BRI Credit Card Offers Practical Loan On App and Loan On Phone Facilities

Jakarta - The need for quick funds can arise at any time, from unexpected healthcare costs and sudden home repairs to children’s education fees and additional business capital. In such situations, many people seek fast and practical funding sources without having to go through lengthy loan application processes. For BRI credit card holders, one solution that can be utilised is the Loan On App (LOA) and Loan On Phone facility. Through this facility, BRI credit card holders can transfer a portion of their credit card limit to a BRI Savings account with a fixed instalment scheme without needing to visit a branch office.

Loan On App is a facility from BRI Credit Card that allows customers to convert a portion of their credit card limit into cash funds via the BRImo application. The application is made digitally, making it more practical and efficient. Once approved, the funds will be directly transferred to the registered BRI Savings account. In addition to BRImo, the facility is also available through the Loan On Phone service by contacting BRI Contact. Both services provide convenience for customers who need cash funds with flexible tenor options.

There are several advantages customers can obtain when utilising the Loan On App or Loan On Phone facility. Firstly, easy application via BRImo or BRI Contact means customers do not need to visit a branch office to apply for fund disbursement. The entire process can be done directly through the BRImo application or by contacting BRI Contact anytime and anywhere. Secondly, funds are directly transferred to the BRI Savings account after the application is approved, so they can be used immediately for various needs. Thirdly, the loan amount starts from Rp1 million, making this facility suitable for various needs, both urgent and planned. Fourthly, the ceiling reaches up to Rp75 million; customers can apply for disbursement of up to 50 percent of the remaining credit card limit or a maximum of Rp75 million according to applicable regulations. Specifically for certain cardholders such as BRI World Access Credit Card, BRI Infinite Credit Card, as well as Prioritas and Private customers who apply via Loan On Phone, the loan ceiling can reach Rp300 million according to Bank BRI regulations.

With a fixed instalment scheme, customers can more easily manage their cash flow and financial planning during the loan repayment period. One of the advantages of the BRI Credit Card Loan On App or Loan On Phone is the availability of various tenor options that can be adjusted to the customer’s needs and financial capabilities, with flexible tenors of up to 36 months. In addition to competitive interest rates, each application is subject to an administration fee of 1 percent of the loan amount or a minimum of Rp200,000. With diverse tenor options, customers can adjust the monthly instalment amount to remain in line with their financial condition.

For customers who wish to utilise this facility via BRImo, the application process is quite simple. The steps are: log in to the BRImo application, select the Credit Card menu, choose the Loan On App (LOA) feature and click Apply Now, select the credit card to be used as the source of funds, enter the loan amount, tenor, and destination account, check the loan simulation displayed, agree to the terms and conditions, and send the application. If the application is approved, the funds will be directly transferred to the BRI Savings account. Besides BRImo, customers can also utilise the Loan On Phone service by contacting BRI Contact 1500017. This service offers the same instalment scheme as Loan On App and provides the opportunity to obtain a ceiling of up to Rp300 million for certain customer types according to applicable regulations. This option can be an alternative for customers who want to get more detailed information directly before applying for fund disbursement.

For the application to be processed, there are several conditions that need to be observed. The facility applies to primary BRI Credit Card holders. The credit card must be active, not in a blocked condition, and have no payment arrears. Funds can only be disbursed to a BRI Savings account. The minimum application is Rp1 million, and the maximum disbursement follows the applicable limit regulations. Bank BRI may request additional documents if necessary and has the right to cancel or postpone the application if the cardholder does not meet the applicable terms and conditions.

When the need for funds arises suddenly, many people want a solution that is fast, safe, and uncomplicated. BRI Credit Card’s Loan On App provides this convenience because it utilises the existing credit card limit without needing to apply for a new loan facility. The application is made digitally via BRImo, funds can be directly transferred to the BRI Savings account after approval, and there are tenor options of up to 36 months that help customers manage payments more comfortably. For BRI Credit Card holders, this facility can be a practical funding alternative for various needs, ranging from family needs, education, and healthcare to home renovations and business needs.