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Indosaku-Pinjaman Cicilan Uang icon

Indosaku installment-loan data API

PT. INDOSAKU DIGITAL TEKNOLOGI · Lending 4.8 ★

Open on Google Play

Indosaku-Pinjaman Cicilan Uang is the Android installment cash-loan client of PT. INDOSAKU DIGITAL TEKNOLOGI, operating as PT Sens Teknologi Indonesia, licensed by Indonesia’s OJK under KEP-86/D.05/2021 (31 August 2021) and ISO 27001 certified, with offices at Ruko Spectra, Jl. Jalur Sutera Kav. 23B No. 1–2, Kota Tangerang, Banten 15143. Borrowers apply for unsecured Rupiah cash of IDR 500,000–80,000,000 over 3, 6 or 12 months (91–365 days) at a published maximum annual interest of 36% plus a 1.42% service fee on principal — an IDR 2,000,000 six-month example totals IDR 2,530,400. Applicants must be Indonesian citizens aged 21–55 with a steady income and an own-name savings account, complete KTP e-KYC with face liveness, pick a disbursement bank, repay through a virtual account, and re-borrow after clearing; coupons, auto-reloan and a home-limit increase track sit on the same client. Google Play lists a 4.8 rating across 547,729 reviews; customer service is [email protected] / 021-50102321 (09:00–18:00 daily). The app competes with Easycash, Tunaiku, Kredivo and PinjamanGo for Indonesian pinjaman online users.

Home-limit cards publish loanAmountMin against loanAmountMax as loanAmountDisplay, with tenorPeriodDisplay, quotaDisplay, totalLimitDisplay and orderCountDisplay. KYC rows stamp kycVerified on idCardNum and idCard, then a liveness step returns faceProcessId plus an upload url and object key.

Quick-apply commits orderId with bankAccountDisplay, bankNameDisplay, disbursementDisplay and autoReloanState. Coupon wallets list userCouponId, couponName, couponStatus and couponAmountDisplay; VA repayment screens pin dueTime to the same orderId. Collection desks and lending-stack bots stitch those fields into VA matching and limit monitors; openData Studio turns the same surface into callable open data.

Screenshots

  • Indosaku-Pinjaman Cicilan Uang screenshot 1
  • Indosaku-Pinjaman Cicilan Uang screenshot 2
  • Indosaku-Pinjaman Cicilan Uang screenshot 3
  • Indosaku-Pinjaman Cicilan Uang screenshot 4
  • Indosaku-Pinjaman Cicilan Uang screenshot 5
  • Indosaku-Pinjaman Cicilan Uang screenshot 6
  • Indosaku-Pinjaman Cicilan Uang screenshot 7

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

  • OTP send

    POST /v1/auth/challenge osint

    Sends a one-time code to otp_send_phone using otp_send_code_type (SMS or similar) before the session is minted.

    Auth: Unauthenticated. JSON body otp_send_phone and otp_send_code_type.

    • otp_send_phone
    • otp_send_code_type
    • ttlSec
    POST /v1/auth/challenge HTTP/1.1
Content-Type: application/json

{
  "otp_send_phone": "081234567890",
  "otp_send_code_type": "sms"
}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "otp_send_phone": "081234567890",
    "otp_send_code_type": "sms",
    "ttlSec": 60
  }
}

  • OTP verify session

    POST /v1/sessions/exchange osint

    Exchanges otp_send_phone and the SMS code for accessToken, userId and phoneNumber used on later calls.

    Auth: Unauthenticated. JSON body otp_send_phone and the SMS code. Returns accessToken for later Authorization headers.

    • otp_send_phone
    • verifyCode
    • accessToken
    • userId
    • phoneNumber
    POST /v1/sessions/exchange HTTP/1.1
Content-Type: application/json

{
  "otp_send_phone": "081234567890",
  "verifyCode": "483920"
}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "accessToken": "<accessToken>",
    "userId": "10086001",
    "phoneNumber": "081234567890"
  }
}

  • Signed-in borrower profile

    POST /v1/members/me opendata

    Returns the signed-in borrower record: userId, phoneNumber, accountName, kycVerified, idCard and idCardNum.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • userId
    • phoneNumber
    • accountName
    • kycVerified
    • idCard
    • idCardNum
    POST /v1/members/me HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "userId": "10086001",
    "phoneNumber": "081234567890",
    "accountName": "Budi Santoso",
    "kycVerified": true,
    "idCard": "KTP",
    "idCardNum": "3174010101900001"
  }
}

  • KYC upload URL

    POST /v1/identity/uploads opendata

    Mints a KYC object-store slot: isSuccess, url, key, filePath, src, uploadFile and faceProcessId for the KTP photo or liveness still.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • isSuccess
    • url
    • key
    • filePath
    • src
    • uploadFile
    • faceProcessId
    POST /v1/identity/uploads HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{
  "src": "ktp_front",
  "uploadFile": "ktp.jpg"
}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "isSuccess": true,
    "url": "https://cdn.example/kyc/put",
    "key": "kyc/10086001/ktp_front.jpg",
    "filePath": "kyc/10086001/ktp_front.jpg",
    "src": "ktp_front",
    "uploadFile": "ktp.jpg",
    "faceProcessId": "fp_9a21"
  }
}

  • Home credit limit

    POST /v1/credit/overview openfinance

    Loads the home-screen limit card: loanAmountMin, loanAmountMax, loanAmountDisplay, loanMetaDisplay, tenorPeriodDisplay, quotaDisplay, totalLimitDisplay and orderCountDisplay.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • loanAmountMin
    • loanAmountMax
    • loanAmountDisplay
    • loanMetaDisplay
    • tenorPeriodDisplay
    • quotaDisplay
    • totalLimitDisplay
    • orderCountDisplay
    POST /v1/credit/overview HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "loanAmountMin": 500000,
    "loanAmountMax": 80000000,
    "loanAmountDisplay": "Rp 8.000.000",
    "loanMetaDisplay": "Cicilan 6 bulan",
    "tenorPeriodDisplay": "6 bulan",
    "quotaDisplay": "Rp 8.000.000",
    "totalLimitDisplay": "Rp 12.000.000",
    "orderCountDisplay": "2"
  }
}

  • Quick-apply order

    POST /v1/applications/instant openfinance

    Commits a quick-apply installment: orderId with bankAccountDisplay, bankNameDisplay, disbursementDisplay, autoReloanState and optional userCouponId.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • orderId
    • loanAmountDisplay
    • tenorPeriodDisplay
    • bankAccountDisplay
    • bankNameDisplay
    • disbursementDisplay
    • autoReloanState
    • userCouponId
    POST /v1/applications/instant HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{
  "loanAmountDisplay": "Rp 2.000.000",
  "tenorPeriodDisplay": "6 bulan",
  "bankAccountDisplay": "8812345678",
  "userCouponId": "44001",
  "autoReloanState": false
}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "orderId": "77881234",
    "bankAccountDisplay": "8812345678",
    "bankNameDisplay": "BCA",
    "disbursementDisplay": "Rp 2.000.000",
    "autoReloanState": false,
    "userCouponId": "44001"
  }
}

  • Virtual-account repayment

    POST /v1/payments/virtual-account openbanking

    Issues the repayment virtual account for an orderId: accountName, bankNameDisplay, bankAccountDisplay and dueTime.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • orderId
    • accountName
    • bankNameDisplay
    • bankAccountDisplay
    • dueTime
    POST /v1/payments/virtual-account HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{
  "orderId": "77881234"
}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "orderId": "77881234",
    "accountName": "Budi Santoso",
    "bankNameDisplay": "BCA",
    "bankAccountDisplay": "8808123456789012",
    "dueTime": "2026-04-19 23:59:59"
  }
}

  • User coupon list

    POST /v1/promotions/wallet opendata

    Returns the coupon wallet: couponMasterEnabled, totalDiscountDisplay and rows of userCouponId, couponName, couponStatus, couponUse and couponAmountDisplay.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • couponMasterEnabled
    • totalDiscountDisplay
    • userCouponId
    • couponUserCouponId
    • couponName
    • couponStatus
    • couponUse
    • couponAmountDisplay
    POST /v1/promotions/wallet HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "couponMasterEnabled": true,
    "totalDiscountDisplay": "Rp 50.000",
    "items": [
      {
        "userCouponId": "44001",
        "couponUserCouponId": "44001",
        "couponName": "New user reduce",
        "couponStatus": "AVAILABLE",
        "couponUse": true,
        "couponAmountDisplay": "Rp 50.000"
      }
    ]
  }
}

  • Reloan and renewal

    POST /v1/applications/renewal openfinance

    Loads the reloan / renewal gate for an orderId: autoReloanState, quotaDisplay, loanAmountDisplay and tenorPeriodDisplay.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • orderId
    • autoReloanState
    • quotaDisplay
    • loanAmountDisplay
    • tenorPeriodDisplay
    POST /v1/applications/renewal HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{
  "orderId": "77881234",
  "autoReloanState": true
}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "orderId": "77881234",
    "autoReloanState": true,
    "quotaDisplay": "Rp 8.000.000",
    "loanAmountDisplay": "Rp 8.000.000",
    "tenorPeriodDisplay": "6 bulan"
  }
}

  • Home limit-increase track

    POST /v1/credit/upgrade-track openfinance

    Returns the home limit-increase track: quotaDisplay versus totalLimitDisplay, loanAmountMax, orderCountDisplay and autoReloanState.

    Auth: accessToken from the OTP verify call in the Authorization header.

    • quotaDisplay
    • totalLimitDisplay
    • loanAmountMax
    • orderCountDisplay
    • autoReloanState
    POST /v1/credit/upgrade-track HTTP/1.1
Content-Type: application/json
Authorization: Bearer <accessToken>

{}
    {
  "code": 0,
  "msg": "OK",
  "data": {
    "quotaDisplay": "Rp 8.000.000",
    "totalLimitDisplay": "Rp 12.000.000",
    "loanAmountMax": 80000000,
    "orderCountDisplay": "2",
    "autoReloanState": false
  }
}

Data categories

  • otp sessions
  • kyc profiles
  • face liveness uploads
  • home credit limits
  • installment orders
  • virtual-account repayment
  • coupons
  • reloan state
  • limit-increase tracks

Where teams use this data

  • KTP e-KYC matching

    Onboarding desks gate disbursement on kycVerified, idCardNum and accountName, then attach faceProcessId to the upload url and key.

  • VA repayment matching

    Collectors pull dueTime, bankNameDisplay and bankAccountDisplay for an orderId and match inbound transfers to the virtual account.

  • Home-limit monitors

    Risk watches loanAmountMin / loanAmountMax against quotaDisplay and totalLimitDisplay as orderCountDisplay grows.

  • Coupon checkout audit

    Finance reconciles couponAmountDisplay and totalDiscountDisplay against userCouponId, couponStatus and couponUse before quick-apply.

Frequently asked questions

What borrower records does Indosaku expose after sign-in?

Signed-in sessions return the account record (userId, phoneNumber, accountName, kycVerified, idCardNum), a home limit card (loanAmountMin, loanAmountMax, loanAmountDisplay, tenorPeriodDisplay, quotaDisplay, totalLimitDisplay), a quick-apply order (orderId, bankAccountDisplay, disbursementDisplay, autoReloanState), a virtual-account repayment (dueTime, bankNameDisplay), coupons (userCouponId, couponName, couponStatus, couponAmountDisplay) and a limit-increase track.

How does the Android client authenticate those calls?

OTP send posts otp_send_phone and otp_send_code_type. OTP verify then exchanges the SMS code for accessToken, userId and phoneNumber. Later calls send that accessToken in the Authorization header.

How is an installment repaid?

The virtual-account call returns orderId, accountName, bankNameDisplay, bankAccountDisplay and dueTime. Collectors match inbound transfers to that bank account before the dueTime.

Which fields track a limit increase?

The home limit-increase track returns quotaDisplay versus totalLimitDisplay, loanAmountMax, orderCountDisplay and autoReloanState.

Apps similar to Indosaku-Pinjaman Cicilan Uang

  • Easycash - Pinjaman Daring — Easycash is PT Indonesia Fintopia Technology's OJK-licensed unsecured cash-loan app, with published limits of IDR 100,000–IDR 100,000,000 over 3–12 months and a stated maximum 36% APR.
  • Tunaiku - Pinjaman Dana Online — Tunaiku is PT Bank Amar Indonesia Tbk's OJK-licensed unsecured cash-loan (KTA) product, disbursing IDR 2 million to IDR 30 million over 6–30 months.
  • Kredivo - Paylater & Pinjaman — Kredivo is PT Kredivo Finance Indonesia's OJK-licensed paylater and cash-loan line of up to IDR 50 million, with a 30-day pay-in-full option and 3–24 month installments.
  • PinjamanGo-Pinjaman Uang cepat — PinjamanGo is PT Dana Pinjaman Inklusif's OJK-licensed (KEP-124/D.05/2019) unsecured cash-loan app under Sinar Mas Group, with published limits of Rp 2,000,000–6,000,000 over 91–120 days.
  • UangMe - Pinjaman Dana Online — UangMe is PT Uangme Fintek Indonesia's OJK-licensed unsecured cash-loan app, with published limits of Rp 200,000–Rp 50,000,000 over 3–12 months.
  • Cairin: Pinjaman Daring Cepat — Cairin is PT Idana Solusi Sejahtera's OJK-licensed unsecured cash-loan app, with published limits of IDR 500,000–IDR 100,000,000 over 91–365 days and a stated maximum 24% annual interest.
  • AdaKami — AdaKami is PT Pembiayaan Digital Indonesia's OJK-licensed digital cash-loan app, with published limits of Rp 300,000–Rp 80,000,000 over 3-, 6- or 12-month installments and a stated maximum 36% APR.
  • JULO — JULO is PT JULO Teknologi Finansial's OJK-supervised digital-credit app whose one limit of up to Rp50,000,000 can be drawn as bank cash, e-wallet top-ups, bill pay, or paylater spend.

More Lending apps

Topics

  • Indosaku API
  • Indosaku loanAmountMin
  • Indosaku dueTime
  • PT INDOSAKU DIGITAL TEKNOLOGI data
  • Indonesian pinjaman kycVerified
  • Indosaku couponAmountDisplay
  • Indosaku autoReloanState
  • OJK pinjaman online fields

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