Bank Mega (loans): verified facts and rating
Licensed since: 1969 Checked 2026-10-31
Score breakdown
77% backed by facts · How we rank
Bank Mega (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Longest term36 mo180 mo36 mo · median 48 mo
Bank Mega (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1969 *Sesuai Surat Keputusan Menteri Keuangan Republik Indonesia no.D.15.6.5.48 tertanggal 15 Agustus 1969 perihal ijin melakukan usaha bank atas nama PT Bank Karman | bankmega.com | 2026-10-31 |
| Licensed by the regulator | Yes Bank Mega Berizin dan Diawasi oleh Otoritas Jasa Keuangan & Bank Indonesia serta merupakan peserta penjaminan LPS | bankmega.com | 2026-10-31 |
| Published rate, % of country reference | Not verified | — | |
| Free early repayment | No Biaya Pelunasan Dipercepat 7% (tujuh persen) dari sisa pokok pinjaman. | bankmega.com | 2026-10-31 |
| No arrangement fee | No Biaya Provisi (Dikenakan per Tahun) 2% (dua persen) dari limit kredit. | bankmega.com | 2026-10-31 |
| Fees or terms published | Yes Biaya-biaya Mega Cash Line: Biaya Provisi, Biaya Kenaikan Limit Sementara Rp75.000,-, Biaya Kenaikan Limit Permanen Rp125.000,-, Biaya Administrasi Pengajuan Cicilan, Biaya Pelunasan Dipercepat, Biaya Keterlambatan, Biaya Billing Statement | bankmega.com | 2026-10-31 |
| Complaints procedure | Yes Mekanisme Penanganan Pengaduan; Penyampaian Keluhan Nasabah; Formulir Keluhan Nasabah | bankmega.com | 2026-10-31 |
| Online application for new customers | Yes Nasabah dapat mengajukan Mega Cash Line melalui: Aplikasi M-Smile ... Jika Nasabah belum memiliki tabungan dan belum mengisi rekening penerimaan dana, maka Nasabah akan melakukan Apply Tabungan. | bankmega.com | 2026-10-31 |
| Support hours a week | Not verified | — | |
| Maximum amount, % of country reference | Not verified | — | |
| Longest term | 36 mo Cicilan tetap dengan bunga kompetitif, tersedia pilihan tenor 12, 24, dan 36 bulan. | bankmega.com | 2026-10-31 |
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