Online Loan Application Already OJK
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The world is now increasingly being controlled by technological advancement. Activities previously performed face to face can now be performed person to person over the internet. Lending and lending activities can also be included in online financing with the OJK Online Loan Application.
Why should it be OJK? Because financial applications, such as online loans, are vulnerable to fraud. By registering a financial application with OJK, it means that there is a responsible person who supervises the activities in the companies that manage this financial application. This way the possibility of fraud is lower.
Online Loan Application Already OJK
Akulaku
Do you know the name of this app? It is true that this application is often used as an alternative to a credit card. Because you can make payments for the goods you buy without using a credit card.
In addition, the Akulaku application also provides secure and OJK-supervised online lending features. This cash loan feature is called Dana Cicil and KTA Asetku. To use the premium fund, you must first meet the requirements, which is to be a good and credible user of Akulaku.
To use my KTA assets, you can borrow money through express exchange. For a refund, you can choose a time period from 1 month to 12 months.
Kredivo
Kredivo is an online loan application supervised by OJK with a maximum loan limit of 30 million. You can choose 3 payment terms, namely 3, 6 and 12 months. The rates of interest charged are also very low. Your installments over 3 months earn 0% interest. While from 6 to 12 months, the annual interest does not exceed 53.36%.
Apart from online loans, you can also make grocery credit on Tokopedia, Lazada, Bukalapak and other similar apps. This loan is offered on a pay later or pay later basis at 0% interest.
Indodana
Indodana is a FinTech platform of PT Artha Dana Teknologi providing Online Cash Loan, Installment without Credit Card and PayLater Services since November 2017. Ease, Security and Convenience to meet customers financial needs.
As proof of the security of this online loan application, Indodana has registered with OJK (Financial Services Authority) and is affiliated with AFPI (Indonesian Fintech Co-financing Association).
The maximum cash loan is 12 million with installments from 3 to 9 months. Monthly interest rate of 8% with provision (reward for creditors on approved loan) 3 months 16%, 6 months 20% and 9 months 15%.
Smart credit
Smart Credit offers online loan services with all the conveniences. All you have to do is install the app, log in with an active mobile number, upload your personal details, and you can get a loan in less than 24 hours.
Your maximum loan can be up to 20 million with installments ranging from 91 days to 360 days. The annual interest rate on the money that you borrow from the Smart Credit application does not exceed 11%, provided that the loan is only an ID card and, most importantly, without collateral.
Tuniaku
The maximum loan amount that you can get is 20 million and the minimum is 2 million. The loan term for this application is also quite long, ranging from 6 to 20 months at an interest rate of 2 to 5%. Tunaiku online loan application also has high legality under the auspices of the financial institution PT Bank Amar Indonesia Tbk, which is already under the supervision of OJK.
To borrow money in the Tunaiku app, make sure you pay on time, because there is a monthly late fee of 150k.