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Frequently Asked Questions
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EzyCash Indonesia loans are exclusively for Indonesian migrant workers (PMI/TKI) currently employed abroad, including domestic helpers, factory workers, and other blue-collar sectors. You must be actively working in one of our covered countries. (Singapore, Malaysia, Taiwan, Hong Kong, Macau, and Saudi Arabia)
In general, you’ll be asked to provide identity documents and proof of overseas employment. Since requirements can vary slightly by country of placement, it’s best to contact our customer service team for the full document checklist for your situation, including if your documents aren’t yet complete.
Yes. We understand many migrant workers in Saudi Arabia face documentation challenges. In this case, we apply a 10% holding fee on the loan amount, which is deducted from your final installment so you can still apply without needing complete documents upfront.
No. EzyCash loans do not require any collateral or guarantor. Approval is based on your status as an active migrant worker in one of our covered countries, not on assets or security you own.
Yes, your approved loan amount is transferred directly to your bank account in Indonesia, so your family back home can also benefit from it if needed.
Simply contact the EzyCash team through our official channels, share basic details about your job and country of placement, then choose the loan amount and tenure you need. Our team will guide you through the process.
No. EzyCash does not charge any upfront fees. All administrative fees are deducted directly from the approved loan amount, so you don’t need to pay anything out of pocket first.
We aim to process applications as quickly as possible. Approval time can vary depending on how complete your documents are. To check your application status, please contact our team directly during operating hours.
Yes. You don’t need to visit our office in Central Jakarta, the entire application process can be completed remotely from abroad through our customer service channels.
EzyCash Indonesia is built specifically around the financial challenges faced by migrant workers. We apply fixed interest and transparent fees from the start, with no hidden charges, so you know exactly what you’ll receive and repay before agreeing to the loan.
You can apply for a loan amount ranging from IDR 3,000,000 to IDR 10,000,000, depending on your needs and repayment ability.
EzyCash offers flexible loan tenures from 1 month up to 5 months. You can choose the tenure that best fits your financial situation.
Yes, but 4–5 month tenures are only available for approved loans of IDR 8,000,000 or above. If your approved amount is below that, the maximum tenure available is 3 months.
Our interest rate is a fixed 4% per month, so you always know exactly what you’ll pay each month, no surprise extra charges.
The admin fee is a service fee deducted directly from your loan amount: 20% for 1–3 month tenures, and 23% for 4–5 month tenures. Example for a IDR 10,000,000 loan over 3 months: 20% admin fee = IDR 2,000,000 (deducted upfront, so you receive IDR 8,000,000), then 4% monthly interest = IDR 400,000/month, totaling IDR 1,200,000 over 3 months.
Installments are paid on a monthly schedule throughout your chosen tenure (1–5 months). Our team will inform you of the payment method and schedule once your loan is approved.
For details on early repayment options, please contact our customer service team during operating hours so they can assist based on your specific loan terms.
If you’re having trouble making a payment, contact the EzyCash team as soon as possible during our service hours (daily, 9:00 AM–6:00 PM WIB). The sooner you reach out, the easier it is for us to help find a solution.
Our office is located in Central Jakarta. You don’t need to visit in person, simply contact our customer service team every day, Monday–Sunday, 9:00 AM–6:00 PM WIB, for questions about your loan or payments
For our regular EzyCash personal loan product, please contact our customer service team to check whether you’re eligible to apply for a new loan while you still have an active one. (Note: for the LoveLima Salary Advance product specifically, only one active advance is allowed at a time.)
LoveLima is a salary advance service exclusively for Indonesian citizens working in Singapore. It lets you receive part of your salary before payday, transferred directly to your Indonesian bank account.
LoveLima is available exclusively to Indonesian citizens currently working in Singapore. If you work in another country such as Malaysia, Taiwan, Hong Kong, Macau, or Saudi Arabia, you can still apply for a regular EzyCash personal loan.
LoveLima charges a one-time 30% admin fee on the requested amount, deducted before disbursement. If repaid within 5 calendar days, no monthly interest is charged at all. Example: request IDR 1,000,000 → 30% admin fee = IDR 300,000 → you receive IDR 700,000.
If the LoveLima balance isn’t fully repaid within 5 calendar days, it automatically converts into a Personal Loan with a 3-month tenure, a fixed 4% monthly interest rate, the applicable admin fee, and monthly installments. This 5-day deadline cannot be extended.
No. Only one active LoveLima Salary Advance is allowed at a time. You can only apply again after your existing Salary Advance has been fully settled.
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