The Best Online Loans Registered by OJK and Suitable for Beginners The Best Online Loans Registered by OJK and Suitable for Beginners, Fintech (Financial Technology) operates online with its services in the financial industry, similar to online transportatiThe Best Online Loans.

Registered by OJK and Suitable for Beginners, on services. These are the seven greatest online loans authorized by the OJK that are appropriate for novices.

You no longer need to leave the house; simply download the official app from the PlayStore and install it on your smartphone.

With only an ID card as a condition, your online loan application can be granted in a matter of minutes, and the money are quickly deposited into your account.

The Best Online Loans Registered by OJK and Suitable for Beginners

However, it appears that the advent of Fintech has created additional challenges. Many clients who are unable to pay their bills on time are terrified by Fintech businesses.

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From the transmission of personal data to horror over the phone and extreme curiosity. This is undoubtedly disturbing until the OJK (Financial Services Authority) steps in and controls unlawful Fintech.

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So, to avoid feeling disadvantaged while borrowing money online, here are some of the top online lending service providers who are registered with the OJK and are worth a try!

1. Intelligent Credit

Smart Credit, which was officially launched for Android users in September 2017, is well-known among Indonesians as a simple online loan.

You may download and borrow straight with the little application size. You simply need an ID card and a selfie with an ID card; you may select the nominal and tenor of the photo.

Personal data, work information, certain supporting documentation for restrictions, emergency business contact information, and personal bank accounts are frequently required. The extremely fast verification process is what makes Smart Credit so popular and suited for novices.

Your loan application will be processed in minutes, and if it satisfies the conditions, it will instantly agree, and the money will be sent into your account.

For the initial user, Fintech approved by the OJK through PT Kredit Pintar Indonesia gives a nominal value of IDR 500 thousand, which may be gradually enhanced as long as it is paid on time up to IDR 500 million.

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Tenors range from 14 days to three months, with an interest rate of 0.5% each day. Aside from the quick and simple payout method, another advantage of Smart Credit is that it can service consumers all around Indonesia.

2. Finmas

One of the reasons Fintech companies are hesitant to issue online loans is because the interest rates are too high. Even if you seek for a loan of IDR 500 thousand, the payout to your account will be in the IDR 250 thousand area.

But don’t worry, if you chose Finmas, you won’t have to deal with it. Finmas, headquartered at Cocowork Uptown, 3A floor Jl. Timor no. 16, Gondangdia.

Menteng Central Jakarta 10350, is renowned as one of the lowest-interest online loan providers. Finmas is ready to give modest loans in the short time based on Peer to Peer Landing (P2P).

As long as you have a stable monthly income of at least IDR 2 million, you may acquire IDR 500 thousand in fresh cash with a loan term of 30 days by simply depositing your ID card and filling up your personal information.

If you wish to raise the limit to IDR 1-2 million, Finmas will request your pay stub to ensure that you can pay off the payments.

3. The Cashwagon

You want to borrow money online but don’t want to pay interest? Then try downloading and installing the Cashwagon program. With an interest-free initial loan offer

Cashwagon is ideal for newcomers who are unsure where to get emergency finances because it has a tenor of ten days. It’s quick; your loan application will be handled in less than 24 hours.

Cashwagon is certainly one of the safest and most reputable Fintechs, with its valid registration number S-5475/NB.111/2017 and OJK license number 77/POJK.01/2016. As long as you have an ID card and are between the ages of 20 and 60.

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And have a consistent income (employee or self-employed), your loan will be issued straight into your personal account, with a higher ceiling if you pay it on time.

4. Moneyfriends

The UangTeman application, owned by PT Digital Alpha Indonesia, is a trusted Fintech due to its status as the first micro lending institution in Indonesia.

UangTeman has been giving options to borrow money online since April 2015, when the presence of Fintech was not as prevalent as it is now.

Initially limited to Greater Jakarta, UangTeman today covers practically all of Java and has spread to Sumatra, Kalimantan, and Sulawesi.

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Author: Irdansyah
I'm a regular contributor to IRDANSYAH commander, and in my business blog, my team and I share tales on the experience of starting a business from zero, how it feels to build a startup, and how to scale-up.

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