Easycash is one of the most-downloaded OJK-licensed online lenders in Indonesia, with limits up to Rp80 million and tenors out to 360 days. The friction shows up in two places: new-user limits sit far below the headline number, and the APR cap of 24% per annum is mid-pack, not best in class. We compared seven Easycash alternatives that handle fast cash, longer tenor, and higher limits within OJK rules.
This guide is for borrowers who hit the Easycash cap, were declined, or want a cheaper rate on a small short-term loan.
Quick comparison
| App | OJK status | Limit | Tenor | Rate cap |
|---|---|---|---|---|
| AdaKami | Licensed | Up to Rp80M | 91-365 days | 36% APR |
| RupiahCepat | Licensed | Up to Rp200M | 91-510 days | 3.65% per year (low end) |
| Kredivo | Licensed | Up to ~Rp50M | 1-12 months | 2.6%/mo typical |
| KrediOne | Licensed | Up to Rp80M | 91-360 days | 36% APR |
| Adapundi | Licensed | Up to Rp100M | 91-360 days | 10.8-18% per year |
| Indodana | Licensed | Up to ~Rp50M | 1-12 months | Tiered by tenor |
| Kredit Pintar | Licensed | Up to ~Rp20M | Up to 12 months | Tiered |
Why people leave Easycash
New-user limits are well below the headline
The Rp80 million limit applies to seasoned customers with strong repayment history. First-time approvals usually land between Rp500,000 and Rp3 million. Several alternatives offer larger first-loan amounts to verified users.
24% APR is mid-pack
Easycash’s APR cap is 24% per annum. RupiahCepat advertises a 3.65% headline (with additional fees), and Adapundi tops out at 18% per annum. The headline rate is not the whole picture, but for direct comparison Easycash is not the cheapest.
Repeat borrowing flags risk scoring
Multiple short-tenor borrows in quick succession from the same provider tighten future approvals. Spreading repeat borrowing across two or three OJK lenders preserves limit headroom.
Repayment channels can be narrow
Easycash routes payments through specific bank partners (BCA, Mandiri, BRI, BNI, CIMB) and Alfamart/Alfamidi. If your payroll account is at a smaller bank, OVO or e-wallet repayment is your fallback.
The alternatives
AdaKami — Best for high limits with predictable terms
AdaKami is OJK-licensed and lists limits up to Rp80 million with tenors from 91 to 365 days. The fee structure is transparent: a 36% APR cap on interest plus a 1.42% service fee on principal. The calculator inside the app shows the per-month installment before you accept.
Where it falls short: 36% APR ceiling is higher than Adapundi or RupiahCepat. Service fees apply per disbursement.
Pricing:
- Free: Account, application, scoring
- Paid: 36% APR cap + 1.42% service fee
- vs Easycash: Higher headline limit ceiling, broader repayment partners
Migrating from Easycash: Independent OJK license, independent credit decisioning.
Bottom line: The strongest peer if you want a parallel application with a different scoring model.
RupiahCepat — Best for the lowest advertised rate
RupiahCepat advertises a 3.65% per year rate cap for qualified borrowers and limits up to Rp200 million for top-tier customers. Loan terms range from 91 to 510 days. OJK-licensed under PT IndoFin Tech Indonesia.
Where it falls short: The 3.65% rate is the floor for top-tier customers, not the average. New borrowers see higher rates closer to the standard market band.
Pricing:
- Free: Account, application
- Paid: 3.65%/year floor, higher for new users
- vs Easycash: Lower floor rate, comparable for new users
Migrating from Easycash: Independent OJK license, separate credit decisioning.
Bottom line: Worth a parallel application for the headline rate if you have repayment history.
Kredivo — Best BNPL crossover with low monthly rate
Kredivo sits between pinjol and BNPL. Approved borrowers get a credit line with 2.6% per month typical pricing and can either spend at merchants or take cash loans. The crossover use case is unique in the Indonesian market.
Where it falls short: Approval depends heavily on stable income, KTP region, and prior credit history. The cash-loan ceiling is below the headlines of Easycash or AdaKami.
Pricing:
- Free: Account, scoring, BNPL up to limit
- Paid: 2.6%/mo typical for cash loans, 0% for 30-day BNPL on participating merchants
- vs Easycash: Lower monthly rate for cash loans, BNPL adds a different use case
Migrating from Easycash: Independent OJK license.
Bottom line: The cleanest pick if BNPL plus occasional cash loan fits your spending.
KrediOne — Best for mid-tier limit and longer tenor
KrediOne (formerly 360Kredi) offers limits up to Rp80 million and tenors from 91 to 360 days under a 36% APR cap. Admin fee starts at 0.25% of principal. OJK-licensed.
Where it falls short: Similar APR cap to AdaKami. Brand recognition is lower.
Pricing:
- Free: Account, scoring
- Paid: Admin fee from 0.25%, 36% APR cap
- vs Easycash: Comparable ceiling, longer tenor band
Migrating from Easycash: Independent OJK license.
Bottom line: A solid mid-tier option if AdaKami declines you.
Adapundi — Best for lower rate cap
Adapundi is licensed under KEP-48/D.05/2021 with limits up to Rp100 million, tenors 91 to 360 days, and an interest rate band of 10.8% to 18% per year. Lower headline cap than most peers.
Where it falls short: New-user limits are conservative. The Adapundi calculator shows examples that assume a clean credit profile.
Pricing:
- Free: Account, application
- Paid: 10.8-18% per year, no additional management fee
- vs Easycash: Lower rate ceiling, larger limit ceiling
Migrating from Easycash: Independent OJK license.
Bottom line: Lowest rate ceiling among major OJK pinjol — worth applying for if you qualify.
Indodana — Best BNPL alternative
Indodana combines a cash loan product with BNPL at partner merchants. OJK-licensed. Useful as a parallel app for shopping plus occasional cash needs.
Where it falls short: Cash limit is below Easycash’s ceiling. Merchant coverage is narrower than Kredivo.
Pricing:
- Free: Account, BNPL at participating merchants
- Paid: Tiered by tenor and product
- vs Easycash: BNPL crossover, smaller cash ceiling
Migrating from Easycash: Independent OJK license.
Bottom line: A cleaner pick than Easycash if you want BNPL alongside cash credit.
Kredit Pintar — Best for smaller borrowers and faster approvals
Kredit Pintar focuses on smaller-ticket loans with faster verification cycles. OJK-licensed. Limits typically lower than Easycash, but approval rates for first-time borrowers are higher.
Where it falls short: Lower ceiling than Easycash or AdaKami. Tenor band is shorter.
Pricing:
- Free: Account, scoring
- Paid: Tiered fees, OJK rate cap
- vs Easycash: Smaller and faster, more lenient first-time scoring
Migrating from Easycash: Independent OJK license.
Bottom line: A useful fallback if you need a smaller, faster loan and bigger lenders have declined.
How to choose
Pick AdaKami for the closest peer with a transparent fee structure. Pick RupiahCepat if the headline floor rate matches your profile. Pick Kredivo if BNPL plus an occasional cash loan fits your spending.
Pick KrediOne for a mid-tier option with a longer tenor band. Pick Adapundi for the lowest rate ceiling among major OJK pinjol. Pick Indodana for a BNPL crossover. Pick Kredit Pintar for smaller, faster loans where bigger lenders decline.
Stay on Easycash if it has already approved you with a workable rate, your repayment account is one of its partners (BCA, Mandiri, BRI, BNI, CIMB), and you do not need more than the Rp80 million ceiling. The 24% APR cap is mid-pack, not bad.
Borrow responsibly. Compare the calculated installment, not just the headline rate, and avoid stacking short-tenor loans across multiple providers — credit bureaus see the pattern.
FAQ
Is Easycash legal in Indonesia?
Yes, Easycash is OJK-licensed (KEP-49/D.05/2020). Always verify the licence number in the OJK official list before borrowing from any pinjol.
Which OJK pinjol has the lowest interest rate?
Adapundi caps at 10.8-18% per year. RupiahCepat advertises 3.65% as a floor for top-tier customers, but the average APR for new borrowers tracks closer to the OJK 0.3% per day daily cap.
Can I borrow from multiple pinjol at once?
Technically yes, but credit bureaus see the application pattern. Multiple parallel applications can tighten future approvals. Two active OJK lenders is generally fine; five is a red flag.
Are these pinjol safe?
All seven are OJK-licensed and required to follow OJK rules on rate caps, data handling, and collection practices. Always verify the license number on the OJK website (ojk.go.id) before borrowing.
What is the cheapest Easycash alternative for a small loan?
For loans under Rp3 million, Kredit Pintar and Adapundi typically work out cheapest. RupiahCepat is only competitive at the top tier.
Can I repay Easycash early?
Yes. Early repayment is supported via ATM transfer, mobile banking, OVO, Alfamart, and Alfamidi. Interest stops accruing at the date of full repayment.
