New users typically receive smaller loan amounts (e.g., IDR 500,000 – IDR 2,000,000). However, consistent on-time repayments can lead to credit limit increases up to IDR 10,000,000 or more, depending on internal scoring.

Many unregistered peer-to-peer (P2P) lending sites have been known to misuse borrower data. Always review the platform’s privacy policy. If the site does not have clear terms or a privacy policy, consider that a serious warning sign.