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Frequently Asked Questions

These FAQs provide answers to questions that are commonly asked about Rykom. Please check this section for any questions you may have regarding Rykom’s financial services. If you are unable to find your questions answered here, please contact us through our contact page.

We make it easy for you to apply for a loan. Simply fill in our online application form and we’ll reach out to you as soon as possible. You may also contact us directly via email or phone call.

There are many things when we consider applications for loans of any type. The applicant must:
• be at least 18 years old
• have NOT filed for bankruptcy
• have some established credit history
• have the ability to make payments in order to pay off their loan

There is absolutely no application fee whatsoever. Our online application form is free.
We provide flexible options in the form of monthly or annual payments. In the event that we approve your loan, we will be giving you detailed instruction on your payment schedule.

While it isn’t necessary to have an existing checking account, we will require documentation such as financial documents to review your ability to afford a loan.

After a thorough review of your application, we will contact you directly via phone or email on any updates on the status of your loan.

We understand that our clients may face problems with their payments. Immediately contact us when you expect any difficulties and we’ll work with you to resolve your situation. We are here to help.
Yes, any outstanding loans must be reconciled prior to any actions pertaining to the renewal of a loan.
Depending on your current status, you may be eligible to renew your loan. Since we already have your record on file, contact us at +62-02-631-3480 and we will review our next steps together.
All prior documents submitted are kept on record, however we may require you to submit more current income and/or bank statements to assess your present status. If you feel you have valid documents that may better assist your renewal, do not hesitate to forward them to us.
Yes, especially if you have a history of good credit with us. However, there may be exceptions on a case-to-case basis.
Since you are already a part of our database, the procedure will progress much faster.
Yes, please contact us immediately if you intend to refund any advance payments.
To discuss our services, please get in touch with one of our team members.