# JULO

> JULO is an Indonesian fintech company building a digital credit platform that gives emerging and underbanked consumers fast, app-based access to cash loans, paylater, bill payments and installment credit. Founded in 2016 and licensed by Indonesia's Financial Services Authority (OJK), JULO uses machine learning and big data to score creditworthiness in minutes rather than the hours or days a traditional bank takes. By its ninth anniversary in December 2025 the company had disbursed more than USD 1.7 billion in financing to over 3.28 million users across all 38 provinces of Indonesia.

- **Founded:** 2016
- **Headquarters:** Jakarta, Indonesia
- **Founders:** Adrianus Hitijahubessy (CEO & Co-founder), Victor Darmadi (Co-founder), Hans Sebastian (Co-founder)
- **Team size:** Approx. 780 employees
- **Products:** Dana Tunai (Cash Loan), Paylater, Tagihan Online (Bill Payment), Kredit Barang (Installment Credit), Healthcare Financing
- **Notable:** Disbursed more than USD 1.7 billion in digital financing by its ninth anniversary (December 2025), Reached 3.28 million users across all 38 provinces of Indonesia, Maintained a 90-day repayment success rate of 98.69% as of November 2025

## Products & services

- **Dana Tunai (Cash Loan)** — App-based cash loans disbursed directly to a user's bank account, with a digital credit limit up to 15 million IDR and repayment terms of 2-9 months.
- **Paylater** — Buy-now-pay-later checkout integrated with e-commerce and marketplaces, plus mobile credit/data, PLN electricity, and digital wallet top-ups.
- **Tagihan Online (Bill Payment)** — Pay electricity, mobile credit, water, BPJS health insurance and education fees on installment from a single credit limit.
- **Kredit Barang (Installment Credit)** — Installment financing for goods such as motorcycles, smartphones and laptops.
- **Healthcare Financing** — Financing for any hospital, dentist or clinic in a few clicks, extending inclusion to health spending.
- **JULO Cares (Insurance Inclusion)** — Bundled insurance protection layered onto digital credit for first-time and underbanked borrowers.
- **Instant Disbursement Guarantee** — A guarantee that qualifying transactions disburse within 10 minutes, with compensation to the user if they take longer.

## Achievements

- Disbursed more than USD 1.7 billion in digital financing by its ninth anniversary (December 2025)
- Reached 3.28 million users across all 38 provinces of Indonesia
- Maintained a 90-day repayment success rate of 98.69% as of November 2025
- First fintech in Indonesia to guarantee 10-minute instant disbursement
- Winner of the Indonesia Fintech Festival (2016)
- Winner of the UN FinTech Challenge (2018)
- Winner of Inclusive Fintech 50 (2019)
- Financial Inclusion of the Year and Consumer Lending Product of the Year, Asian Banking & Finance Retail Banking Awards 2024
- Recognized at the Asia FinTech Awards 2024
- ISO 27001 and ISO 27701 certified

## Latest updates

- **2025-12** — Marked nine years with more than USD 1.7 billion disbursed to 3.28 million users nationwide, including USD 380 million toward small-business capital.
- **2024** — Became the first fintech in Indonesia to guarantee 10-minute instant disbursement, compensating users if transactions take longer.
- **2024** — Pioneered healthcare financing for any hospital, dentist or clinic and launched JULO Cares insurance inclusion.
- **2022-04** — Raised an USD 80 million Series B (USD 30M equity + USD 50M debt) fully funded by Japan's Credit Saison.

## Links

- Website: https://julo.co.id
- LinkedIn: http://www.linkedin.com/company/juloindonesia
- Twitter/X: https://twitter.com/juloindonesia
- YouTube: https://www.youtube.com/@JULOIndonesia
- Instagram: https://www.instagram.com/juloindonesia/
- Facebook: https://facebook.com/JULOIndonesia/
- TikTok: https://www.tiktok.com/@juloindonesia

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Profile page: https://yespress.io/julo
Published by YesPress — https://yespress.io
Last updated: 2026-07-27