Tunaiku Pinjaman Dana Online Data API

PT Bank Amar Indonesia Tbk. · Lending 4.7 ★

Tunaiku - Pinjaman Dana Online is the unsecured cash-loan (KTA) app of PT Bank Amar Indonesia Tbk., an OJK-licensed Indonesian bank. Borrowers apply for IDR 2 million to IDR 30 million over 6–30 months at a published 3–5% flat monthly rate; Play’s sample quotes IDR 5,000,000 over six months at 3% with a 5% administration fee and IDR 550,000 account-maintenance fee, disbursing IDR 4,750,000 and a monthly installment of IDR 1,075,000. The same Android client covers first-time and repeat/top-up loans, early payoff, virtual-account repayment, eKYC, QRIS, and Amar Bank’s Senyumku savings account used as a disbursement rail. Google Play lists a 4.73 rating across 1,457,544 reviews and 10 million-plus installs, competing with Kredivo and Easycash for Indonesian pinjaman users.

Borrower identity lands as custHash, custId and KTP pin on the profile record, with mlpLevel, paymentNumber and flags eligibleToApply / hasActiveLoan. An offer row carries loanAmount, period, monthlyInstallmentAmount and net toBankAmount; an in-force loan adds saldo, totalUnpaid, dueDate and installment sum / partNum.

Repayment rails mint virtualAccount plus accountName; early payoff quotes earlyPaymentAmount and refundAmount against a dedicated VA. Senyumku savings expose averageBalance and nextMonthLevel. Collection desks and lending-stack bots stitch those fields into unpaid monitors and VA matching; openData Studio turns the same surface into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Password or refresh session
POST /v1/auth/grant osint
Opens or renews the borrower session. Password grant sends username and password; refresh grant sends refreshToken. The JSON returns authToken (and optional resetPasswordToken) that the Android client attaches as Authorization: Bearer.
Auth: JSON body username + password with grantType, or a refresh_token grant with refreshToken. Response authToken is replayed as Authorization: Bearer on all later calls.
- username
- password
- grantType
- refreshToken
- authToken
- resetPasswordToken
```
POST /v1/auth/grant HTTP/1.1
Content-Type: application/json

{
  "username": "081234567890",
  "password": "********",
  "grantType": "password",
  "refreshToken": null
}
```
```
{
  "authToken": "eyJhbGciOiJSUzI1NiJ9.auth",
  "resetPasswordToken": null,
  "grantType": "password",
  "refreshToken": "rt_9f21c0ab"
}
```
Request login OTP
POST /v1/auth/otp/{purpose}/dispatch osint
Starts an SMS or WhatsApp OTP for a purpose such as first-login. Body is username; the response mints otpRequestId and rate-limit counters attemptsLeft, retryableAfter, maxAttempt.
Auth: Pre-login; JSON body username. purpose selects the flow such as first-login; medium is sms or whatsapp. No Bearer yet.
- username
- otpRequestId
- attemptsLeft
- retryableAfter
- maxAttempt
```
POST /v1/auth/otp/first-login/dispatch HTTP/1.1
Content-Type: application/json

{
  "username": "081234567890"
}
```
```
{
  "otpRequestId": "otp-7c21ab",
  "attemptsLeft": 4,
  "retryableAfter": 60,
  "maxAttempt": 5
}
```
Verify login OTP
POST /v1/auth/otp/{purpose}/check osint
Consumes the OTP against otpRequestId and returns authToken (plus optional resetPasswordToken) that subsequent loan and profile calls attach as Bearer.
Auth: Pre-login; JSON body otpRequestId + otp (+ optional transactionId). Returns authToken used as Authorization: Bearer.
- otpRequestId
- otp
- transactionId
- authToken
- resetPasswordToken
```
POST /v1/auth/otp/first-login/check HTTP/1.1
Content-Type: application/json

{
  "otpRequestId": "otp-7c21ab",
  "otp": "483920",
  "transactionId": "txn-pre-11"
}
```
```
{
  "authToken": "eyJhbGciOiJSUzI1NiJ9.auth",
  "resetPasswordToken": null
}
```

Borrower profile

GET /v1/borrower/profile osint

Loads the signed-in borrower card: KTP pin, custHash / custId, mlpLevel, paymentNumber, eligibility flags, payout Account (bankName, accountNumber) and Income (jobType, monthlyIncome).

Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.

pin
custHash
custId
mlpLevel
currency
email
firstName
name
phone
paymentNumber
hasActiveLoan
eligibleToApply
eligibleForTopup
dateOfBirth
bankName
accountNumber
monthlyIncome

GET /v1/borrower/profile HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth

{
  "pin": "3174010101900001",
  "custHash": "ch_8f21",
  "custId": 440192,
  "mlpLevel": "GOLD",
  "currency": "IDR",
  "email": "[email protected]",
  "firstName": "Siti",
  "name": "Siti Nurhaliza",
  "phone": "081234567890",
  "paymentNumber": "880012345678",
  "hasActiveLoan": "true",
  "eligibleToApply": false,
  "eligibleForTopup": true,
  "otpEligible": true,
  "hasAcceptedHistory": true,
  "newLoanInfo": {
    "dateOfBirth": "1990-01-01",
    "gender": "F",
    "mobilePhoneNumber": "081234567890",
    "account": {
      "bankName": "BCA",
      "accountNumber": "1234567890",
      "accountType": "SAVINGS",
      "displayName": "SITI NURHALIZA",
      "swiftCode": "CENAIDJA"
    },
    "income": {
      "jobType": "EMPLOYEE",
      "monthlyIncome": "8000000",
      "employerName": "PT Contoh",
      "taxId": "10.20.30.4-567.000"
    }
  }
}

Active loan detail

GET /v1/loans/current openfinance

Returns the in-force KTA: id, amount, period, remaining saldo / totalUnpaid, currentInstallmentValue, and the installment grid (date, sum, partNum, unpaid). loanProgress adds dueDate, totalBill and currentAmountDue for the repayment card.

Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.

id
status
amount
period
saldo
partnerType
productType
currentInstallmentValue
totalUnpaid
unpaidMonths
toBankAmount
dueDate
currentUnpaidInstallment
totalBill
partNum
sum

GET /v1/loans/current HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth

{
  "priorityLoan": {
    "id": "LN-440192-01",
    "status": "ACTIVE",
    "amount": "5000000",
    "period": "6",
    "saldo": "3225000",
    "partnerType": "TUNAIKU",
    "productType": "PL",
    "applicationStatus": "ACCEPTED",
    "currentInstallmentValue": "1075000",
    "firstInstallmentValue": "1075000",
    "totalUnpaid": "3225000",
    "unpaidMonths": "3",
    "toBankAmount": "4750000",
    "loanProcessingFeeAmount": "250000",
    "installments": [
      {
        "date": "2026-11-14",
        "sum": "1075000",
        "partNum": "4",
        "unpaid": "1075000",
        "rowType": "INSTALLMENT",
        "onTime": true,
        "status": "UNPAID",
        "mlpPoint": 10
      }
    ]
  },
  "loanProgress": {
    "dueDate": "2026-11-14",
    "totalUnpaid": 3225000.0,
    "status": "IN_DEBT",
    "totalPrepayment": 0.0,
    "currentUnpaidInstallment": 1075000.0,
    "totalBill": 1075000.0,
    "currentAmountDue": 1075000.0
  }
}

Loan history

GET /v1/loans/history openfinance

Pages closed and prior loans for the history screen: page / pageCount / totalData wrapping loan rows of id, status, amount, period, saldo and paidOutDate.

Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.

page
pageCount
limit
totalData
id
status
amount
period
saldo
productType
paidOutDate

GET /v1/loans/history?page=1&limit=10 HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth

{
  "page": 1,
  "pageCount": 2,
  "limit": 10,
  "totalData": 12,
  "data": [
    {
      "id": "LN-440192-00",
      "status": "PAID",
      "amount": "3000000",
      "period": "6",
      "saldo": "0",
      "productType": "PL",
      "paidOutDate": "2026-03-01"
    }
  ]
}

Product loan summary
GET /v1/offers/{productType}/quote openfinance
Quotes the chosen productType (PL personal loan, SL smaller loan, LMT line): loanAmount, period, monthlyInstallmentAmount, processingFeeAmount / processingFeePercentage and net toBankAmount.
Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.
- loanAmount
- period
- monthlyInstallmentAmount
- processingFeeAmount
- processingFeePercentage
- provisionFeePercentage
- toBankAmount
- totalFeeAmount
- admissionFee
- interestRate
```
GET /v1/offers/PL/quote HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth
```
```
{
  "loanAmount": "5000000",
  "period": "6",
  "monthlyInstallmentAmount": "1075000",
  "processingFeeAmount": "250000",
  "processingFeePercentage": 0.05,
  "provisionFeePercentage": 0.0,
  "admissionFee": "0",
  "toBankAmount": "4750000",
  "totalFeeAmount": "250000",
  "totalFeePercentage": "5",
  "interestRate": "0.03"
}
```
Loan submission status
GET /v1/applications/status openfinance
Polls whether a just-submitted application is still IN_PROCESS, ACCEPTED or REJECTED, keyed by transactionID and product.
Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.
- status
- transactionID
- product
```
GET /v1/applications/status HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth
```
```
{
  "status": "IN_PROCESS",
  "transactionID": "txn-loan-8821",
  "product": "PL"
}
```

Disburse accepted loan

POST /v1/disbursements openfinance

Pushes an accepted loan to the borrower’s bank after passwordVerified. The breakdown lists type, loanAmount, processingFeeAmount / processingFeeRate and net toBankAmount.

Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification; body includes passwordVerified after a password challenge

loanID
loanAmount
loanPeriod
passwordVerified
type
monthlyInstallmentAmount
processingFeeAmount
processingFeeRate
toBankAmount
interestRate

POST /v1/disbursements HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth
Content-Type: application/json

{
  "loanID": "LN-440192-01",
  "loanAmount": 5000000,
  "loanPeriod": 6,
  "passwordVerified": {
    "verified": true
  }
}

{
  "disbursement": [
    {
      "type": "bank",
      "loanAmount": "5000000",
      "period": "6",
      "monthlyInstallmentAmount": "1075000",
      "processingFeeAmount": 250000,
      "processingFeeRate": 0.05,
      "provisionFeeAmount": 0,
      "provisionFeeRate": 0.0,
      "toBankAmount": "4750000",
      "interestRate": "0.03",
      "admissionFee": "0"
    }
  ]
}

Repayment virtual account
GET /v1/repayments/virtual-account/{productType} openbanking
Mints the productType-scoped repayment VA shown on How to Pay: accountName plus virtualAccount. A companion customer-scoped call returns the same pair for the customer record.
Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.
- accountName
- virtualAccount
```
GET /v1/repayments/virtual-account/PL HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth
```
```
{
  "accountName": "TUNAIKU SITI NURHALIZA",
  "virtualAccount": "8800123456789012"
}
```

Early-payoff quote

GET /v1/settlements/quote openfinance

Quotes early settlement per loan (earlyPaymentAmount, refundAmount, paymentStatus) and the dedicated VA (virtualAccountName / virtualAccountNumber) plus subTotalEarlyPayment / totalEarlyPayment.

Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.

loanId
loanType
earlyPaymentAmount
paymentStatus
refundAmount
virtualAccountName
virtualAccountNumber
subTotalEarlyPayment
totalEarlyPayment

GET /v1/settlements/quote HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth

{
  "loans": [
    {
      "loanId": "LN-440192-01",
      "loanType": "PL",
      "earlyPaymentAmount": 3100000.0,
      "paymentStatus": "QUOTED",
      "refundAmount": 0.0
    }
  ],
  "virtualAccountName": "TUNAIKU EARLY PAIDBACK",
  "virtualAccountNumber": "880099988877",
  "subTotalEarlyPayment": 3100000,
  "totalEarlyPayment": 3100000,
  "formattedTotalEarlyPayment": "Rp3.100.000"
}

Submit early payoff

POST /v1/settlements openfinance

Locks the early-payoff basket and returns the VA the borrower must credit for totalEarlyPayment, with paymentStatus PENDING_VA until funds clear.

Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.

loanId
loanType
earlyPaymentAmount
paymentStatus
virtualAccountName
virtualAccountNumber
totalEarlyPayment
refundAmount

POST /v1/settlements HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth
Content-Type: application/json

{
  "loans": [
    {
      "loanId": "LN-440192-01",
      "loanType": "PL",
      "earlyPaymentAmount": 3100000.0
    }
  ]
}

{
  "paymentStatus": "PENDING_VA",
  "virtualAccountName": "TUNAIKU EARLY PAIDBACK",
  "virtualAccountNumber": "880099988877",
  "totalEarlyPayment": 3100000,
  "refundAmount": 0.0
}

Senyumku average balance
GET /v1/savings/summary openbanking
Reads Amar Bank Senyumku savings: averageBalance (and formattedAverageBalance), nextMonthLevel, isNewUser, plus optional snapshot balance. A companion balance call returns the raw balance.
Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.
- averageBalance
- formattedAverageBalance
- isNewUser
- nextMonthLevel
- balance
```
GET /v1/savings/summary HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth
```
```
{
  "averageBalance": 1250000,
  "formattedAverageBalance": "Rp1.250.000",
  "isNewUser": false,
  "nextMonthLevel": "SILVER",
  "balance": 1800000
}
```

KYC face compare

POST /v1/identity/face-match osint

Runs liveness/face-compare for a KYC purpose and returns kycToken plus status. Companion calls upload identity documents and return a documentId, then poll for the verification result.

Auth: Authorization: Bearer {authToken} issued by the session grant or the OTP verification.

kycToken
status
documentId
firstName
lastName

POST /v1/identity/face-match HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiJ9.auth
Content-Type: application/json

{
  "imageId": "img-selfie-01",
  "documentId": "doc-ktp-01"
}

{
  "kycToken": "kyc_4e19ab",
  "status": "MATCHED",
  "documentId": "doc-ktp-01",
  "values": {
    "firstName": "Siti",
    "lastName": "Nurhaliza"
  },
  "limit": {
    "remaining": 2
  }
}

Where teams use this data

Unpaid-installment monitor
A collection desk polls totalUnpaid, currentUnpaidInstallment and dueDate nightly, then matches inbound credits to virtualAccount / paymentNumber so overdue IDR bills are flagged the same day they age.
Offer and disbursement reconciliation
Finance ops compare quoted loanAmount, processingFeeAmount and toBankAmount on the product summary with the post-passwordVerified disbursement breakdown so net IDR landed in accountNumber equals the accepted offer.
Early-payoff VA matching
Ops take earlyPaymentAmount plus virtualAccountNumber from the early-payoff quote and post bank credits against totalEarlyPayment until paymentStatus leaves PENDING_VA.
Senyumku float check
A lending-stack bot reads averageBalance and nextMonthLevel before routing a disbursement onto the Senyumku rail, and blocks the draw when balance is below toBankAmount.

Frequently asked questions

What loan-balance fields does Tunaiku expose?

The active-loan call returns id, amount, period, remaining saldo and totalUnpaid, currentInstallmentValue, and installment rows of date, sum, partNum and unpaid. A nested loanProgress block adds dueDate, totalBill, currentUnpaidInstallment and currentAmountDue.

How are installments repaid?

The repayment call mints accountName and virtualAccount for the How-to-Pay screen, scoped per product. Early settlement is a separate quote (earlyPaymentAmount, refundAmount) whose submission locks a dedicated virtualAccountNumber for totalEarlyPayment.

How does the app authenticate these calls?

Sign-in accepts username and password (grantType password) or a refreshToken grant. OTP sign-in first requests a code over SMS or WhatsApp, then verifies otpRequestId plus otp to obtain authToken; later calls send Authorization: Bearer {authToken}.

Where does a disbursement land?

The profile's newLoanInfo.account carries bankName and accountNumber. After a password challenge, the disbursement call returns toBankAmount and processingFeeAmount. Amar Bank Senyumku savings can take the same draw; the savings summary returns averageBalance and nextMonthLevel.

Apps similar to Tunaiku - Pinjaman Dana Online

Kredivo - Paylater & Pinjaman — Kredivo is PT Kredivo Finance Indonesia's paylater and cash-loan line of up to IDR 50 million, repaid in 30 days or in 3- to 24-month installments at partner merchants.
Easycash - Pinjaman Daring — Easycash is an OJK-licensed Indonesian unsecured cash-loan app offering IDR 100,000 to IDR 100,000,000 over 3–12 months without a credit card.
Singa Fintech-Digital Loans — Singa Fintech is PT Abadi Sejahtera Finansindo's OJK-licensed Indonesian cash-loan app, with published limits from IDR 1.1 million to IDR 48 million.
AdaKami — AdaKami is an OJK-licensed Indonesian online cash-loan platform that uses a published 30-day installment cycle with tenors of 1–12 months and states it does not deduct fees up front.
Akulaku — Akulaku combines shopping installments, cash loans (pinjaman tunai) and digital banking in one Indonesian app, with PayLater operated by PT Akulaku Silvrr Indonesia.
JULO — JULO is an OJK-supervised Indonesian digital-credit app whose one limit can be drawn as cash, e-wallet top-ups, or paylater spend on Tokopedia, Shopee, Lazada, Blibli and TikTok Shop.
Indodana PayLater — Indodana PayLater is an OJK-supervised Indonesian buy-now-pay-later line of up to Rp50 million, repaid in 30 days or in 3-, 6-, 12-, 18- or 24-month installments at partner merchants.
Home Credit Indonesia — Home Credit Indonesia (PT Home Credit Indonesia) finances phones, TVs, laptops, furniture and other goods in store on installment plans, and also offers cash financing (Pembiayaan Tunai).

More Lending apps

Topics

Tunaiku API
Tunaiku pinjaman data
custHash
totalUnpaid
virtualAccount
PT Bank Amar Indonesia Tbk
Indonesia KTA loan API

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Tunaiku Pinjaman Dana Online Data API

Screenshots

API surface

Password or refresh session

Request login OTP

Verify login OTP

Borrower profile

Active loan detail

Loan history

Product loan summary

Loan submission status

Disburse accepted loan

Repayment virtual account

Early-payoff quote

Submit early payoff

Senyumku average balance

KYC face compare

Data categories

Where teams use this data

Unpaid-installment monitor

Offer and disbursement reconciliation

Early-payoff VA matching

Senyumku float check

Frequently asked questions

Apps similar to Tunaiku - Pinjaman Dana Online

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Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Tunaiku Pinjaman Dana Online Data API

Screenshots

API surface

Password or refresh session

Request login OTP

Verify login OTP

Borrower profile

Active loan detail

Loan history

Product loan summary

Loan submission status

Disburse accepted loan

Repayment virtual account

Early-payoff quote

Submit early payoff

Senyumku average balance

KYC face compare

Data categories

Where teams use this data

Unpaid-installment monitor

Offer and disbursement reconciliation

Early-payoff VA matching

Senyumku float check

Frequently asked questions

Related apps

Apps similar to Tunaiku - Pinjaman Dana Online

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?