Loan limits in neobank (Neo Pinjam) are determined based on the bank’s credit analysis results, including credit scores in SLIK OJK and account usage activity. Not all customers immediately receive the maximum limit, and disbursement follows the bank’s creditworthiness evaluation policies.

Can neobank Provide Loans?

Bank Neo Commerce offers a credit product called Neo Pinjam through the neobank application.

Neo Pinjam is a bank loan product, not an online lending service. Bank Neo Commerce is licensed and supervised by the Financial Services Authority (OJK) as a commercial bank.

What Is the Loan Limit in neobank?

A loan limit is the maximum amount of funds that can be applied for and disbursed, based on the bank’s credit analysis results.

Example:

• Maximum limit: IDR 100 million
• You may choose to withdraw only part of it, for example IDR 10 million
• The remaining limit stays available according to the applicable terms

A loan limit does not mean the entire amount must be used.

Neo Pinjam loan limits can reach up to IDR 100,000,000, depending on the credit decision.

However, the maximum limit does not mean the entire amount will automatically be disbursed.

The limit shown in the application represents the maximum amount approved based on the customer’s credit profile evaluation.

Why Is My Credit Limit Not the Full Amount?

Credit limits are determined based on several main factors.

Credit Score in SLIK OJK

Banks perform checks through the Financial Information Service System (SLIK) of OJK.

If there are:

• Late payment history
• Defaulted credit
• High existing installment obligations

the approved limit may be lower or the application may not be approved.

Repayment Capacity (Debt Service Ratio)

Banks evaluate:

• Monthly income
• Total ongoing loan installments
• The balance between income and debt obligations

If the requested loan amount is considered too large compared to repayment capacity, the limit will be adjusted.

Activity in the neobank Account

Loan limits may also be influenced by:

• Transaction activity
• Account usage history
• Consistency of login and feature usage

Customers who actively use the account generally have a stronger financial profile for credit evaluation.

Why Is My Loan Amount Smaller Than What I Applied For?

There may be several reasons, but it usually occurs due to two possibilities.

System Adjustment During Disbursement

The initial limit may change after the final credit analysis before disbursement.

Simulation vs. Final Credit Decision

Installment simulations are estimates only.

The final credit decision may differ depending on the risk evaluation results.

These measures are implemented to maintain banking prudence principles and reduce the risk of non-performing loans.

What Are the Disbursement Terms for Neo Pinjam Limits?

Important points include:

Limit Determined Based On

• SLIK OJK credit score
• Risk profile
• Activity in the neobank account

Disbursement Only to neobank Regular Savings Account

Approved funds will be transferred to the customer’s Tabungan Reguler account in the neobank application.

Flexible Tenor Options

Available loan tenors include:

• 1 month
• 3 months
• 6 months
• 9 months
• 12 months
• 18 months
• 24 months

Tenor availability may vary depending on the credit decision results.

Interest Starting From 0.06% Flat Per Day

Interest rates and installment simulations may change based on the final credit decision.

Interest information as of 6 March 2026.

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

Why Can Loan Applications Be Delayed or Rejected?

Some common reasons include:

• Unclear or incomplete documents
• Poor credit history
• Not meeting age or employment requirements
• Inactive phone number
• Requested loan amount not aligned with repayment capacity

Because banks must apply prudential banking principles, every application goes through a creditworthiness evaluation process.

Why Is Credit Analysis Strict

According to OJK’s Indonesian Banking Statistics, the Non-Performing Loan (NPL) ratio is a key indicator in maintaining banking system stability.

This means banks must conduct careful credit analysis to ensure the risk of default remains controlled.

Therefore, loan limits are not always granted in full to every applicant.

Neo Pinjam limits are determined based on SLIK OJK credit evaluation and account activity, rather than automatically granting the maximum amount.

Loan disbursement is made to the neobank regular account after credit approval.

Before applying, customers should read and understand the applicable terms and conditions.

FAQ

What is the loan limit in neobank?

Up to IDR 100 million, depending on the bank’s credit decision.

Can neobank provide loans?

Yes, through the Neo Pinjam product.

Why is my loan limit not the full amount?

Because it is determined based on SLIK OJK credit score, repayment capacity, and risk profile.

Why is the loan amount smaller than what I applied for?

The bank may adjust the amount based on the final credit analysis results.

What does loan limit mean?

It is the maximum amount of funds that can be applied for based on the bank’s approved credit limit.

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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).