6 Recommendations for the Safest Online Loan Application and Fast Process in 2022
Online loans must be safe and registered with the OJK. This application can help you when you need additional funds. Want to know what these trusted applications are?
Are you currently in need of extra funds? Online loan applications can be the solution. The reason is, when compared to borrowing money at a bank, online loans offer a much faster and easier process. You don't have to leave your house and wait in long lines at the bank.
The submission can be done easily through the application on the mobile phone, thus saving time and effort. But behind its convenience, online loans also have a number of risks. These loans generally charge interest on a daily basis and there is also a risk of fraud. There's been a lot of news lately about online loans that are troubling.
Therefore, it is important to determine whether the online loan service has been registered with the Financial Services Authority (OJK) or not. To help you choose, here we present the best and most trusted online loan application.
1. The First Best Pinjol Application
An online loan in the form of a mobile application. The difference between this application and other fintechs is that it provides a maximum initial loan of IDR 1 million within a maximum of 14 days. In the mobile application, each customer will get a credit score made by the application.
The loan value can be increased as long as the customer's credit score increases in this application. Unfortunately, the terms and documents required are not described in detail in the mobile application. To find out, we have to apply for a loan first, fill in data such as phone numbers and emails, then we can find out the document requirements and conditions.
2. The Second Best Pinjol Application
Is one of the providers of unsecured loans and salary slips. They claim to be an online loan application that can be immediately disbursed in just 30 minutes.
The requirements and documents needed to apply for a loan in this application are:
22-60 years old
Certain employees or professionals with fixed income
Domiciled in Jabodetabek
This application does not require any documents to be submitted.
You only need to fill in the following information:
Personal information
Bank account information
The loan tenor through this application is 10, 20 or 30 days.
With a loan amount ranging from Rp. 500 thousand to Rp. 2 million for the first loan and up to Rp. 5 million for the second loan or subsequent loans.
3. The Third Best Pinjol Application
Smart Credit is also an online application that does not require a payslip.
You can get funds quickly with just an ID card and cellphone.
Conditions for submission:
ID card
Bank account in the name of the borrower
Indonesian Citizen (WNI)
18-21 years old if not married
Aged 22-60 if married
Domiciled in Indonesia
The trick is:
Fill in personal data in the application.
Wait for the verification process regarding the data to complete.
After the verification process is complete, the funds will be sent directly to the account.
This application is free of charge.
You can also choose the type of loan with a tenor of 14 days, 30 days, up to 3 months according to your needs.
4. The Fourth Best Pinjol Application
Next is a money lending platform called TunaiKita which offers loans without collateral and conditions.
The conditions for submission are:
Indonesian citizen
21-60 years old
ID card
NPWP
Local bank account
Domiciled in the Greater Jakarta area
Required documents:
ID card
Private contact
Video verification
Job information
Facebook account information
The loan amount ranges from Rp. 1 million to Rp. 1.5 million. For a minimum with a loan tenor of 10 days and a maximum of 30 days. The interest rate itself is 0.95 percent per day.
5. The Fifth Best Pinjol Application
Easy Loans is a 24-hour online loan application that can be downloaded on the Play Store.
You do not need to submit documents in paper form.
Just follow the instructions on the application page and have your ID card and bank card ready before applying.
The loan amount starts from Rp. 600 thousand to Rp. 5 million.
The loan period is 7 days and 14 days.
The requirements are:
Indonesian citizen
Over 21 years old
Have a stable source of income
Domiciled in Jakarta, Bandung, Surabaya, Bekasi, Tangerang, Bogor and South Tangerang.
6. The Sixth Best Pinjol Application
DanaBijak is an online money loan application that does not require a payslip.
Requirements:
Indonesian citizen
Domiciled in Jabodetabek
Minimum income IDR 2.5 million
Have an ID card
Bank account
Latest photos
An active email address and phone.
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