AdaKami review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

AdaKami is an Indonesian online lender for adults with a steady job who need a small short-term loan. Its APR of 36% on both personal and payday loans is high against the market, and money reaches you within Instant disbursement within 1 day of approval.

Key facts

Best for
Indonesian adults with a job or monthly income who need a small, short, fixed-rate loan quickly.
APR
36% (Source, checked September 26, 2026)
Loan amount
IDR 3,000,000 to IDR 80,000,000 (Source, checked September 26, 2026)
Term
3 to 12 months (Source, checked September 26, 2026)
Arrangement fee
Service fee 1.42% of the loan principal, charged monthly (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instant disbursement within 1 day of approval (Source, checked September 26, 2026)
Representative example
Loan of IDR 3,000,000 over 6 months: monthly payment IDR 632,600, total repayment IDR 3,795,600 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
Indonesian citizens aged 18-60 with a job or income of at least Rp3,000,000 per month, an active mobile number and a bank account (Source, checked September 26, 2026)
Origination fee (%)
1.42% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Legal entity
PT Pembiayaan Digital Indonesia (Source, checked September 26, 2026)
Headquarters
Indonesia (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
adakami.id

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Fixed rates of fixed make the monthly cost predictable across both loan types.
  • Approved loans are disbursed within Instant disbursement within 1 day of approval, so an emergency is covered fast.
  • Support runs on email, phone and chat, so you can reach a person by email, phone or chat.
  • It is licensed by Otoritas Jasa Keuangan (OJK) in Indonesia, licence S-1108/N/B.213/2018.

Cons

  • The APR of 36% is well above what the cheaper lenders charge, so the same borrowing costs more here.
  • A service fee of 1.42% of the principal is added to every payment.
  • Applications run a hard credit check (hard), which puts a full search on your file.

Ready to try AdaKami?

Scored 8.4 / 10 by BorrowCue.

See alternatives

Who it suits

  • Indonesian citizens with a job or steady monthly income who can meet a minimum income
  • Borrowers after a small personal or payday loan rather than a long-term home loan
  • Borrowers who need their money fast and can clear a hard credit check

Who should look elsewhere

  • Anyone looking for a low total cost, since 36% is high against Cashspace and Monzo Flex
  • Borrowers with a thin credit file, given the hard credit check (hard)
  • People wanting longer repayment periods, as terms run 3 to 12 only

Where it sits among rivals

AdaKami sits mid-table on both measures the site tracks. On loan amount it ranks 509 of 685 lenders listed, and on APR it sits at 290 of 350. Neither placing sits at the front of either field, so cost and size both land in the middle.

Who runs it

AdaKami is operated by PT Pembiayaan Digital Indonesia, based in Indonesia and founded in 2018. It works as a marketplace lender, matching borrowers with funding partners rather than lending on its own balance sheet. It is licensed by Otoritas Jasa Keuangan (OJK) in Indonesia, licence S-1108/N/B.213/2018. You can reach support on email, phone and chat.

How AdaKami compares

Where AdaKami is available

Available
Indonesia
Licence in Indonesia
Otoritas Jasa Keuangan (OJK) (S-1108/N/B.213/2018), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the APR on AdaKami loans?+

The APR is 36% on both the personal and payday loans. The rate type is fixed, so a change in market rates will not move your monthly payment. A service fee of 1.42% of the principal is also charged monthly.

How much can I borrow and for how long?+

Loan amounts run IDR 3,000,000 to IDR 80,000,000, and terms run 3 to 12. The published representative example repays a total well above the amount borrowed, so interest builds quickly on the smallest sums.

How quickly would I get the money?+

Funding is described as Instant disbursement within 1 day of approval, with same-day funding listed as a feature. The timing applies once your application is approved, so the credit check and assessment come first.

Is AdaKami regulated?+

AdaKami is licensed by Otoritas Jasa Keuangan (OJK) in Indonesia, under licence S-1108/N/B.213/2018. The company behind the app is PT Pembiayaan Digital Indonesia, based in Indonesia and founded in 2018, and it works as a marketplace lender.

What credit check do I need to pass?+

Applications run a hard credit check, given as hard. A hard search is recorded against your file, so it is worth checking your position before applying rather than trying several lenders in a row.

Who can apply?+

You need to be an Indonesian citizen within a minimum age, with a job or a monthly income above a stated level, an active mobile number and a bank account. The app covers personal and payday loans, so both are applied for in the same place.

How can I get help once I have an account?+

Support runs on email, phone and chat, which covers email, phone and chat. You can raise a query by whichever route suits, from a repayment date to a disbursement delay, without hunting for a branch.

What kinds of loan does AdaKami offer?+

It offers personal and payday loans, so both a personal loan and a payday-style loan sit in the same app. Rates are fixed rate at fixed, which keeps the monthly cost steady for the life of the loan.

Sources

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: Loan amount, APR, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Loan limit: IDR 3,000,000 - IDR 80,000,000”

  • adakami.id checked September 26, 2026

    Backs: Features, Funding time

  • adakami.id/about checked September 26, 2026

    Backs: Founded, Headquarters, Lender type

    “Juni 2018 Pendirian PT Pembiayaan Digital Indonesia (AdaKami)”

  • adakami.id/riplay checked September 26, 2026

    Backs: Credit check, Eligibility, Legal entity, Support channels, Licences

    “Customer Service Live Chat Aplikasi AdaKami, Telepon 15000-77, Email tanya@adakami-cs.id”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

AdaKami

Indonesian adults with a job or monthly income who need a small, short, fixed-rate loan quickly.

8.4/10See alternatives

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