Jakarta, Duniafintech.com – Of course, the best loans or online loans have got official permission from the Financial Services Authority (OJK).OJK).
The loan platform is a practical solution to get a quick and easy loan. However, not all online loan applications are safe. In order not to fall into the trap of stifling interest and terror from debt collectors, you should use an application that has received official permission from the Financial Services Authority.
At the moment, borrowing is an easy solution to solve your financial problems. Because the procedure is very easy and simple compared to banking services. Here are 10 of the best online loans authorized by OJK.
List of OJK Official Loans and Online Supervision
For reference, here are 10 lists of the best official online loans that have been registered and supervised by OJK, including:
1. Best Online Loans: Smart Credit
Including one of the “oldest” lending platforms in our country, Kredit Pintar offers loans with a maximum of IDR 600,000 to IDR 20,000 with a repayment period of up to 12 months.
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The requirement to apply for a loan on this platform is that you be over 21 years old and have an ID. To repay a loan at Smart Credit, there are several payment options to choose from, namely ATM, M-Banking and Alfa Group.
2. Best Online Loans: Indodana
Like Smart Credit, Indodana also offers a fairly high limit with a repayment period of up to 12 months. But for initial loans, Indodana offers a limit of around IDR 500,000 – IDR 1,000,000 that can be repaid over 3 months. In order to get a higher limit, be sure to pay off the loan on time.
Read also: Best Online Loans With OJK Permits, This Is The Best Choice
3. Best Online Loans: Ada Pundi
This app with official permission from OJK has different credit limits with a choice of maximum term up to 180 days or 6 months. The interest rate specified by Ada Pundi is 0.8%. In order to cash out the loan, make sure you have a good credit score and no arrears on other official online loan platforms.
4. KTA Express
Applications belong to PT. Nusa Technology Funding offers loans with a limit of IDR 8,000,000 and tenure of up to 6 months. KTA Kilat itself fixes the interest according to the recommendations of the OJK, which is about 0.8% per day and consists of loan interest and application fees, as well as administrative costs and risk mitigation.
So it should not be surprising if the nominal amount disbursed to the account is different from the loan given.
A platform owned by the Astra Group, Maucash also provides a payment feature to spend on credit, electricity or other necessities in the market. Compared to other official online loan applications, the limit offered by Maucash is very low, ranging from IDR 500,000 to IDR 3,000,000 with a repayment period of up to 6 months.
Like Maucash, Julo not only has the advantage of instant loan but also has the benefit of paying for shopping in the market. The company, which has been in operation since 2016, offers a loan limit of Rs 15,000,000 at a relatively low interest rate of 0.1%.
Julo also offers cashback to customers if they pay their installments before their due date.
7. Rupee boxes
KTA (Unsecured Credit) platform provides easy loans. In order for us to be able to avail a loan from Rupiah Fund, we need to download this official online loan application from the Play Store and create a new account.
After completing personal data and many other conditions, the Rupee fund will provide a limit of up to 25,000,000 rupees with a choice of long and diversified tenures.
Offering loans with easy terms and fast processes makes UKU one of the platforms many people use. In terms of limits, UKU is one of the fastest growing companies as long as the client has a good credit score. This application offers a loan of a maximum of IDR 5,000,000 with a term of up to 60 days.
Including one of the platforms offering low interest rates, UangMe has obtained official permission from OJK. To get a loan from this application, the required requirement is an ID card, be at least 21 years old, and have a stable income either as an employee or as a business owner. UangMe itself offers a limit of IDR 5,000,000 with a maximum of 90 days or 3 months.
Offering a limit of IDR 10,000,000 makes Danafix the most recommended one. However, the limit available to new customers is only between Rs 500,000 and Rs 1.5 million. In terms of disbursement, Danafix is quick and easy, as long as you have a good credit score, this app will not hesitate to increase the limit once your previous dependents are paid off.
This is a review on the best online loans that have been authorized and supervised by OJK. I hope this information is useful to you.
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Author: Contributor / Shuhada Banji A