RupiahCepat is OJK-licensed and advertises a 3.65% per year interest rate with limits up to Rp200 million and tenors up to 510 days. The 3.65% is the floor for top-tier customers. Most first-time borrowers see an APR that tracks closer to the OJK daily-rate cap. We compared seven RupiahCepat alternatives that offer transparent pricing, similar OJK protection, and different limit ladders.
This guide is for borrowers who came in for the 3.65% headline and want to know what other OJK pinjol actually cost in practice.
Quick comparison
| App | OJK status | Limit | Tenor | Rate cap |
|---|---|---|---|---|
| Easycash | Licensed | Rp200K-Rp80M | 93-360 days | 24% APR |
| AdaKami | Licensed | Up to Rp80M | 91-365 days | 36% APR + 1.42% service fee |
| Kredivo | Licensed | Up to ~Rp50M | 1-12 months | 2.6%/mo typical cash |
| Adapundi | Licensed | Up to Rp100M | 91-360 days | 10.8-18% per year |
| Indodana | Licensed | Up to ~Rp50M | 1-12 months | Tiered |
| Kredit Pintar | Licensed | Up to ~Rp20M | Up to 12 months | Tiered |
| KrediOne | Licensed | Up to Rp80M | 91-360 days | 36% APR + 0.25% admin |
Why people leave RupiahCepat
3.65% is the marketing floor
The 3.65% per year cap is advertised as the lowest available rate. New-user APR generally tracks much closer to OJK’s 0.3% per day daily cap. The real cost depends on credit profile and tenor.
Long tenor is a double-edged sword
510-day tenors smooth installments but increase total interest paid. For a Rp2 million loan over 91 days the math is friendly; the same loan over 18 months is not.
Repayment routes through BCA partners
RupiahCepat’s partner banks are BCA, Mandiri, BRI, BNI, and CIMB. Payroll accounts at other banks add a transfer step.
First-tier limits land below the Rp200M ceiling
The Rp200 million ceiling applies to top-tier customers. First-time approvals are typically in the Rp1-3 million range.
The alternatives
Easycash — Best for lower headline APR cap
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: Headline ceiling lower than RupiahCepat. New-user limits land below the headline.
Pricing:
- Free: Account, application, scoring
- Paid: 24% APR cap, no service fee
- vs RupiahCepat: Lower headline APR cap, smaller ceiling
Migrating from RupiahCepat: Independent OJK license.
Bottom line: The cleanest alternative if you want predictable APR without service fees.
AdaKami — Best for transparent fee calculator
AdaKami lists limits up to Rp80 million with a 36% APR cap and 1.42% service fee on principal. The in-app calculator shows the per-month installment before you accept.
Where it falls short: APR ceiling sits at the OJK maximum. Service fee compounds on short tenors.
Pricing:
- Free: Account, scoring
- Paid: 36% APR + 1.42% service fee
- vs RupiahCepat: Comparable ceiling, more transparent fee disclosure
Migrating from RupiahCepat: Independent OJK license.
Bottom line: Use AdaKami when you want a calculator that shows the real installment before accepting.
Kredivo — Best monthly rate on cash loans
Kredivo sits between pinjol and BNPL. Cash loans typically price at 2.6% per month with 1-12 month installment options. The 30-day BNPL at participating merchants is interest-free.
Where it falls short: Cash ceiling is below RupiahCepat. Approval depends on income and region.
Pricing:
- Free: Account, BNPL up to limit
- Paid: 2.6%/mo cash, 0% on 30-day BNPL at partners
- vs RupiahCepat: Lower effective monthly cost for cash, smaller ceiling
Migrating from RupiahCepat: Independent OJK license.
Bottom line: Pick Kredivo if you want shopping credit and occasional cash in one app.
Adapundi — Best for lowest rate ceiling
Adapundi caps interest at 10.8-18% per year with no additional management fee, limits to Rp100 million, and tenors 91-360 days.
Where it falls short: New-user limits are conservative. The headline rate range depends on credit profile.
Pricing:
- Free: Account, application
- Paid: 10.8-18% per year
- vs RupiahCepat: Lower rate ceiling, lower limit ceiling
Migrating from RupiahCepat: Independent OJK license.
Bottom line: The lowest rate ceiling among major OJK pinjol — worth a parallel application.
Indodana — Best for shopping plus cash
Indodana combines cash loans with BNPL at partner merchants. OJK-licensed.
Where it falls short: Cash limit below RupiahCepat. Narrower merchant coverage than Kredivo.
Pricing:
- Free: Account, BNPL at partners
- Paid: Tiered by tenor and product
- vs RupiahCepat: BNPL crossover, smaller cash ceiling
Migrating from RupiahCepat: Independent OJK license.
Bottom line: A cleaner pick if BNPL and cash credit are both part of the plan.
Kredit Pintar — Best for smaller and faster
Kredit Pintar focuses on smaller-ticket loans with faster verification. OJK-licensed.
Where it falls short: Lower ceiling than RupiahCepat. Shorter tenor band.
Pricing:
- Free: Account, scoring
- Paid: Tiered fees within OJK cap
- vs RupiahCepat: Faster approvals, smaller ceiling
Migrating from RupiahCepat: Independent OJK license.
Bottom line: A fallback for smaller loans when bigger lenders decline.
KrediOne — Best for low admin fee with long tenor
KrediOne (formerly 360Kredi) lists limits up to Rp80 million, tenors 91-360 days, and admin fees from 0.25%. OJK-licensed.
Where it falls short: APR cap at 36% sits at OJK ceiling. Brand recognition lower than peers.
Pricing:
- Free: Account, scoring
- Paid: 0.25%+ admin, 36% APR cap
- vs RupiahCepat: Lower admin fee, similar tenor band
Migrating from RupiahCepat: Independent OJK license.
Bottom line: Mid-tier option for parallel applications.
How to choose
Pick Easycash for a transparent 24% APR cap and no service fee. Pick AdaKami for a calculator that shows the real installment. Pick Kredivo for the lowest monthly rate on cash with a BNPL bonus.
Pick Adapundi for the lowest rate ceiling among major OJK pinjol. Pick Indodana for BNPL plus cash. Pick Kredit Pintar for smaller and faster. Pick KrediOne when admin fee matters.
Stay on RupiahCepat if your profile actually qualifies for the lower-tier rates (the math works), your repayment account is at BCA, Mandiri, BRI, BNI, or CIMB, and you have used the longer 510-day tenor to manage cash flow. The lower floor rate is real for top-tier customers.
Borrow responsibly. Compare the installment your in-app calculator shows, not the headline rate, and avoid stacking loans across multiple OJK pinjol.
FAQ
Is RupiahCepat’s 3.65% rate real?
The 3.65% per year is the floor for top-tier customers. For new borrowers, the typical APR tracks much closer to the OJK 0.3% per day daily cap. Always check the calculator before accepting.
Which OJK pinjol has the lowest interest rate?
Adapundi caps at 10.8-18% per year. Easycash caps at 24% APR. Kredivo’s 2.6% per month works out to about 31% APR on a fully drawn cash loan.
Are RupiahCepat alternatives safe?
All seven are OJK-licensed and required to follow OJK rules on rate caps, data, and collection. Always verify the licence number on ojk.go.id before borrowing.
Can I borrow from multiple OJK pinjol at once?
Technically yes, but credit bureaus see the pattern. Two active loans is usually fine; five is a red flag.
What is the maximum loan from RupiahCepat?
Rp200 million for top-tier customers. New-user limits typically start at Rp1-3 million and grow with on-time repayments.
How long does disbursement take?
Most OJK pinjol disburse within minutes to a few hours once verification passes. RupiahCepat advertises near-instant disbursement to BCA, Mandiri, BRI, BNI, and CIMB accounts.
