JULO review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
JULO pairs a headline target return of 36% to 96% with a IDR 500,000 minimum ticket, which suits Indonesian retail investors who want lending exposure at a high stated yield. It fits readers who can hold the position and accept that a buyback guarantee is not offered.
Key facts
- Best for
- Indonesian investors chasing a high stated lending yield who can hold the position.
- Target return
- 36% to 96% (Source, checked September 26, 2026)
- Minimum investment
- IDR 500,000 (Source, checked September 26, 2026)
- Buyback guarantee
- No (Source, checked September 26, 2026)
- Regulators
- Otoritas Jasa Keuangan (OJK) (Source, checked September 26, 2026)
- Legal entity
- PT. JULO Teknologi Finansial (Source, checked September 26, 2026)
- Headquarters
- Indonesia (Source, checked September 26, 2026)
- Founded
- 2016 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- julo.co.id
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Regulated by Otoritas Jasa Keuangan (OJK), with the licence recorded as KEP-16/D.05/2020.
- Support runs on email, phone and help centre, including a phone line and a help centre.
- A named operating company, PT. JULO Teknologi Finansial, founded in 2016.
Cons
- A buyback guarantee is not offered, so a defaulted loan stays with the lender.
- The IDR 500,000 minimum sits above the €50 median across lending platforms here.
- Help is limited to email, phone and help centre, with no live chat or community channel listed.
Who it suits
- Indonesian retail investors who want a high stated lending yield and can leave money lent for a while.
- Readers comfortable judging borrower default risk themselves, given the buyback guarantee is not offered.
Who should look elsewhere
- Mintos or Nectaro readers after a steadier stated figure, since 9.2% and 10% to 14% sit far below 36% to 96%.
- Afluenta readers chasing the highest stated number, who may prefer 197.6%.
- Anyone wanting a deposit-style return with a buyback guarantee, which JULO does not offer.
How your money is protected
JULO operates under Otoritas Jasa Keuangan (OJK), with the licence recorded as KEP-16/D.05/2020. That covers the lender business in Indonesia. The gap for lenders is on the loan side: a buyback guarantee is not offered, so a defaulted loan stays with the investor rather than being bought back by the platform.
The company behind it
The operating company is PT. JULO Teknologi Finansial, based in Indonesia and founded in 2016. It is supervised by Otoritas Jasa Keuangan (OJK) under the licence recorded as KEP-16/D.05/2020 in its terms. Support runs on email, phone and help centre, so help comes by email, by phone and through the help centre.
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Where JULO is available
- Available
- Indonesia
- Licence in Indonesia
- Otoritas Jasa Keuangan (OJK) (KEP-16/D.05/2020), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What return does JULO target on loans?+
JULO advertises a target return of 36% to 96%. That is a stated figure for lenders on the platform rather than a guaranteed yield on a deposit, and the spread is wide enough that the outcome depends on the loans you fund. Defaulted loans are not repurchased, since a buyback guarantee is not offered.
How much do I need to start lending on JULO?+
The minimum investment is IDR 500,000. For context, the median minimum investment across lending platforms on this site is €50, so a JULO ticket sits above the middle of the field. The amount is in Indonesian rupiah, which matters if you are converting from pounds or euros.
Does JULO buy back defaulted loans?+
No. The buyback guarantee is not offered on JULO, so a loan that goes unpaid stays with you as the lender. The protection that does exist sits on the platform side, which is regulated by Otoritas Jasa Keuangan (OJK) in Indonesia. Treat the return as a lending figure you can lose money on rather than a protected balance.
Who regulates JULO?+
JULO is regulated by Otoritas Jasa Keuangan (OJK) in Indonesia, and the terms record the licence as KEP-16/D.05/2020. The operating company behind the platform is PT. JULO Teknologi Finansial, based in Indonesia. That supervision covers the platform's own conduct; it does not stand behind the loans you fund.
How do I reach JULO support?+
Support runs on email, phone and help centre, so you can email, call or use the help centre. Across lending platforms on this site a help centre is the common route and live chat is not, which makes the help centre the main place for questions about a loan or a withdrawal. None of the listed channels suggests round the clock cover.
How does the JULO return compare with Mintos, Nectaro and Afluenta?+
JULO shows a target return of 36% to 96%. Mintos states 9.2% and Nectaro shows 10% to 14%, both far lower, while Afluenta quotes 197.6%, which is higher again. A higher stated return is not a better deal on its own, since default risk and the lack of a buyback guarantee both matter.
Can UK and European readers use JULO?+
JULO is an Indonesian platform, run by PT. JULO Teknologi Finansial in ID and licensed by Otoritas Jasa Keuangan (OJK), so it is aimed at that market rather than at UK or European retail accounts. The stated return of 36% to 96% sits in the same rupiah context as the IDR 500,000 minimum. Readers elsewhere should check local rules and tax treatment before committing funds.
Sources
- julo.co.id checked September 26, 2026
Backs: Buyback guarantee, Legal entity, Target return
“Credit risk or default is borne entirely by the Lender”
- julo.co.id/about checked September 26, 2026
Backs: Founded, Headquarters, Minimum investment, Support channels
“JULO was founded at the end of 2016”
- julo.co.id/terms-and-conditions checked September 26, 2026
Backs: Regulators, Licences
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
JULO
Indonesian investors chasing a high stated lending yield who can hold the position.