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AdaKami review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

AdaKami is an Indonesian lending marketplace for small personal and payday loans, with an APR of 36% and funding the same day once a hard credit check clears. It suits borrowers with steady income who need money quickly, and suits less anyone chasing a lower rate over a longer term.

Key facts

Best for
Indonesian earners who need a small personal or payday loan paid out fast.
APR
36%↗
Loan amount
IDR 3,000,000 to IDR 80,000,000↗
Term
3 to 12 months↗
Arrangement fee
Service fee 1.42% of the loan principal, charged monthly↗
Credit check
Hard↗
Funding time
Instant disbursement within 1 day of approval↗
Representative example
Loan of IDR 3,000,000 over 6 months: monthly payment IDR 632,600, total repayment IDR 3,795,600↗
Rate type
Fixed↗
Lender type
Marketplace↗
Eligibility
Indonesian citizens aged 18-60 with a job or income of at least Rp3,000,000 per month, an active mobile number and a bank account↗
Origination fee (%)
1.42%↗
Loan types
Personal, Payday↗
Legal entity
PT Pembiayaan Digital Indonesia↗
Headquarters
Indonesia↗
Founded
2018↗
Support channels
Email, Phone, Chat↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
adakami.id

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Fixed-rate lending at an APR of 36%, so the cost does not drift
  • A service fee of 1.42% of the principal, charged monthly rather than upfront
  • Money moves fast: Instant disbursement within 1 day of approval
  • Support runs on email, phone and chat

Cons

  • A hard credit check, so a decline is recorded on your credit file
  • An APR of 36% sits well above the 15.5% median across the site
  • Borrowing runs over 3 to 12 only, so it is not a long-term loan option

Ready to try AdaKami?

Scored 8.5 / 10 by SumCue.

See alternatives

Who it suits

  • Indonesian citizens with a job or steady monthly income
  • People who need money in a hurry rather than the lowest possible rate
  • Borrowers with an active mobile number and a bank account

Who should look elsewhere

  • Creduma ES, if you want a longer loan starting at from €12,000 instead of a short payday advance
  • Sofkredit, whose rate of 10.74% to 18.06% costs a fraction of AdaKami's 36%
  • Cashspace, whose rate of PHP 12 to PHP 36 is set in a different market and currency

Safety of your money

AdaKami is a marketplace rather than a single lender, so a partner sets the terms you are offered. It is licensed by the Otoritas Jasa Keuangan (OJK) under reference S-1108/N/B.213/2018, so the platform is supervised in Indonesia. The worked example in the app listing shows what the rate costs over a full term, with a monthly payment and a total repayment figure set out.

Who runs it

The operator is PT Pembiayaan Digital Indonesia, headquartered in Indonesia and working since 2018. It holds an Otoritas Jasa Keuangan (OJK) licence, reference S-1108/N/B.213/2018. Applicants need an active mobile number and a bank account, and support is offered through email, phone and chat, so the account is run from the app rather than a branch.

How AdaKami compares

Where AdaKami is available

Available
Indonesia
Licence in Indonesia
Otoritas Jasa Keuangan (OJK) (S-1108/N/B.213/2018), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on an AdaKami loan?+

The APR is 36% on a fixed-rate basis, so the cost stays put for the life of the loan, and the rate type is fixed. That sits well above the 15.5% median across the site, so price is the main thing to weigh.

Are there fees on top of the rate?+

Yes. A service fee of 1.42% of the loan principal is charged monthly, as Service fee 1.42% of the loan principal, charged monthly sets out. Because it is collected every month rather than taken once at the start, a longer term within 3 to 12 costs proportionally more in fees.

How much can I borrow and for how long?+

Loans run IDR 3,000,000 to IDR 80,000,000 in Indonesian rupiah, and terms run 3 to 12. Both personal and payday loans are offered, as personal and payday shows. That range is sized for short-term needs such as a bill or an emergency, rather than major purchases or consolidation.

How fast do I get the money?+

Funding is same day funding, and the stated funding time is Instant disbursement within 1 day of approval. The speed depends on the hard credit check clearing and a partner lender approving, so the same-day window applies from approval rather than from application.

Is AdaKami regulated?+

Yes. The operation is licensed by the Otoritas Jasa Keuangan (OJK) in Indonesia, with licence reference S-1108/N/B.213/2018. It is a marketplace, so an approved loan is made by a partner lender, and the terms shown at application are the ones that apply.

What credit check do I need to pass?+

The credit check is hard, so a rejected application is recorded on your credit file, and it helps to check that first. You also need a job or steady income, an active mobile number and a bank account.

How do I get help once I have an account?+

Support runs on email, phone and chat, so the team can be reached by email, phone or chat. Questions tend to be about application status, repayment dates or how a partner lender set the terms, and the account itself is run from the app.

Sources

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: Loan amount, APR, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Loan limit: IDR 3,000,000 - IDR 80,000,000”

  • adakami.id checked September 26, 2026

    Backs: Features, Funding time

  • adakami.id/about checked September 26, 2026

    Backs: Founded, Headquarters, Lender type

    “Juni 2018 Pendirian PT Pembiayaan Digital Indonesia (AdaKami)”

  • adakami.id/riplay checked September 26, 2026

    Backs: Credit check, Eligibility, Legal entity, Support channels, Licences

    “Customer Service Live Chat Aplikasi AdaKami, Telepon 15000-77, Email tanya@adakami-cs.id”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

AdaKami

Indonesian earners who need a small personal or payday loan paid out fast.

8.5/10See alternatives