AsetKu vs ASTRAPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AsetKu
This platform offers secure, digital lending services with flexible loan options and transparent costs. It provides a user-friendly experience for borrowing money anytime, anywhere, without requiring collateral. All operations are licensed and supervised by OJK.
- 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
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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
ASTRAPAY
This digital payment solution simplifies daily transactions for bills, transportation, and daily needs. It offers convenient QRIS payments, bill settlements for various services, and easy top-ups. Earn rewards and transfer funds seamlessly.
- QRIS payments
- Bill and service payments
- Transportation payments
- Top-up options
- Fund transfers
- AstraPoints rewards
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Dari kebutuhan harian, bulanan, sampe tahunan #APAAJAASTRAPAY Selalu percayakan AstraPay sebagai solusi pembayaran digital di kehidupan sehari-harimu! Mulai dari memenuhi kebutuhan rumah tangga, bayar servis kendaraan, transportasi untuk pergi ke kantor, bayar asuransi hingga nongkrong di cafe yang aesthetic. Sekarang, kamu bisa bayar apa aja dengan simple, aman dan bikin kamu lebih untung karena AstraPay will always makes your day. Yuk, intip ada fitur-fitur apa aja di AstraPay: Bayar Apapun Lebih Simple Pake Scan QRIS Sekarang, Gak perlu worry lupa bawa dompet pas lagi nongkrong karena ada AstraPay yang memudahkan pembayaranmu. Transaksi lebih simple, nyaman dan aman. Bayar Ini Itu Jadi Lebih Gampang Siapa di sini yang panik kalau lampu rumah tiba-tiba mati tengah malam, pulsa mau habis saat doi minta call, kartu e-money ketinggalan pas mau naik MRT, mau masak tapi persediaan di kulkas habis, badan gaenak badan tapi mager pergi ke dokter? Nih, ada AstraPay yang bikin kamu gak panik lagi kalau kejadian tadi terjadi. - Kamu bisa bayar/beli Pulsa, Paket Data, Pascabayar, Voucher Game, Telkom, Internet, TV Kabel, PLN, PDAM, PGN, Pertagas, Donasi & Zakat, Asuransi, dan PBB dari rumah aja pake AstraPay. - Lebih nyaman naik transportasi umum tanpa takut ketinggalan kartu karena bisa bayar MRT Jakarta, TransJakarta, Trans Jateng, Trans Jatim, Trans Jogja, Trans Semarang, Trans Batam hingga Daytrans pake AstraPay - Kebutuhan harian jadi lebih hemat pakai promo dari AstraPay di SayurBox, Segari, AlloFresh, dan Halodoc. Bayar Angsuran Astra Group dan Lainnya Sekarang kamu cuma butuh satu aplikasi untuk bayar angsuran Astra Group seperti FIFGROUP, TAF, ACC, Maucash, serta tagihan bulanan, pajak dan masih banyak lagi. Top-up Tanpa Ribet Saldo AstraPay kamu kurang? Tenang, gak usah panik! Kamu bisa top-up saldo AstraPay lewat ATM, internet banking, atau m-banking dengan +10 bank rekanan AstraPay termasuk Bank Permata, BCA, BNI, CIMB Niaga, dan bank lainnya atau kamu bisa langsung meluncur ke Alfamart terdekat. Transfer ke Sesama Pengguna Sekarang, mau transfer uang untuk orang tua, istri, anak, atau doi, semua bisa kamu lakukan dengan fitur Transfer Sesama Pengguna nih, lebih cepat dan pastinya tidak ada biaya admin! Kumpulin AstraPoints Sebanyak-banyaknya 1 AstraPoints = 1 Rupiah. Yuk, kumpulin AstraPoints sebanyak-banyaknya dan tukarkan dengan voucher menarik untuk nonton, belanja, jalan-jalan dan nongkrong di cafe ternama. Temukan keasikan dalam menggunakan AstraPay untuk keseharianmu Karena mulai kebutuhan harian, bulanan sampe tahunan #APAAJAASTRAPAY!
Screenshots
Verdict
The clearest difference is rating: AsetKu at 4.6 against ASTRAPAY's 4.0. AsetKu also leads on review sentiment (57% vs 38%) and ratings volume (17 vs 4). ASTRAPAY's advantage is update cadence (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AsetKu holds the better App Store score, 4.6 against 4.0. Both are backed by a comparable volume of ratings — 17 and 4 respectively. Written reviews point the same way: 57% of AsetKu's written reviews are positive against 38% of ASTRAPAY's.
AsetKu ships an update every 2 months, ASTRAPAY fortnightly. The most recent releases landed on September 19, 2026 and September 16, 2026 respectively.
| Parameter | AsetKu | ASTRAPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (17 ratings) — better | 4.0 (4 ratings) |
| Positive reviews | 56.6% of reviews — better | 37.9% of reviews |
| Number of ratings | 17 — better | 4 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.6 |
| Further details — not scored | ||
| Size | 111 MB | 136 MB |
| Age rating | 4+ | 4+ |
| Developer | PT. PINTAR INOVASI DIGITAL | ASTRA DIGITAL ARTA, PT |
Customer experience
AsetKu
ASTRAPAY
In-app purchases
AsetKu
No in-app purchases
ASTRAPAY
No in-app purchases









