Usually poor OJK credit rating (collectibility 3+), installment ratio >40% of income, or <1 year tenure. Fix by clearing arrears & keeping installments <35%.

Can KTA be used for business?

Yes, but limits are small. For >IDR 50M, choose a Business Loan with 6-month business reports — lower rate at 0.85%.

Personal Loan · 5 min · 2026-08-30

Unsecured Personal Loan (KTA): Requirements & Tips to Get Approved in 24 Hours

Q: What is the KTA limit?

IDR 5–300M, tenor 12–60 months, 0.9–1.2% per month flat. No collateral — just ID, tax ID, 3-month payslip & bank statement.

Q: Can KTA be used for business?

Yes, but limits are small. For >IDR 50M, choose a Business Loan with 6-month business reports — lower rate at 0.85%.

Summary

Requirements: national ID, tax ID, 3-month payslip and 3-month bank statement, age 21–60, min income IDR 4M/month, OJK credit collectibility 1–2. Limit IDR 5–300M, tenor 12–60 months, rate 0.9–1.2% per month flat. Improve your odds: keep installments below 35% of income, clear arrears, and apply via your payroll bank.

Required documents

Employees: ID, tax ID, 3-month payslip, 3-month bank statement, employment letter. Entrepreneurs: ID, tax ID, business license (SIUP/NIB), 6-month business report & bank statement.

Limit & installment table (1%/month)

Limit	Tenor	Monthly	Key requirement
IDR 20M	24 mo	IDR 1.03M	Clean credit
IDR 50M	36 mo	IDR 1.92M	Income ≥IDR 4M
IDR 150M	60 mo	IDR 4.00M	Payroll bank

Why is KTA rejected and how to fix it?

Three common reasons: poor OJK record, installment ratio >40%, short tenure. Check your OJK record (iDebKu) for free, pay off overdue credit cards, wait one month after settlement before reapplying.

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FAQ

What is the KTA limit?

IDR 5–300M, tenor 12–60 months, 0.9–1.2% flat. No collateral.

Why was I rejected?

Poor OJK rating (3+), ratio >40%, tenure <1 year. Fix your record and keep installments <35%.