a 1.42% service fee, and limits up to Rp80 million for seasoned borrowers. The friction borrowers actually hit: first-time limits land between Rp3 million and Rp5 million, and the service fee applies per disbursement, which makes short-tenor borrowing pricier than the headline suggests. We compared seven AdaKami alternatives that cover the same fast-cash need with different fee structures, rate caps, and limit ladders.
This guide is for borrowers stuck at AdaKami’s first-tier limit, looking for a lower effective rate, or parallel-applying to spread credit history.
Quick comparison
| App | OJK status | Limit | Tenor | Rate cap |
|---|---|---|---|---|
| Easycash | Licensed | Rp200K-Rp80M | 93-360 days | 24% APR |
| RupiahCepat | Licensed | Rp200K-Rp200M | 91-510 days | 3.65% floor for top tier |
| Kredivo | Licensed | Up to ~Rp50M | 1-12 months | 2.6%/mo typical for cash |
| Adapundi | Licensed | Up to Rp100M | 91-360 days | 10.8-18% per year |
| KrediOne | Licensed | Up to Rp80M | 91-360 days | 36% APR |
| Indodana | Licensed | Up to ~Rp50M | 1-12 months | Tiered by tenor |
| Kredit Pintar | Licensed | Up to ~Rp20M | Up to 12 months | Tiered |
Why people leave AdaKami
First-tier limits are conservative
The Rp80 million ceiling is real, but first-time limits typically cap at Rp3-5 million. Climbing the ladder takes several on-time repayment cycles.
1.42% service fee on every disbursement
The fee is small as a percentage but compounds on short-tenor borrowing. For a 3-month Rp3 million loan, the service fee adds Rp42,600 per month on top of interest.
Repeat borrowing flags risk scoring
Like all OJK pinjol, AdaKami reports to the credit bureau. Multiple short-tenor loans in succession tighten future approvals.
36% APR is at the OJK ceiling
Adapundi caps at 18% per year. RupiahCepat advertises a 3.65% floor for qualified customers. AdaKami’s APR sits at the regulatory maximum.
The alternatives
Easycash — Best for lower headline APR
Easycash caps APR at 24% per year with no separate service fee on principal. OJK-licensed under KEP-49/D.05/2020. Limits up to Rp80 million and tenors up to 360 days.
Where it falls short: New-user limits land below the headline. Repayment partners are the major banks plus Alfamart/Alfamidi.
Pricing:
- Free: Account, application, scoring
- Paid: 24% APR cap, no service fee
- vs AdaKami: Cheaper effective rate on principal, similar ceiling
Migrating from AdaKami: Independent OJK license, separate credit decisioning.
Bottom line: The most direct alternative if APR matters more than ceiling.
RupiahCepat — Best advertised floor rate
RupiahCepat advertises 3.65% per year as a floor for top-tier borrowers, limits to Rp200 million, and tenors up to 510 days. OJK-licensed.
Where it falls short: The 3.65% floor is for top-tier customers only. New borrowers track closer to the OJK daily-rate cap.
Pricing:
- Free: Account, application
- Paid: 3.65%/year floor, higher for new users
- vs AdaKami: Lower floor, comparable ceiling, longer tenor band
Migrating from AdaKami: Independent OJK license.
Bottom line: Worth a parallel application to see what rate your profile draws.
Kredivo — Best BNPL crossover
Kredivo offers a credit line that works for both BNPL at participating merchants and cash loans. Typical pricing for cash loans is 2.6% per month. The 30-day BNPL is interest-free at qualifying merchants.
Where it falls short: Approval depends on income, region, and history. Cash ceiling is lower than AdaKami.
Pricing:
- Free: Account, BNPL up to limit
- Paid: 2.6%/mo cash, 0% for 30-day BNPL on partners
- vs AdaKami: Lower monthly rate for cash, BNPL crossover
Migrating from AdaKami: Independent OJK license.
Bottom line: If a chunk of your borrowing is for shopping, Kredivo’s BNPL plus cash works as one app.
Adapundi — Best for lowest rate cap
Adapundi caps interest at 10.8-18% per year with no additional management fee, limits to Rp100 million, and tenors 91-360 days. OJK-licensed under KEP-48/D.05/2021.
Where it falls short: New-user limits are conservative. The headline rate range still depends on credit profile.
Pricing:
- Free: Account, application
- Paid: 10.8-18% per year, no additional management fee
- vs AdaKami: Lower rate ceiling, larger limit ceiling
Migrating from AdaKami: Independent OJK license.
Bottom line: The lowest advertised rate among major OJK pinjol — worth applying for.
KrediOne — Best mid-tier option with longer tenor
KrediOne (formerly 360Kredi) lists limits up to Rp80 million, tenors 91 to 360 days, and a 36% APR cap. Admin fee starts at 0.25% of principal.
Where it falls short: Same APR cap as AdaKami. Brand recognition is lower, so support and partner banks are narrower.
Pricing:
- Free: Account, scoring
- Paid: Admin fee from 0.25%, 36% APR cap
- vs AdaKami: Lower admin fee, similar APR
Migrating from AdaKami: Independent OJK license.
Bottom line: A solid mid-tier option for parallel applications.
Indodana — Best BNPL crossover for shopping
Indodana combines a cash loan product with BNPL at partner merchants. OJK-licensed.
Where it falls short: Cash limit below AdaKami’s ceiling. Merchant coverage narrower than Kredivo.
Pricing:
- Free: Account, BNPL at partners
- Paid: Tiered by tenor and product
- vs AdaKami: Adds BNPL, smaller cash ceiling
Migrating from AdaKami: Independent OJK license.
Bottom line: Pick Indodana when BNPL plus cash credit is the actual need.
Kredit Pintar — Best for smaller, faster approvals
Kredit Pintar is focused on smaller-ticket loans with faster verification cycles. OJK-licensed. Higher first-time approval rate than AdaKami.
Where it falls short: Lower ceiling than AdaKami. Shorter tenor band.
Pricing:
- Free: Account, scoring
- Paid: Tiered fees, OJK rate cap
- vs AdaKami: Smaller and faster, more lenient first-time scoring
Migrating from AdaKami: Independent OJK license.
Bottom line: A useful fallback when bigger lenders decline.
How to choose
Pick Easycash for a lower headline APR and no separate service fee. Pick RupiahCepat if your profile qualifies for the lower floor rate. Pick Kredivo when shopping and cash are both part of your need.
Pick Adapundi for the lowest rate cap among major OJK pinjol. Pick KrediOne as a mid-tier parallel option. Pick Indodana for shopping plus cash. Pick Kredit Pintar for smaller, faster approvals.
Stay on AdaKami if your limit has climbed past Rp10 million, your repayment is reliable, and the 1.42% service fee is a small share of your interest cost. AdaKami’s customer service and repayment partners are among the broadest in the category.
Borrow responsibly. Use the in-app calculator to see the actual installment, not just the headline rate, and avoid stacking short-tenor loans across multiple providers.
FAQ
Is AdaKami a legal pinjol?
Yes. AdaKami is OJK-licensed. Always verify the licence number on the OJK official list before borrowing from any online lender.
Which OJK pinjol has the lowest interest rate?
Adapundi caps at 10.8-18% per year. Easycash caps APR at 24%. RupiahCepat’s 3.65% is the marketing floor for top-tier customers, not a typical first-time rate.
Can AdaKami’s limit grow over time?
Yes. AdaKami increases limits based on on-time repayment history, with a stated ceiling of Rp80 million for seasoned customers. Climbing the ladder takes several full cycles.
Are these OJK pinjol safe?
All seven are OJK-licensed and follow OJK rules on rates, data, and collection. Always verify the licence number on ojk.go.id and never borrow from an unlicensed app.
Can I borrow from multiple OJK pinjol at once?
Technically yes, but credit bureaus see the pattern. Two active loans is fine; five active is a red flag and tightens future approvals across the system.
How do I pay AdaKami early?
AdaKami supports early repayment via partner banks (BCA, BNI, BRI, CIMB, BTN, Panin, Permata, Maybank, Danamon, Mandiri). Interest stops at the date of full repayment.
