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Everyone

Cermati - Pinjaman, Kartu Kredit & Asuransi

Lollipop

Credit Cards, KTA Loans, Insurance, Paying Bills, and Digital Gold Investment

Cermati.com helps you and millions of other customers to choose the best financial products that suit their needs. Apart from financial products such as KTA, credit cards and insurance, Cermati.com also provides top up and bill payment services for digital products, as well as digital gold investment.

Main Features of the Cermati Application:

• Compare and Apply: We will help you choose the right financial products such as credit cards, loans, insurance, investments and other digital products.

• Get Financial News and Tips: Read the latest information about the world of finance and investment.

• Eligibility Check: Quickly check online loan/credit card eligibility before applying based on your personal information.

• Digital Gold Investment: Want to invest in digital gold? You can use this application to invest in gold online and check today's gold prices.

Top Up and Pay Bills on the Cermati Application:

• Online Credit: Buy the cheapest online credit for all operators (Telkomsel, XL, Indosat, Tri, and Smartfren). The cheapest and most complete online credit starts from IDR 5,000.

• Online Data Package: Buy the cheapest online data package for all operators (Telkomsel, XL, Indosat, Tri, and Smartfren). The cheapest and most complete online data package.

• Postpaid: Make postpaid credit payments easily for Telkomsel, XL, Indosat, Tri, and, Smartfren.

• Roaming: Buy Telkomsel, Indosat, XL and other roaming packages at the best prices.

• Pay Home Phone: Pay Indihome home phone and internet bills practically.

• Check your PLN electricity bill and buy electricity tokens: Check and pay your PLN electricity bill and buy electricity tokens at the lowest price.

• Check PDAM Bills: Check and pay PDAM bills in Indonesia.

• Online Game Vouchers: Buy famous online game vouchers at the lowest prices here.

• Streaming Vouchers: Buy online streaming vouchers here and watch your favorite films and series as much as you like.

Top Up and Bill Payment Methods
• Credit Card/Debit Card.
• Installments without a credit card.
• Bank Transfer (Virtual Account).
• e-Money.
• Instant Payment.
• Mini Market (Alfamart, Alfamidi, Dan+Dan).

Online Loan Tenor and Interest Rate Information

• Minimum loan tenor of 3 months (90 days) and maximum 12 months (360 days) for loan repayment.
• Loan limits start from IDR 1,000,000 - IDR 15,000,000.
• Maximum interest rate: 8%/month (APR: 8%*12 = 96%).
• Details of provision costs:
  - 3 month loan tenor: 16%.
  - 6 month loan tenor: 20%.
  - 9 month loan tenor: 15%.
  - Loan tenor 12 months: 15%.

Example of Online Loan Calculation Simulation

If you borrow IDR 9,000,000 and pay it in installments over 9 months, here is a payment simulation:
• Amount of money borrowed: IDR 9,000,000.
• Provision fees: 15%*Rp. 4,000,000 = Rp. 1,350,000.
• Loan principal = IDR 10,350,000 (IDR 9,000,000 + IDR 1,350,000).
•Total Interest (Total Loan - Amount of money borrowed - provision fees): IDR 4,563,000 (IDR 14,913,000 - IDR 9,000,000 - IDR 1,350,000)
• By calculating the annuity interest, you get monthly installments of (Rp. 10,350,000 * 8%)/(1-(1+8%)^-9 months = Rp. 1,657,000.
• Total loan to be paid (monthly installments * tenor): 
Rp. 14,913,000
 (Rp. 1,657,000 * 9 months).

Contact Us

Jl. Tomang Raya No. 38, Jatipulo
Palmerah, West Jakarta 11430

Telephone: (021) 40000 312
Working Hours: (Monday-Friday 9:00-17:00)
Email: cs@cermati.com

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