# AsetKu - Digital Lending — Licensed and supervised by OJK

> Licensed digital lending platform for secure, collateral-free loans. (iPhone/iPad app by PT. PINTAR INOVASI DIGITAL.)

- Source: https://appshunter.io/ios/app/asetku-digital-lending/id1300452602 (this page in markdown: same URL + `.md`)
- Developer: [PT. PINTAR INOVASI DIGITAL](https://appshunter.io/developer/1703530449)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 17 App Store ratings · 53 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 111 MB
- Languages: American English, Indonesian
- Released: 2017-10-26
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/asetku-digital-lending/id1300452602/reviews.md

## What is AsetKu?

Application Name : AsetKu - Digital Lending
Description :
AsetKu is an digital Lending (Borrowing) platform licensed and supervised by OJK (Financial Services Authority) under Business License No. KEP-123/D.05/2021. It is also a member of AFPI, the association officially appointed by OJK as the official platform for Technology-Based Joint Funding Services. AsetKu offers user-friendly online services 24/7 to meet your lending or borrowing needs anytime, anywhere. Secure Consumptive Loan Solutions that offer safe loan services in full compliance with the regulations of the Financial Services Authority (OJK).

Flexible Loan Options:
Loan amounts ranging from Rp 150,000 to Rp 15,000,000.
A variety of repayment terms, from 91 to 365 days.

Transparency of Costs:
Maximum daily interest rate of 0.3%.
Maximum Annual Percentage Rate (APR): 109.5%.
In accordance with OJK regulations, total interest, fees, and late charges will not exceed 100% of the initial loan principal.

Loan Simulation Example:
A loan of Rp 1,000,000 with a term of 91 days will result in a total repayment of Rp 1,273,000.

Why Choose AsetKu?
No collateral required.
100% digital, easy and simple verification process.
Loan is disbursed upon approval.
Competitive interest rate at max. 0.3% per day.
No hidden fees.
ISO 27001 certified for information security and ISO 27701 certified for data privacy management.

Terms and Conditions :
Indonesian citizen (WNI).
At least 18 years old.
Possesses a valid ID and bank account.

How to Apply for a Loan on AsetKu:
1. Download the AsetKu app.
2. Fill in your personal information.
3. Apply for a loan limit.
4. Wait for the verification process.
5. Once approved, the loan will be disbursed directly to your bank account.

AsetKu is licensed and regulated by OJK and holds ISO 27001 and ISO 27701 certifications.

Contact Us
Email : 
loan@asetku.com (for Lenders / Borrowers) and
cs@asetku.com (for Lenders / Borrowers)
Phone : 
(021) 1500116
Address : 
PT. Pintar Inovasi Digital (AsetKu)
Sequis Tower, Lantai 18 Unit 1-7, Jalan Jend. Sudirman No. 71,
Kel. Senayan, Kec. Kebayoran Baru, Kota Adm. Jakarta Selatan,
Daerah Khusus Ibukota Jakarta 12190

## Key features

- Collateral-free loans
- Flexible loan amounts (Rp 150,000 - Rp 15,000,000)
- Repayment terms (91-365 days)
- Transparent interest rates (max 0.3% daily)
- 100% digital verification
- Fast loan disbursement
- ISO 27001 & 27701 certified

## Recent user reviews (10 of 53)

All indexed reviews: https://appshunter.io/ios/app/asetku-digital-lending/id1300452602/reviews.md

### 5/5 — apk asetku

*2025-11-10, version 4.1.23*

apk nya bagus prosed cepat terpercaya dan transparan,tim nya sangat membantu disetiap pengerjaan pkoknya thebest

### 1/5 — Jangan salah gunakan data saya!

*2025-11-07, version 4.1.23*

Jumat 7 november 2025 pengajuan saya ditolak jika ada masalah diapk ini saya tidak akan bertanggung jawab dan tolong jangan disalah gunakan data saya

### 5/5 — 🤩

*2025-10-31, version 4.1.23*

Makasih sangat membantu🤩🤩

### 1/5 — minus

*2025-10-27, version 4.1.23*

cacat gabisa terus di upload ktp jaringan 5g masih aja muter sampe sejam

### 5/5 — Review

*2025-10-26, version 4.1.23*

aplikasi pinjaman paling simple dan mudah cair jadi yg butuh dana dadakan atau darurat cocok buat mampir ke aplikasi inii dan aman diawasin sama OJK terdaftar juga pulaaa

### 1/5 — kimikkij

*2025-10-26, version 4.1.23*

kenapa pas sampai langkah terakhir gak bisa disimpan dan tidak bisa masuk

### 4/5 — Gak bisa up KTP

*2025-10-25, version 4.1.23*

knpa setiap upload ktp selalu loading terusss gk pernah berhasil

### 1/5 — apk lawak

*2025-10-02, version 4.1.23*

ngajuin limit ampe 4 kali di tolak mulu, nulis kecamatan cipondoh keluarahn cipondoh nya ga tertera di pilihan. lawak banget ni aplikasi kocak kocak

### 1/5 — Pendaftaran yang berulang

*2025-09-30, version 4.1.23*

Pendaftarannya gjls udh 4 kali daftar tapi g lolos muluu,saran aja min kalau bisa hapus data” saya

### 5/5 — bagus

*2025-09-27, version 4.1.23*

gampang dipake, proses cepat dan jelas.. memuaskan pokoknya

## Frequently asked questions about AsetKu

### What is AsetKu - Digital Lending?

AsetKu is a digital lending platform licensed and supervised by OJK (Financial Services Authority) in Indonesia. It offers secure and user-friendly online services for borrowing money, with loan amounts ranging from Rp 150,000 to Rp 15,000,000.

### What are the key features of AsetKu?

Key features include collateral-free loans, flexible repayment terms from 91 to 365 days, and a maximum daily interest rate of 0.3%. The platform boasts a 100% digital and simple verification process, with loans disbursed directly to your bank account upon approval.

### How much does it cost to use AsetKu?

The app itself is free to download and use. The costs associated with borrowing are transparent, with a maximum daily interest rate of 0.3% and a maximum APR of 109.5%. Total interest, fees, and late charges will not exceed 100% of the initial loan principal.

### Who is eligible to apply for a loan on AsetKu?

To be eligible for a loan, you must be an Indonesian citizen (WNI), at least 18 years old, and possess a valid Indonesian ID and a bank account.

### How do I apply for a loan?

To apply, download the AsetKu app, fill in your personal information, apply for a loan limit, and wait for the verification process. Once approved, the loan will be disbursed directly to your bank account.

## Version history (last 5 releases)

### 4.1.25 — 2026-02-10

Known bugs fixed and performance improved.

### 4.1.24 — 2026-01-15

Known bugs fixed and performance improved.

### 4.1.23 — 2025-05-16

Known bugs fixed and performance improved.

### 4.1.22 — 2025-04-10

Known bugs fixed and performance improved.

### 4.1.21 — 2024-11-11

Known bugs fixed and performance improved.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*