CMCekMampu
Independent financial guidance

Find out why you might be rejected.

Check your application readiness and discover what you can improve—in 2 minutes, with no ID and no impact on your credit score.

Free · Instant result
✓ No credit report✓ No ID upload✓ Instant result
Readiness summaryPreview
69/ 100
Needs review
Estimated paymentRp 907.750per month
Debt ratio31%of monthly income

Educational estimate only—not a lender, credit check, approval decision, or loan offer.

START WITH YOUR QUESTION

What would you like to understand today?

03Is this loan app safe?

Learn warning signs before sharing data or installing an app.

View safety guide →
02

PAYMENT CALCULATOR

Understand what you can afford—not just your limit.

Rp1 millionRp20 million
Rp
03

HOW IT WORKS

Three steps before you decide.

1

Share broad ranges

No ID, credit report, bank login, photos, or contacts.

2

Understand your position

See the main factors and a safer payment range.

3

Choose consciously

Improve first or compare options without an approval promise.

YOU STAY IN CONTROL

We never request access to your contacts, photos, bank account, or credit report.

01 We are not a lender

02 We do not guarantee approval

03 Consent can be withdrawn