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JULO review

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

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Our verdict

JULO is an Indonesian lending marketplace for adults with an active bank account who want a loan at a fixed rate rather than a long one. Interest of 36% to 96% is steep next to the site median of 15.5%, so it suits borrowers who clear the credit check (hard) and repay fast.

Key facts

Best for
Short fixed rate borrowing in Indonesia for adults who clear a credit check.
APR
36% to 96%↗
Loan amount
IDR 500,000 to IDR 50,000,000↗
Term
2 to 9 months↗
Credit check
Hard↗
Funding time
Up to 2x24 hours↗
Representative example
Rp500,000 loan: Rp465,000 received, Rp550,000 repayable, total cost Rp85,000↗
Rate type
Fixed↗
Lender type
Marketplace↗
Eligibility
Indonesian citizen with KTP living in Indonesia, aged 18-65, minimum income Rp2,500,000 per month, active bank account↗
Loan types
Personal, Credit-line, BNPL, Business↗
Credit needed
Fair↗
Legal entity
PT. JULO Teknologi Finansial↗
Headquarters
Indonesia↗
Founded
2016↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Credit line
Official website
julo.co.id

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Disbursement is quick: money lands Up to 2x24 hours after a limit is approved.
  • Support runs on email, chat and phone, so help comes by phone, chat, email or the help centre.
  • The lender is a named Indonesian company, PT. JULO Teknologi Finansial, licensed by Otoritas Jasa Keuangan (OJK) as S-589/NB.213/2018.
  • Sums run IDR 500,000 to IDR 50,000,000, so a small top up and a larger bill are both within reach.

Cons

  • Interest of 36% to 96% is steep against the site median of 15.5%.
  • Applications run a hard credit check (hard) and need fair credit (fair), so a thin file is unlikely to pass.
  • Repayment windows are short at 2 to 9, and the published example leaves you with less cash than the loan and more to repay.
JULO

Ready to try JULO?

Scored 8.5 / 10 by SumCue.

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Who it suits

  • Indonesian citizens with an identity card living in Indonesia, above a minimum age, with a minimum monthly income and an active bank account.
  • Borrowers who can clear a credit check (hard) and settle a fixed rate loan (fixed) inside a term of 2 to 9.
  • People who want personal, credit line, business or buy now pay later lending from the same provider, listed under personal, credit line and bnpl.

Who should look elsewhere

  • Borrowers chasing a cheaper rate: Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both under JULO's 36% to 96%.
  • Anyone after a bigger sum or a longer term, since Creduma ES starts at from €12,000 while JULO's amounts are IDR 500,000 to IDR 50,000,000 with terms of 2 to 9.

How JULO compares

Where JULO is available

Available
Indonesia
Licence in Indonesia
Otoritas Jasa Keuangan (OJK) (S-589/NB.213/2018), checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a JULO loan?+

Interest runs 36% to 96% on a fixed basis (fixed), so the rate does not move during the loan. The site median is 15.5%, which puts the top of JULO's range well above lenders lower down the list.

How much can I borrow and over what period?+

Loan amounts run IDR 500,000 to IDR 50,000,000 and terms run 2 to 9, so the money is sized for short needs rather than long plans. Both sit at the small end, with the personal loan median term at 36.

What do I actually receive on a JULO loan?+

The published example shows the cash received is less than the loan and the total repayable is more, with the difference counted as total cost. With interest of 36% to 96% on top, the amount you hold is smaller than the amount you owe.

Who can apply?+

You need to be an Indonesian citizen with an identity card living in Indonesia, above a minimum age, with a minimum monthly income and an active bank account. The application runs a credit check (hard) before any offer is made.

Is JULO regulated?+

The lending side runs through PT. JULO Teknologi Finansial, an Indonesian company, and it holds a licence from Otoritas Jasa Keuangan (OJK) registered as S-589/NB.213/2018. It works as a marketplace (marketplace), so check which partner sends the offer.

How fast does the money arrive?+

Drawdown takes Up to 2x24 hours once a limit is approved, which is quick for a marketplace lender. Have the bank account you registered with ready to receive it. That speed does not extend to the credit check or the approval decision.

What kinds of loans are on offer?+

The range covers personal loans, a credit line, business lending and buy now pay later, listed under personal, credit line and bnpl, with the credit line highlighted as credit line. Products sit on fixed rates (fixed), so what you sign for is what you repay on.

How risky is borrowing at these rates?+

Across the site the retail loss rate stands at 70.15%, so a check like hard is doing real work. JULO's own range, 36% to 96%, sits at the costly end of the personal loan median of 14.43%.

Sources

  • julo.co.id checked September 26, 2026

    Backs: APR, Features, Legal entity, Loan types, Term, Licences

    “Bunga 3% - 8% per bulan (~APR 36% - 96%)”

  • julo.co.id/about checked September 26, 2026

    Backs: Credit needed, Founded, Headquarters, Representative example

    “Kantor Utama PT. JULO Teknologi Finansial 88@Kasablanka Tower A Lantai 5. Jl. Raya Casablanca Kav.88, Jakarta Selatan 12870”

  • julo.co.id/faq checked September 26, 2026

    Backs: Support channels

    “Email: cs@julo.co.id ... Live chat via aplikasi JULO ... Call Center: 021 5091 9034 / 021 5091 9035”

  • julo.co.id/faq/faq-tarik-dana checked September 26, 2026

    Backs: Funding time

  • julo.co.id/product/pinjaman-online/pinjaman-uang-online checked September 26, 2026

    Backs: Loan amount, Eligibility, Pricing model, Rate type

    “Suku bunga pinjaman uang online JULO hanya dari 0,1% per hari”

  • julo.co.id/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Lender type

    “PT Julo Teknologi Finansial bertindak sebagai penyelenggara Layanan Pendanaan Bersama Berbasis Berbasis Teknologi Informasi (peer-to-peer lending)”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

JULO

JULO

Short fixed rate borrowing in Indonesia for adults who clear a credit check.

8.5/10See alternatives