CIMB Niaga (loans): verified facts and rating
Checked 2026-10-31
Score breakdown
79% backed by facts · How we rank
CIMB Niaga (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference78%110%99% · median 100%
Support hours a week168 h168 h168 h · median 168 h
Maximum amount, % of country reference40%600%120% · median 90%
Longest term36 mo180 mo60 mo · median 48 mo
CIMB Niaga (loans) strengths and weaknesses
Pros
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
- New customers can apply online
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | Not verified | — | |
| Licensed by the regulator | Yes PT Bank CIMB Niaga Tbk berizin & diawasi oleh Otoritas Jasa Keuangan & Bank Indonesia serta merupakan Peserta Penjaminan LPS | cimbniaga.co.id | 2026-10-31 |
| Published rate, % of country reference | 99% Suku Bunga Mulai dari 0.88% - 1.79% flat per bulan; Rate (flat / bulan) 0.88%, Rate (efektif / tahun) 18.95% (12 Bulan) · flat 0.88% per month · index 100 = 0.89% flat per month (median at launch) | cimbniaga.co.id | 2026-10-31 |
| Free early repayment | No Biaya Pelunasan Dipercepat 7% dari outstanding | cimbniaga.co.id | 2026-10-31 |
| No arrangement fee | No Biaya Administrasi* 0% atau 4%; *) Biaya Administrasi 0% berlaku untuk pembiayaan atas pembelian barang/jasa. | cimbniaga.co.id | 2026-10-31 |
| Fees or terms published | Yes Ringkasan Informasi Produk dan Layanan (RIPLAY) Versi Umum - Xtra Dana; Biaya Administrasi, Biaya Pemeliharaan Bulanan, Biaya Keterlambatan, Biaya Pelunasan Dipercepat | cimbniaga.co.id | 2026-10-31 |
| Complaints procedure | Yes Prosedur penyampaian pengaduan Personal Banking | cimbniaga.co.id | 2026-10-31 |
| Online application for new customers | Yes Cara Mudah Ajukan XTRA Dana via Digital Web Form ... 3. Ajukan aplikasi di Online Form, proses cepat bisa di hari yang sama; Kriteria Nasabah: Nasabah Kartu Kredit Bank Lain 1.19 - 1.59%; Nasabah Pegawai (Salaried) 1.59% - 1.79% | cimbniaga.co.id | 2026-10-31 |
| Support hours a week | 168 h Ask OCTO. Layanan CIMB Niaga Online 24 Jam. Dapatkan bantuan perbankan kapan saja melalui Aplikasi OCTO dan WhatsApp. Mulai 1 Juli 2026, layanan CIMB Niaga 14041 akan beralih sepenuhnya ke Ask OCTO melalui Aplikasi OCTO atau WhatsApp. | cimbniaga.co.id | 2026-10-31 |
| Maximum amount, % of country reference | 120% Limit Kredit Rp 5.000.000 s/d Rp 300.000.000 · max 300000000 IDR · index 100 = 250000000 IDR (median at launch) | cimbniaga.co.id | 2026-10-31 |
| Longest term | 60 mo Tersedia pilihan cicilan mulai dari 1 hingga 5 tahun | cimbniaga.co.id | 2026-10-31 |
Compare CIMB Niaga (loans)
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