CICIL Cicilan Khusus Mahasiswa

4.0
9.36K reviews
500K+
Downloads
Content rating
Everyone
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About this app

CICIL is a Financial Technology platform registered and supervised by OJK (Financial Services Authority) with a mission to provide higher education financing solutions and responsible purchases of necessities for Indonesian students.

EASY REQUIREMENTS
Indonesian Citizen
Active students (D3, S1, S2, S3)
Have a KTP (Identity Card)
Have a KTM (Student Identity Card)

4 EASY STEPS TO APPLYING A LOAN
1. Register as a user
2. Complete the profile according to the product you need
3. Apply for a Loan
4. Pay installments on time

SERVICE ADVANTAGE
- Licensed and supervised by OJK (Financial Services Authority) and incorporated in AFPI (Indonesian Joint Funding Fintech Association)
- Flexible loan term of up to 24 months for goods installments and 36 months for tuition installments
- Average financing margin 1.5% - 3% flat per month (~ minimum APR 30% - maximum APR 81% for 12 months financing after taking into account all costs including financing margin fees, platform fees and transaction fees)
- Safe, reliable and fulfills commitment to consumer protection

PRODUCT SERVICE

Installment Tuition Fee
Loans for financing the entry fee and UKT (Single Tuition Fee)
• Financing nominal starting from IDR 1,000,000 to IDR 30,000,000
• Financing period from 2 months to 36 months
• Average financing fee rate of 1.5% - 2.7% flat / month covering all costs
• Protected by AXA insurance if the guarantor or parents experience death, accident and hospitalization

Simulation of CICIL Tuition Fee financing:
If the proposed tuition fee is IDR 5,000,000 and a down payment of IDR 1,000,000 and the chosen installment period is 12 months, then the financing margin rate charged is 1.65% flat per month. The monthly installment payment is IDR 399,346 and the total payment is IDR 5,792,152.

Installment Items
Loans for the purchase of student needs
• Nominal financing Rp250,000 to Rp4,000,000
• Financing period from 2 months to 24 months
• Average financing fee rate of 2% - 3% flat / month covering all costs

CICIL Goods financing simulation:
If the price of the proposed item is IDR 2,500,000, a down payment of IDR 500,000 and the chosen installment period is 12 months, then the financing margin rate charged is 2.14% flat per month. The monthly installment payment is Rp222,301 and the total payment is Rp2,667,606.

SECURITY GUARANTEE
PT. CICIL SOLUSI MITRA TEKNOLOGI is an information technology-based loan service provider company registered and under supervision by the Financial Services Authority (OJK) with registration number S-5101/NB.111/2017 in accordance with the Law of the Republic of Indonesia and Financial Services Authority Regulation number 77/ POJK.01/2016. CICIL is also an active member and is subject to the organizer's code of ethics drawn up by the Indonesian Joint Funding Fintech Association.

All user data of PT. CICIL SOLUSI MITRA TEKNOLOGI is encrypted and stored in a data center located in Indonesia which can only be accessed by authorized parties. For more details you can visit the page; User Terms and Privacy Policy.

For further information, please contact our Customer Service at:
• Email: contactus@cicil.co.id
• Facebook: Cicil.co.id
• Instagram: @cicil.co.id
• Twitter: @cicilcoid
Operational Address : Level 23 - Penthouse Plaza Merein, Jalan Jendral Sudirman Kav. 76 - 78, City of South Jakarta, Special Capital Region of Jakarta 12910
Updated on
Nov 17, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location and Personal info
This app may collect these data types
Location, Personal info, and Financial info
Data is encrypted in transit
You can request that data be deleted
4.0
9.36K reviews
Riefqi Samudro
August 31, 2020
There's no transparency on why is my profile application was rejected, on the email there's only "you are rejected" statement without elaboration. Don't bother going to contact the CS due to the respond time is so bad, 2 days minimum for a question. If you see their reply on this, they say I can't know what's the problem due to "security reason", it's just a bad policy, stop doing that if you really want to help students. Don't put "easy process" as your promotion. Just use Kredivo, it's easier
103 people found this review helpful
PT CICIL SOLUSI MITRA TEKNOLOGI
August 31, 2020
Terima kasih atas ketertarikannya menggunakan layanan CICIL. Mengenai proses verifikasi, pihak analis memperhatikan aturan yang berlaku serta analisis yang bersifat rahasia (termasuk alasan penolakan), tujuannya adalah untuk menghindari resiko profil yang dapat termanipulasi
A Google user
June 10, 2019
this aplication only have a full support for famed campus, that wasn't include some of the unfamous one. so check your campus name if that doesn't appear on the campus selection when registering your account. that mean you can't use this app to support your own things yet. but I'm really hope they can coverings all the campus list in Indonesia, at least every campus on jabodetabek has fully listed on. because so many students (especially me) that will be helped with this apps. best regards
36 people found this review helpful
PT CICIL SOLUSI MITRA TEKNOLOGI
June 11, 2019
Hi, apabila kampusmu belum terdaftar, kamu bisa coba tetap mendaftarkan diri kamu. CICIL akan meninjau & mengusahakan agar pelayanan CICIL bisa sampai ke kampus kamu. CICIL memiliki pertimbangan khusus untuk masuk ke kampus, tidak semudah itu masuk ke ranah kampus kalian, karena ini adalah layanan pembiayaan dengan resiko tidak terbayarnya cicilan
A Google user
April 25, 2019
it's so inconvenient when i can't use the late version just for checking my virtual account billing. I was already at the ATM center when the app told me to do an update. I got no signal to do it so I must delay the payment until next time.
60 people found this review helpful
PT CICIL SOLUSI MITRA TEKNOLOGI
June 17, 2019
Hi, mohon maaf atas ketidaknyamannya. Untuk mempermudah proses pembayaran kami secara berkala mengirimkan nomor virtual account pembayaran ke email terdaftarmu. Selain itu kamu juga selalu dapat mengecek tata cara pembayaran dan nomor VA mu dengan login melalui browser website ke www.cicil.co.id/payment/installment