5 Online loan application registered in OJK!! Fast and reliable payment

VIVA – In emergency situations, getting a quick loan is the solution that many people are looking for. However, it is important to choose a loan application. online (Pinjol) which is safe and controlled Financial Services Office (OJK).

By using Pinjol, which is registered with OJK, you will be protected from fraudulent activities and will be charged reasonable interest rates and a transparent process.

Loan rates online OJK Safe and Fast Payment Before applying for a loan onlineMake sure the Pinjol you choose meets the following criteria:

• Registration in OJK The provision of the application under the supervision of the OJK guarantees user safety.
• Easy and fast shipping process, Offers can be made through an application with a fast-track selection process.
• Clear requirementsThere are no hidden fees and all loan terms are explained transparently.
• Competitive rates and interest ratesThe interest rate charged should be reasonable and in compliance with regulations. Some programs offer fixed or variable interest rates to consider.
• Responsive customer service, Apps are more reliable with customer service that responds quickly to user complaints.
• Personal information security, Make sure the app keeps your personal information private and secure.

Various OJK Pinjol apps that are fast, secure and reliable, Full of important tips so you can avoid problems when using credit services online.

1. my money

PT. Bank Amar Indonesia Tbk is an LPS guarantee participant authorized and supervised by OJK. Easy to apply only requires being between 21 and 60 years old, being an Indonesian citizen (WNI), having a bank account, having a job or income and a KTP address or residing in the service area.

• Features offered: Loans up to Rs 30 million for a duration of up to 30 months.
• Shipping process: Easy, no collateral, just KTP, no NPWP or credit card needed, fast loan approval results included for you.
• User Credentials: Many users praise my money because the payment speed is within 24 hours.
• Ceiling and tenor: Competitive loan limits and flexible terms.

Tunaiku has interest rates such as an account service fee of IDR 550,000, an interest rate of 3 to 5 percent per month, an administrative fee and fees of 5% (deducted from the total loan amount at the beginning), and a late payment of IDR 150,000 / month.

2. MORE THAN

JULO is a digital lending platform with three main features namely: Cash, Paylater and Bills of Exchange Online. Dana Cash allows users to withdraw money directly to personal accounts or top up digital wallets. Payer facilitate the purchase of parts e-commercetemporary Online calculation help pay bills like BPJS and electricity.

• Features offered: Interest rates start at 0.1% per day and credit limits up to IDR 50 million.
• Shipping process: All you need is a KTP and a quick verification process.
• User Credentials: Many users highlight Tenor’s flexibility and friendly customer service.
• Ceiling and tenor: High ceilings and various tenor options.

JULO benefits include Flexible payment term, up to 9 monthsand low interest rate (0.1% daily or 3% monthly). In addition, Flexible credit limit Up to IDR 15 million allows users to borrow according to their needs. JULO also offers reward program for faster paying customers. The application process is made easier by it. artificial intelligence technologyand JULO is already on the list FSAensure the security of the service.

3. smart credit

smart credit is the company financial technology which aims to provide Get easy access to short-term loans for Indonesian society. Led by Wisely, a materials graduate. Science of Beihang UniversityKredit Pintar is committed to being the most comprehensive financial solution in Indonesia.

• Features offered: Registered and supervised by OJK, it offers loans of up to IDR 20 million.
• Shipping process: Fast application and payment within 24 hours.
• User Credentials: Smart Credit is known for its simple terms and fast payment process.
• Ceiling and tenor: Adequate loan limit and flexible term.

Smart credit offer Legal protection (OJK permit), asset protection through strict selection and protection of funds with third party insurance. Technology AI and Big Data used for risk management.

The way it works is simple. That is, the user registers, determines the nominal amount and the term, and then waits for the corresponding financing. Smart Credit also won a prize financial technology Best cash fund in Duniafintech Award 2022.

4. Shark

Shark It is a platform e-commerce Southeast Asia’s leading shopping capabilities offering Pay now later and cash loans. Users can apply for a loan or borrow with a simple process in 3 minutes and a limit of up to IDR 25 million.

• Features offered: Cash loans up to Rs 15 million with a tenor of up to 15 months.
• Shipping process: Through the app with verification within a few hours.
• User Credentials: Akulaku is preferred because it offers credit services. the payer except money debts.
• Ceiling and tenor: Different tones and tenors.

Shark He also collaborates with more than 1000 people. businessmanincluding Tiket.com, Bukalapak, Blibli and Alfamart. Benefits include a flexible term of up to 12 months, as well as various payment options. online platform and offline.

5. OK bank

OK Bank offers simple loan solutions with competitive interest rates ranging from 0.79% to 3.49%, depending on the assessment. Maximum loan limits are available from IDR 3 million to IDR 300 million, with flexible terms from 6 months to 5 years.

• Features offered: Competitive interest from 0.89%, maximum up to IDR 200 million.
• Shipping process: Unsecured home loans (KTA) are types of loans that do not require collateral approval. KTA loans with payment within 1 business day.
• User Credentials: OK Bank is well suited for those who need large, long-term loans.
• Ceiling and tenor: High ceiling and long tenor.

This loan can be used for various purposes such as working capital, investment, or consumer needs. The administrative fee is 5% of the approved payment amount.

Tips for choosing and using loans Online

1. Legal verification: Make sure that the loan application is registered with the OJK so that it is protected by law.
2. Please read the terms and conditions: Understand payment details, interest, and the consequences of late payments.
3. Compare flowers and tenors: Choose a loan that offers an interest rate and term that suits your needs and capabilities.
4. Keep personal information private: To avoid identity theft, do not inadvertently provide sensitive information.
5. Punctual payment: Always pay off your loan on time to avoid additional penalties and interest.
6. Fraud Alert: Avoid offers that seem too good to be true and always make sure to apply on an official, registered application.

Select a loan application online Safe and fast liquidation should be done carefully. Make sure that the application you use is registered and supervised by the OJK and meets clear requirements. Using credit services online Trustees are similar Tunaiku, JULO, Credit Pintar, Akulaku and OK Bank, can access funds quickly and securely.