Pinjaman Atur Sendiri

Set Your Own Disbursement, Set Your Own Repayment

Make Pinjaman Atur Sendiri (PAS) as your financial solution - quick, easy and you can set the tenor & maturity date as you like. Just submit your information through the Superbank, Grab or OVO apps.

1 Superbank

Download Superbank app and prepare e-KTP

You can download it on the Google Play Store or Apple App Store and just with your e-KTP you can open your account & PAS!

2 Superbank

Fill E-Form

Complete your data and follow the instructions requested

3 Superbank

Select Loan Source

Make sure the balance in the funding source is sufficient to pay the installments

4 Superbank

Fill additional E-Form

Complete your data and follow the instructions requested

5 Superbank

Face Verification

Make sure the location and background of your photo are bright for taking selfies and take off your mask, hat and glasses to increase the success of the face verification process

Feature Benefit 1

Credit Limit up to Rp 100 million

Feature Benefit 2

Interest starting from
0.03% flat per day

Feature Benefit 3

Choose your own due date

Feature Benefit 4

Withdraw multiple times
without waiting for full repayment

Feature Benefit 5

Transparent interest and fees

Feature Benefit 6

Fast activation and disbursement

*Loan limits and interest will vary, depending on the bank's decision

Simulation of Pinjaman Atur Sendiri

1 Month
IDR0,-
IDR0,-
IDR0,-

IDR0,-

  • Simulation using 3% flat interest per month as an illustration
  • Calculations are simulations only, subject to change according to Superbank regulations

1 Superbank

Enter The Amount

You can withdraw loans starting from IDR 200,000

2 Superbank

Set Tenor & Due Date

You can arrange it yourself, according to your needs!

3 Superbank

Double Check Loan Details

Make sure it matches what you filled in

4 Superbank

Confirm Withdrawal

Withdrawing loans requires your PIN to be safe

5 Superbank

Successfully Withdraw

In a matter of seconds the loans will be transferred to the Main Savings Account

1 Superbank

Pay Installments via The Loan Dashboard

Click ‘Pinjaman Atur Sendiri’ icon

2 Superbank

Double Check Payment Amount

Make sure as per what you want to pay

3 Superbank

Select Loan Source

Make sure the balance in the funding source is sufficient to pay the installments

4 Superbank

Confirm Installment Payments

Payment of funds requires your PIN to be safe

5 Superbank

Successfully Payment

You can relax while waiting for the next due date




General Requirement

General Requirement:

  • Age between 21 - 65 years old
  • Indonesian citizens - documents for application: e-KTP
  • Monthly income of IDR 2,000,000.00
  • Comply with applicable Bank credit policies

Documents for application: e-KTP

Procedure: Customers must fulfill the General Requirements and complete the required documents to apply for this product.

Rates & Fees

Interest Fees

Start from 0.03% flat per day.
Interest Fees will vary and decided by superbank. Details of the amount of interest charged can be seen during the loan withdrawal process.

Late Fees

0.1% flat per day from the overdue amount.

Admin Fee

Start from 2.90%, deducted directly from the disbursement amount.

Early Payment Fees

Free, valid from 21 September 2026.


Superbank

Frequently Asked Questions

PAS is a loan product without collateral. Once registered as a PAS customer, you can withdraw loan funds at any time and in any amount according to your credit limit. Registering PAS products and disbursing loans does not require a long time and requires many conditions. You can determine the tenor and payment due date yourself. You can arrange everything yourself via the Superbank application.

You can access PAS on the Superbank or Grab home page by clicking the Pinjaman Atur Sendiri menu.

Yes, definitely! Because PAS is a product from Superbank which is licensed and supervised by the Financial Services Authority (OJK).