JULO (PT JULO Teknologi Finansial) is a Jakarta-based digital lending platform founded in 2016 that provides unsecured consumer loans and digital credit through its mobile app under a license from the Indonesian financial services authority OJK. It underwrites borrowers with a proprietary, fully digital risk-assessment platform that relies on alternative data rather than conventional credit histories, serving users across all 38 Indonesian provinces. The company reports more than USD 1.7 billion in cumulative financing disbursed and a 98.69 percent 90-day repayment rate as of late 2025.
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Oct 5, 2026
Latest raise
Funding activity · 1 round
Oct 5, 2026
Undisclosed
Led by Saratoga Investama Sedaya
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