Akulaku: Loan & PayLater

💳 Akulaku: Online Loans, PayLater & Installments in One App

Need extra funds or want to shop and pay in installments? Akulaku brings online loans, PayLater, and installment options together in one app, helping you manage everyday financial and shopping needs. New users may get a chance to enjoy ultra-low or interest-free offers!

💰 Loan & Financing Information

• Cash loan amount: Rp300,000–Rp40,000,000
• Loan term: 3–12 months (91–365 days)
• Minimum repayment period: 3 months
• Maximum APR: 24% per year

Akulaku financing services are provided by PT Akulaku Finance Indonesia, a company registered and regulated by the Indonesian Financial Services Authority (OJK), under license KEP-436/NB.11/2018.

🛍 More Ways to Shop, Pay & Access Funds

• Get cash from your credit limit: Access a cash loan of up to Rp40,000,000 to support your everyday financial needs.

• Buy now, pay later: Get PayLater of up to Rp25,000,000 with installment terms of up to 12 months, available across platforms and merchants including Shopee, Lazada, Tokopedia, DANA, Tiket.com, Bukalapak, Blibli and Alfamart.

• Flexible installments: Pay in installments for smartphones, mobile credit, data packages, movie tickets and flight tickets, as well as water and electricity bills.

• Shop from 90,000+ merchants: Explore digital products, laptops, cameras, fashion, home & living, baby products and more, including leading brands such as Xiaomi, Samsung, OPPO and VIVO.

• In-store installments: Enjoy installments of up to Rp20,000,000, with rates starting from 0% and tenors up to 12 months at partner stores including iBox, Digimap, Digiplus, Blibli, Erafone, Era Blue, and Hartono.

• Convenient payments: Use QRIS and Virtual Account (VA) for a convenient and flexible payment experience.

📦 A More Convenient Shopping Experience

Enjoy a wide selection of products, daily deals and flexible payment options.

✓ Delivery within 48 hours in Greater Jakarta
✓ 7-day return option after receiving your order
✓ Refunds automatically transferred to your bank account within 24 hours

🧮 Loan Calculation Example

For a Rp2,000,000 loan with a 3-month term and a 24% annual interest rate:

Total interest:
Rp2,000,000 × (24% ÷ 12) × 3 = Rp120,000

Total repayment:
Rp2,000,000 + Rp120,000 = Rp2,120,000

Monthly repayment:
Rp2,120,000 ÷ 3 = approximately Rp706,666.67

This is an example calculation. Your actual loan amount, term, interest, fees and repayment amount will be shown in the app and determined based on applicable terms and assessment results.

☎ Customer Support & Official Channels

Need help? Contact Akulaku through our official channels:

Customer Hotline: 1500920 (24 hours)
Live Chat: Akulaku app → Account (24 hours)
WhatsApp: +62 811-1912-0548 (chatbot)

Website: www.akulaku.com
Facebook: AkuLakuIndonesia
Instagram: @akulaku_id
YouTube: Akulaku Indonesia (@AkulakuIndonesia)
Twitter/X: @akulakuID

🏢 Company Information

PT Akulaku Finance Indonesia
Registered Address: Sahid Sudirman Center 11C, Jl. Jend. Sudirman No. 86, RT.10/RW.11, Karet Tengsin, Tanah Abang, South Jakarta, Jakarta Capital Special Region 10250, Indonesia

🔐 Account Security

Please contact us only through official Akulaku customer service channels. Akulaku will never ask for your password or One-Time Password (OTP).

Never share your password, OTP or other account security information with anyone.

Download Akulaku today and enjoy financial services, shopping and payments in one app.

Recent changes:
1. Known bug fixed and user experience improved.