Bank Neo Commerce provides a loan facility through the neobank application called Neo Pinjam. This product allows customers to apply for loans digitally directly from the application without visiting a bank branch.

What Is Neo Pinjam?

Neo Pinjam is a loan product from Bank Neo Commerce that can be applied for through the neobank application.

This product is part of the digital banking services available in the neobank app, alongside other services such as savings accounts, deposits, and payment transactions.

Because it is issued by a bank, the credit distribution of Neo Pinjam follows banking regulations and prudent credit analysis principles.

Is neobank a Loan App (Pinjol)?

No.

neobank is not an online lending (pinjol) application.

neobank is a digital banking application from Bank Neo Commerce that provides various financial products, including:

• Savings accounts
• Deposits
• Transfers and payments
• Loan products such as Neo Pinjam

Can You Borrow Money from Bank Neo?

Yes. Through the neobank application, customers can apply for loans using Neo Pinjam.

Some general characteristics of Neo Pinjam include:

• Unsecured loans
• Loan limits of up to IDR 100,000,000 (based on credit analysis results)
• Loan tenors from 1 to 24 months
• Applications submitted entirely through the app
• Daily interest starting from 0.06% flat per day (subject to applicable terms and credit approval)

Interest rate information as of 6 March 2026.

The loan limit, interest rate, and tenor may vary for each customer as they are determined based on the bank’s creditworthiness evaluation.

In addition to interest, loans may include other cost components such as provision fees and service fees in accordance with applicable terms. Full cost details are available in the loan simulation before disbursement and in the Credit Agreement.

How Long Does Neo Pinjam Take to Disburse?

Neo Pinjam applications are submitted entirely through the neobank application.

The loan disbursement process depends on several factors, including:

• Completeness of application data
• Credit analysis results
• Internal bank policies

Because each application goes through a credit evaluation process, there is no guaranteed disbursement time.

General Requirements for Neo Pinjam Applications

Some basic requirements include:

• Indonesian citizen
• Age 21–55 years
• Possess a valid identity document (e-KTP)
• Complete the required data and verification process
• No problematic credit history

Loan approval depends entirely on the bank’s credit analysis results.

How to Apply for Neo Pinjam

Neo Pinjam applications can be submitted directly through the neobank application with the following steps:

1. Open the neobank application
2. Select the Loan menu
3. Choose Apply for Limit
4. Read and agree to the privacy policy
5. Upload a photo of your ID card (KTP)
6. Complete face verification
7. Fill in additional required information
8. Click Submit
9. Wait for the credit analysis process

If the application is approved, customers can proceed with the loan disbursement according to the available limit.

Risks to Consider Before Applying for a Loan

Every credit product carries certain risks that customers should understand.

Default Risk

Late payments may incur penalties and be recorded in the Financial Information Service System (SLIK).

Interest Burden

Loans require repayment of principal and interest according to the agreed tenor.

Impact on Credit Score

Repayment history may affect future credit eligibility assessments.

Therefore, it is important to:

• calculate repayment ability
• read the terms and conditions
• understand the installment simulation before applying for a loan

FAQ

Can you borrow money from neobank?

Yes. Bank Neo Commerce provides loan facilities through the Neo Pinjam product in the neobank application.

Is neobank a loan app (pinjol)?

No. neobank is a digital banking application from Bank Neo Commerce, not an online lending service.

Is Neo Pinjam supervised by OJK?

Yes. Neo Pinjam is a credit product from a bank licensed and supervised by the Financial Services Authority (OJK).

How long does Neo Pinjam take to disburse?

The disbursement process depends on credit analysis results and the completeness of application data. There is no guaranteed disbursement time.

Does neobank provide loans?

Yes. Loans are available through Neo Pinjam, with tenors of up to 24 months, subject to credit approval.

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If you would like to explore available products, you can check them through neobank on the PlayStore or App Store.
For more information, visit: https://s.id/neopinjamig

PT Bank Neo Commerce Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Indonesia Deposit Insurance Corporation (LPS).