Allo Bank Products

Allo Pay Later Overview

Allo Pay Later is an individual loan product without

collateral where the customer can determine the time of
payment at a later date according to the choice of tenor (1,
3, 6 and 12 months) at the time of transaction.

Two Allo Pay Later features:

• Pay Later : loan used for transactions at merchants via
QRIS and bill payment
• Instant Cash: cash loan for customers by disbursing
funds to Allo Wallet
 Pay Later Transaction
Pay Later is an individual loan product without collateral that can be used for transactions at merchants in collaboration
with Allo Bank. The loan will be disbursed directly transferred to merchant.
 Instant Cash Transaction
Instant Cash is a cash loan for Customers where the credit limit is shared from Pay later. The funds will be disbursed to
customers Allo Wallet then customers can either transfer or cash out the funds
 Onboarding Process (1 of 2)

HOMEPAGE LANDING PAGE PIN SCAN KTP*

*not applicable for Allo Prime

 Onboarding Process (2 of 2)

FACE CHECK* APPLICATION FORM APPROVAL

*not applicable for Allo Prime

 Repayment Process
Repayment can be made once billing is ready and paid through Allo apps
Pay Later & Instant Cash (IOH)

Pricing Pay later Instant Cash

Credit Limit IDR 500,000.- up to IDR 100,000,000.-

Disbursement Channel QRIS transaction (disbursed to merchant) Transferred to banking account

Minimum Transaction / Minimum Payment IDR 2,000.- IDR 500,000.-

tenor 1, 3, 6, 12 months

Admin Fee (flat) from disbursement per Based on risk level start from : 2.95 % -
tenor 6.95% Based on risk level start from : 2.95 % - 6.95%

Upfront Fee from disbursement (one time) n/a

Based on risk level start from : 5% - 8%

Late Fee 0.3% per day from principal loan

Early Repayment Fee 10% of Principal Loan 8.0% of Principal Loan

Disbursement destination Merchant Account Customers Allo Wallet

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