Interest Rates and Fees

Transparent. With no extra charges.

No charges will apply on registration and loan application. Fees are charged only when loan is fully funded by the Lenders. For the prospective borrowers, learn beforehand about any fees that will be charged upon loan disbursement.  

Meanwhile for prospective lender, you will not be charged with any fee and will receive the payment of principal and interest in full.

Interest Charges

Interest rate charged measures level of risk inaugurated during credit scoring performed by Investree Analyst Team. After the prospective Borrower submits loan application, Investree will conduct credit assessment on all information submitted by prospective Borrower. The result of analysis will provide loan grade to determine interest rate and fee charged to Borrower. 


What are the stages of the process?

1. Loan application

To submit loan application, the prospective Borrower must complete form containing required data as a perquisite for borrowing.

2. Information Assessment

We select, assess the information provided, and assign credit grade on the loan proposed by prospective Borrower.

3. Loan Approval

After assessment, we will offer the Term Sheet regarding the detail term and condition on the loan that subject to approval from prospective Borrower.

4. Loan Offering

The Loan is offered on the marketplace, funded by lenders and the money disbursed to the borrower.

Risk Grade with Investree

Business Loans

Invoice Financing Per Annum Risk
A1++ 12 % Low Risk
A1+ 13 % Low Risk
A1 14 % Low Risk
A2 16 % Low Risk
A3 18 % Low to Medium Risk
B1 16 % Low to Medium Risk
B2 18 % Medium Risk
B3 19 % Medium to High Risk
C1 18 % Medium to High Risk
C2 19 % High Risk
C3 20 % High Risk

Employee Loans

Employee Loans Per Month Risk
A1 0.90 % Low Risk
A2 0.95 % Low Risk
A3 1.00 % Low to Medium Risk
B1 1.10 % Low to Medium Risk
B2 1.20 % Medium Risk
B3 1.45 % Medium to High Risk
C1 1.70 % Medium to High Risk
C2 1.95 % High Risk
C3 2.20 % High Risk

Platform Fees

Investree charges a Platform Fee of 3% - 5% depending on the loan grade granted to each loan application. The price will be charged automatically once the loan is withdrawn by the Borrower.

Late Payment Fee

If the Borrower experiences any delay in paying off their loan, meaning not in accordance with the prescribed schedule, Investree will charge a daily fee for each day of delay.

Insurance Fee

This applies especially for Employee Loans, Investree requires Borrowers to participate in the credit life insurance scheme, which serves to take over Borrowers' liabilities to Lenders in unforeseen circumstances.

Loan Cancellation Penalty

Investree will impose a penalty if the Borrower cancels their loan. If the cancellation of the loan is made after Lenders have committed, the Borrower is subject to a penalty of 1% of the loan amount or a maximum of IDR 2,500,000 plus 50% of the interest value, effective from the date of cancellation up to the maturity date of the loan. Conversely, if the loan cancellation is carried out before the Lenders participate, the Borrower will not be liable, and the participation of each Lender will be refunded. This penalty applies to Business Loans and Employee Loans.

Early Repayment Penalty

Investree does not impose a penalty on early repayment for the Business Loans product, but the Borrower is under obligation to pay the nominal interest agreed at the beginning as a form of commitment to the Lender. Accelerated payment penalties will only be charged to Borrowers for the Employee Loans product at two months' interest.

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