About TunaiKita

Who are we?

TunaiKita is Indonesia’s first technology company to develop and deploy a ‘lending robot’ that uses the data you provide through our mobile app on your smartphone and online accounts. Our lending robot evaluates your user profile and assigns you a credit score with which you can apply for cash loans.

We currently offer cash installment loans of Rp.4 to 20 million that you can repay over tenures of 3 to 6 months. We have also launched short-term loans of Rp.1 to 5 million with flexible 10 to 30 days tenure.

TunaiKita acts as an arranger under OJK’s POJK/77 peer-to-peer licensing framework to arrange unsecured loans between peer lenders and consumer borrowers. As part of POJK/77, TunaiKita is required to report its financial accounts and loan data to OJK on a monthly basis.

Founded in Jan 2017, PT. Digital Tunai Kita (TunaiKita) is a joint venture between Wecash Southeast Asia (Wecash SEA), JAS Kapital (JASK) and Kresna Usaha Kreatif (KUK). TunaiKita combines first principles of finance, mobile technology, big data and machine learning for faster and better credit evaluation and loan application underwriting.

TunaiKita unites Wecash’s best-in-class technology platform and online loans expertise with JASK’s and KUK’s market knowledge and local know-how in order to better serve your credit needs. Wecash’s technology has processed more than US$7 billion in unsecured loans since 2014. TunaiKita has adapted Wecash’s proven lending robot to enable better living through responsible credit for Indonesians.

TunaiKita works closely with financial institutions as peer lenders to improve consumers’ online access to loans while decreasing non-performing loans by up to 70%.

Our values

In order to achieve the impossible, start with the end in mind. It’s that simple!
We envision our end results; and execute the plan violently!
Everyone has dreams. Whether you achieve them depends on how you structure your moonshot.
You are our unending focus. We enable responsible credit for your better living.
Achieve speed without sacrificing quality.


Greater Jakarta Area, Indonesia


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Greater Jakarta Area, Indonesia


Learn more

Greater Jakarta Area, Indonesia


Learn more

Greater Jakarta Area, Indonesia


Learn more

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