Trusted and OJK Registered Online Loan Application
Online lending (pinjol) itself is a fintech platform (financial technology) which provides funds that can be loaned to customers. Pinjol is basically a financial provider, operating digitally/online, also known as . Allows people who need cash to apply for loans online without having to meet in person. Fintech lending is also known as technology-based lending and borrowing services (LPMUBTI).
Unlike other financial institutions that tend to have many requirements, applying for an online loan is easier. This is because various online loans use simpler procedures and requirements without collateral or complicated document requirements.
Although there are many online loans registered with the OJK. However, there are still many other online loans that operate without permission and supervision from the Financial Services Organization (OJK). This is known as an illegal loan.
They often charge very high interest rates, have access to customer data, apply terms that are inconsistent with the original agreement, or use unethical collection methods. Loans that should be able to lighten and help the burden of life actually add new problems because of this.
List of Online Loans Registered at OJK
In order to avoid this problem, customers need to first examine which fintech services they want to use. Make sure the loan has been officially registered with the OJK so that customers can be protected legally. As a result, both the borrower and the lender can make transactions safely and comfortably.
Here we include a list of official online loans that have been registered and have a business license from the OJK:
Danamas
Danamas is a trademark of a company established in 2000 under the name PT. Komunindo Arga Digital, then to provide convenience for consumers to change its name to PT Pasar Dana Loan which was established under the auspices of Sinarmas Financial Service.
Danamas services provide working capital loans starting from IDR 500.000. Offers various conveniences for borrowers including: flexibility in arranging returns according to the income earned, a hassle-free process, business feasibility as the main collateral, affordable fees, fast credit disbursement.
Not only for loan seekers, Danamas also provides space for capital owners to contribute in providing working capital with profits of up to more than 20%.
For more information, click here Danamas.
investree
Investree has been a pioneer in fintech lending for more than five years. Investree has evolved from a market for people who want to apply for credit and give it to the more influential. It is a platform that provides small business activists with digital business solutions, supply chain focused products, and alternative options for people to make things more convenient and wiser.
Investree provides loans with fees starting from 0,9% per month, a fast and easy process, transparent without any hidden burdens and procedures that can be discussed, and without fixed assets collateral.
For more information, click here investree.
indodan
Indodana is a Fintech Lending platform from PT Artha Dana Teknologi which was established in November 2017 and has received OJK permission since May 2020. PT Artha Dana Teknologi provides loan services, installments without credit cards, mobile phone credit and PayLater services.
The loan service products offered by Indodana consist of several types, such as paylaters using digital credit applications, as well as cash funds to meet various needs of up to 12 million with a loan period of 9 months. Simply by using your KTP, NPWP, and Internet Banking account, the application will be disbursed immediately.
For more information, click here indodan.
Armatha
Founded in 2010, Amartha Microfinance Marketplace claims to be a pioneer peer to peer lending which provides business capital for MSMEs in rural areas. Amartha uses the system credit scoring with machine learning for a more accurate risk measurement, as well as implementing a joint responsibility system. Has more than a decade of experience and has been officially registered and supervised by OJK.
Amartha provides funding for micro entrepreneurs who do not have access to financial services in rural areas. The selected business partners are women micro entrepreneurs with capital requirements starting from IDR 1,5 million. The selection process for prospective loan recipients is carried out using a credit score algorithm to assess eligibility based on business and personality analysis.
For more information, click here Amartha.
WalletFlash
Flash Wallet was founded in 2016 by experts in the financial industry with a vision to realize financial inclusion in Indonesian society. Forming several types of loan products for people in need.
DompetKilat loan product services include several types, ranging from those intended for agricultural and livestock businesses, working capital needs in general, as well as for employees in need. Provides interest returns starting from 1,25% with transparent agreements and adjustable limits.
For more information, click here Flash Wallet .
Tokomodal
Tokomodal is a trademark of PT Toko Modal Mitra Usaha trying to provide solutions for productive business actors to develop their businesses by providing additional working capital. Provide financing for shop goods at Alfamart (OBA) fostered outlets.
The conditions provided by Tokomodal for borrowers are fairly simple, they only need to register as an OBA, ID card, retail business owner, and have an Android device. This service promises fast and affordable funding as well as flexible loan terms and is expected to improve the business capabilities of its customers.
For more information, click here Tokomodal.
my capital
Modalku is a digital funding platform for financial technology-based MSMEs in Indonesia. The vision is to connect potential MSMEs and financiers to support Indonesia's economic growth and shape a more inclusive financial world.
The loan steps offered by Modalku itself are easy. It is enough to do it online, adjust the loan time based on business needs, also without collateral so it is suitable for entrepreneurs. For micro-entrepreneurs, loans can be applied for up to IDR 250 million with a loan tenor of 3 to 12 months.
For more information, click here my capital.
FAST KTA
FAST KTA started a technology-based financial lending service platform in Indonesia in December 2016, under the control of parent company Hadoop Fintech (Hong Kong) Limited, a limited liability company incorporated in Hong Kong. Aims to launch mobile innovation for more financial services for people who don't get banking services.
Borrowers simply complete the loan process for 15 minutes with an approval time of 2-48 hours for approval. Easy submission with just a cell phone without any warranty. Borrowers can also enjoy a 30% discount on service fees after the first loan.
For more information, click here FAST KTA.
Maucash
PT Astra Welab Digital Arta (AWDA), established in April 2018, is a joint venture between PT Sedaya Multi Investama, a subsidiary of PT Astra International Tbk and WeLab. AWDA collaborates with a major technology company, WeLab which is one of the largest fintech companies in Hong Kong and China. AWDA aspires to contribute to expanding financial literacy and inclusion in Indonesia, by providing opportunities for consumers in Indonesia to realize their dreams through easy-to-reach credit.
Maucash loan applications can be submitted to meet all kinds of consumer needs, health, education, vacation, buying new furniture, additional working capital and other needs. Enough with an ID card and salary slip or NPWP, the borrower can apply for a loan.
For more information, click here Maucash.
FINMAS
Oriente Mas Sejahtera (FINMAS) is a peer-to-peer lending company licensed by the Financial Services Authority. Finmas was founded by a team consisting of a generation of digital natives who have extensive experience in building and measuring the scale of business disruption/change.
Borrowers can apply for cash loan withdrawals of up to IDR 5 million quickly and easily and with flexible repayment times. It is enough with an ID card and supporting documents to adjust the proposed service product, the disbursement of funds can be done immediately after the submission process is complete.
For more information, click here Finmas
Acceleration
Akseleran is a peer-to-peer lending platform in Indonesia that connects SMEs that need loans to develop their businesses with a pool of lenders who have more funds to fund these loans.
To apply for a loan, prospective borrowers simply create an Akseleran account by completing their personal/business data (KTP/NPWP and bank account number) online. Wait for the personal data verification process no later than 1 x 24 hours to start applying for a loan. Akseleran conducts an in-depth feasibility analysis of each loan and is committed to minimizing the number of bad loans that may occur.
For more information, click here Acceleration .
Ammana
Ammana has a vision of being ready to connect society with the halal economy and make it universally accepted because it has a good impact. Has obtained a license to become the No.1 Sharia-based Fintek Peer to Peer Lending from the Financial Services Authority.
Running a non-direct funding system, where MSME actors are required to become members of a micro-Islamic finance partner registered in Ammana, which functions as a curation institution for MSME business feasibility. Implementing a profit-sharing system from productive funding results with a pure profit-sharing system between lenders and Ammana's partner Islamic microfinance institutions.
For more information, click here Ammana
LoanGo
KreditGo is a company from Sinar Mas that unites borrowers and lenders in one online platform to provide financial services that are accessible to all users. PinjamanGo is a product based on financial technology (Fintech) for borrowing and borrowing money in Indonesia.
KreditGo provides convenience for borrowers at low costs, transparent and in accordance with OJK regulations. Requirements are enough with an ID card, mobile number, and have income. A late fee of 1,2% per day includes interest, penalties and other fees.
For more information, click here LoanGo.
FUND TREE
TREE DANA was founded with one goal in mind, namely to provide better and more efficient financial services to every consumer by utilizing the latest online technology. In the era of technology, it should be able to facilitate access to all consumers, so that they can apply for financial services anywhere and anytime.
Prospective borrowers will apply for a loan application on the TREE DANA website or application by filling out the application available on the TREE DANA website or application. Interest rates for working capital borrowers range from 1,5-3% while interest rates for employee loans range from 1,25-3%.
For more information, click here FUND TREE.
BLOSSOM
Mekar (PT Mekar Investama Sampoerna) was established with the aim of increasing financial access for MSME actors in Indonesia which has a positive social and economic impact. We do this by connecting lenders with small businesses that need venture capital.
For those of you who apply for loans, MEKAR offers two products, namely Meakrinaja in collaboration with PDaja.com to help you provide overdraft loans using collateral in the form of fixed assets such as land, houses, and shop houses for whatever your needs are with an easy and fast process.
Furthermore, there are Multipurpose, namely loans that can be used to meet various needs without collateral with a short period of time.
For more information, click here BLOSSOM.
Real Capital Fintech
Formed in August 2017, Esta Kapital has a vision to build a community without poverty. Providing convenience to people who have financial limitations by providing services micro lending community which combines lenders and borrowers without any distance restrictions.
Utilization of digital technology as an innovation in the financial sector with a mechanism that allows lenders/EstaLenders and loan recipients/Borrowers to make lending and borrowing transactions without having to meet directly in the online system that has been provided by EstaKapital through applications and websites.
For more information, click here Real Capital.
Creditpro
KreditPro Indonesia is a financial technology company under PT Digi Asia. PT Digi Asia Bios is a company located in Indonesia which is one of the shareholders and also the parent company of PT. Tri Digi Fin (Credit Pro). The company has been established since November 2017 and is a company engaged in digital financial services, including business consulting, business technology development.
KreditPro promises prospective borrowers an easy and fast application process. Friendly interest is given depending on the classification, ranging from 12%-30%. Without asking for collateral, KreditPro only charges a platform fee of 0-2% and does not charge insurance fees.
For more information, click here CreditPro.
FINTAG
FINTEGRA HOMIDO INDONESIA presents solutions for financial needs for business actors through the development of financial technology. As part of the financial world in the digital era, FINTEGRA was officially formed in November 2016 starting in the fisheries and marine industry sector as well as empowering Financial Agents, especially Financial Consultants for Bank Mina Partners (KKMB Mina).
The terms offered by FINTAG are fairly easy, which is enough to have an ID card at least 21 years old and be part of the ecosystem of a business group or employee. You can apply online with loan interest adjusted to the level of risk generated from the scoring system. Costs can be measured by the level of risk through internal scoring system, the lower the loan risk the smaller the open rate that must be paid.
For more information, click here FINTAG.
CROWDO
Crowdo is the largest crowdfunding company in Asia with a mission to help innovators and entrepreneurs in Asia. As the pioneer of a complete portfolio of financial 2.0 solutions in Asia, it has been trusted by various groups ranging from start-ups to large technology companies as well as global social organizations.
Improved access to liquidity driven by an innovative total credit score and wide range of financial products, Crowdo helps you to improve cash flow for better and faster in a flexible way. The basic fee charged to the borrower is the processing fee and administrative fee which is calculated based on the effort required to join and check the financing application.
For more information, click here CROWDO.
JULO
JULO was founded at the end of 2016 by Anak Bangsa. Through the integration of the latest Artificial Intelligence (AI) technology, JULO is revolutionizing digital financial access to support the financial inclusion of millions of other nation's children. This is in line with his vision of making Indonesians more financially empowered and able to improve their quality of life through financial inclusion with access to digital credit.
Submission of cash funds with a limit of Rp. 15 million per submission, it is enough to fill out the form and complete your personal data. Digital credit installment payments with a long tenor of up to 9 months and adjustment of payment dates according to payday. The interest rate offered starts from 0,1% per day, unused credit limits will not be subject to interest and do not need to be paid.
For more information, click here JULO.
BorrowCapital
Pinjam Modal was established in 2017 amid the trend of demand for technology-based financial products that are easily accessible to all people in Indonesia. Until now, Borrowing Capital continues to move forward to provide financial services, especially for MSMEs offline and online as well as entrepreneurs who need financing in the productive sector.
One of the services offered by Borrowing Capital for you is Borrowing Business Capital. is a facility in the form of business capital provided to MSME actors who are in an ecosystem such as accepting digital payments, collaborating with logistics service providers, cashier system (POS) application users, selling in e-commerce, social commerce and others. have digital foot print. Choice of a period of 1-12 months with funds ranging from IDR 5 – 100 million.
For more information, click here Borrow Capital.
Singa.id
Singa is a technology-based financial company in Indonesia that directly brings together people who want to apply for loans and people who want to provide loans.
The conditions given by Singa Fintech are quite simple. You only need to have an ID card with a minimum age of 21 years and a minimum income of IDR 1.200.000. Already have a savings account in your own name and have an active email. The number of loans that can be applied for starts from IDR 400 thousand to IDR 4 million. The loan limit will be adjusted to your credit score.
For more information, click here Singa.id.
.Independence Fund
Dana Merdeka is here to offer a vision as a reliable provider of financing by helping MSME players develop according to the times.
Prospective borrowers are free to determine the loan amount starting from IDR 500 thousand to IDR 15 million. The disbursement itself will take place quickly even on the same day when the loan application is made. Currently, Dana Merdeka has distributed its funds to 33.556 borrowers throughout Indonesia.
For more information, click here Independence Fund.
Easycash
Easycash is a digital financial technology platform that serves the Indonesian people, we are licensed and supervised by the OJK (Financial Services Authority). With AI and big data risk control methods and the use of a credit score system that we developed ourselves.
The advantages that Easycash offers for borrowers include only three minutes of eligibility check, 24 hours disbursement of funds, easy loans with identity cards, to the absence of hidden or transparent fees.
For more information, click here Easycash.
BorrowYuk
Borrow yuk is a cash loan application with online service and without collateral by PT. Kuaikuai Tech Indonesia. PinjamYuk provides several loan products such as Practical Loans and Easy Loans.
In the PinjamPraktis service, the conditions provided are quite simple, namely age 17-60 years, have income, and have a NWPW or KTP. Meanwhile, in light loans, the minimum age for prospective borrowers is 21 years. The interest given is 0,4% per day throughout the deadline.
For more information, click here BorrowYuk.
finplus
FinPlus is a technology-based loan service that is concise, friendly and reliable. FinPlus was founded in 2018 under the auspices of PT. Sustenance with Technology (PT. RBT). FinPlus services are built with the latest technology with the implementation of Artificial Intelligence, Machine Learning, and Big Data Analytics.
All FinPlus customer data is stored on local Indonesian servers with encryption technology to ensure all FinPlus consumer data is safe. The requirements for applying for a loan must be at least 21 years old.
For more information, click here finplus.
MoneyMe
UangMe Paylater allows you to shop easily or apply for a personal loan with payments within 30 days to 6 months later. Apply in 5 minutes, approval in 1 minute and disbursement in 1 minute. As well as offering a variety of attractive promos and discounts.
Bill payments can be made via online bank transfer, ATM or Minimarket. Successfully won an award as the Top 50 Inclusive Fintech in 2020. Provides a limit of up to Rp. 20 million, with an installment deadline of 1-6 months.
For more information, click here MoneyMe.
Sharia Fund
Dana Syariah has a vision of inviting the public to carry out economic activities according to Islamic law, so that halal and blessing sustenance can be obtained for the welfare of the hereafter. To become a forum and center for sharia economic activities that can make it easier for the community to carry out economic activities according to Islamic law.
Sharia Funds provide several types of funding such as Construction Funds and Housing Funds. The Reconstruction Fund will provide financing assistance in constructing a construction according to the needs of the borrower. Meanwhile, Dana Rumah is a service for alternative home ownership financing with an easy sharia scheme.
For more information, click here Sharia Fund.
clickUMKM
KlikUMKM has a vision to become a reliable and sustainable solution partner in information technology-based lending and borrowing services. As the name implies, KlikUMKM was created to help fund existing MSMEs.
The services that KlikUMKM will provide for loan recipients are training for MSME partners, marketing assistance, collaboration with associations, and an easy financing process. The service fee is a maximum of 6% with a maximum administrative fee of IDR 1000/person. Not only as a borrower, you will be helped to build your MSME.
For more information, click here clickUMKM.
LITTLE
CICIL has existed since 2016 and is active in responding to all the challenges of education needs in Indonesia. Until now, CICIL has become a trusted educational financial service for the people of Indonesia. Since conventional financial institutions require a credit history or minimum income as a condition for applying for a loan, student financing facilities are very limited.
Saving for months to buy a laptop for college assignments and thesis is indeed difficult. That's why CICIL aims to be a solution to problems like this. Analyzing various variables, including the academic profile of students, to provide them with light installment facilities. With this facility, students can buy the product of their dreams.
For more information, click here LITTLE.
granary of funds
Lumbung Dana created a Peer to Peer (P2P) Lending platform to bring together Lenders and Borrowers. The technological innovations created are expected to reach and provide safe, easy and convenient financial access services and provide equal opportunities to all levels of society in realizing their goals and creating sustainable and quality economic development.
Lumbung Dana offers two products, namely Employee Loans which are intended to fulfill consumer needs financing facilities more easily with competitive interest. There are also MSME loans to meet business capital needs. With a large financing starting from IDR 1 million-50 million, and a tenor of 3-12 months you can get it without collateral.
For more information, click here granary of funds.
Those are some online loan service applications that are registered with the OJK. Some services have their own specialties that may be able to provide more benefits for you beyond the urgent need for funding. Don't forget to pay close attention to the details of the requirements, and pay off the loan according to the tempo!
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