OJK 2022 Low Interest Borrowing, Peek Here at Recommendations

Jakarta, Duniafintech.com – Low interest borrowing with permission Financial Services Authority (OJK) 2022 It is important to know when you need new money.

The reason is that at this time there are so many illegal loan services online or you don’t have permission from OJK that they entrap many victims.

So, to find out our list of the best and most trusted pinjol in 2022, take a peek here for recommendations.

Read also5 : Low Interest Borrow Quick Disbursement of KTP Capital Only, Peek!

Low Interest Loans: Online Loans

Basically, an online loan is a loan that can be offered via an application and online. This application is a technological innovation in the financial sector, which is commonly referred to as financial technology (fintech).

The existence of this financial technology will certainly facilitate the process of lending and borrowing that was previously known to be troublesome and time-consuming. Currently, without the need for a face-to-face interview, anyone can apply for credit easily and certainly faster.

Here, simply download an online loan application via PlayStore then register and fill in the required requirements, then proceed to the loan application process.

Later, within minutes, the new money will immediately flow into your account via bank transfer.

Here is a list of the best OJK low interest loan recommendations 2022, as quoted from: Whatch out.

little interest

Best Low Interest Loan Recommendation OJK 2022

1. Low interest loan: FINMAS

Do you need a quick loan with enough capital for an ID card? Maybe FINMAS could be your solution. Get quick cash loan online in 3 working days with periods ranging from 90 days to 270 days. Low interest rates and easy installments.

FINMAS is a platform or application issued by PT Oriente Mas Sejahtera as a provider and provider of IT based money lending services. This platform is also registered and supervised by OJK (S-56/NB.213/2018).

Core feature:

  • Loan ceiling up to IDR 5
  • Loan term from 91 to 180 days
  • disburse the loan in minutes


  • Download the FINMAS app on your smartphone via PlayStore / AppStore.
  • Sign up.
  • Select the desired loan scheme.
  • Fill out personal details and complete documents including ID cards, personal photos, emergency contact information, job information and bank account information.
  • Consent to the use of electronic signatures.
  • Waiting for the results of the FINMAS verification.
  • money disbursement process.

FinMAS loan application requirements:

  • To be at least 21 years old.
  • residing in Indonesia.
  • You have a fixed income.

Documents required for loan application at finmas:

  • KTP / e-KTP.
  • Salary slip or employee card.
  • SIM / Passport.
  • A bank account in your name.

2. Easy Cash

This is an application that carries the concept of financial technology through the use of technology in managing the online cash loan business.

EasyCash uses proprietary technology to collect data, analyze and process unsecured loans provided within 24 hours.

With this technology, you can easily perform the process of borrowing money online through an application on your mobile phone anytime and anywhere.

Core feature:

  • Loan ceiling of IDR 20 million
  • Duration starts from 93 days to 180 days
  • Disbursement of the loan in one day

How to apply for a loan online with Easy Cash App:

  • Download the Easycash app.
  • Fill in the required personal data and information in the application.
  • Wait for the verification process.
  • The money will be transferred to your account.

Easy Cash Submission Terms:

  • 21 years old.
  • You have an ID card.
  • You have a permanent job.

Documents required for easy cash delivery:

  • A personal photo and a photo.

3. Kredivo

Kredivo is Indonesia’s leading digital credit application that gives you the convenience of buy now and pay later within 30 days without interest or in 3 months, 6 months or installments up to 12 months.

You can use Kredivo as a payment method at online and offline merchants like Tokopedia, Bukalapak, Lazada, JD.id, Blibli, Tiket.com, Mc Donalds, Erafone, Ibox, Samsung Store, Best Denki, Gramedia and more than 1000 others or offer limit exchange Your credit for a cash loan.

Core feature:

  • 5 minutes to register
  • Liquid money in one minute
  • Online and instant registration


  • Monthly income: IDR 3,000,000
  • Applicant age: minimum 18 years and maximum 60 years at settlement time
  • Who can apply: Indonesian citizen

Credit Card Ownership Terms:

  • Credit Card Required: No

Read also: OJK’s Best Low Interest Borrowing for 2022, here’s the full list

How to register:

  • Required Documents
  • ID card (KTP) and a photo (selfie)
  • Proof of Residence: Connect the e-commerce account that was used for the transactions.
  • Proof of Income: Connect your Internet Banking Account / Salary Account / NPWP or BPJS Job.

4. Adakami

This P2P lending company operated by PT Pemfundan Digital Indonesia provides online loan facility without collateral with fast process.

Core feature:

  • Loan ceiling up to IDR 10 million
  • Loan terms start from 3, 6 and 12 months
  • Affordable service fees and benefits
  • There are no guarantees

Adakami Submission Terms:

  • Indonesian citizens.
  • You have an ID card.
  • Minimum age of 21 years or maximum of 50 years.
  • You have a fixed income.
  • Active mobile number.

Documents required for AdaKami submission:

5. liquid

In the online financial loan application, you can choose the loan ceiling and loan term according to your needs.

Core feature:

  • Loan ceiling of IDR 3.6 million
  • Loan term ranges from 3 to 12 months
  • little interest

Conditions for providing liquidity:

  • Indonesian citizens.
  • You have an ID card or passport.
  • You have a local bank account.
  • over 18 years old.
  • You have an Indonesian mobile phone number.

Documents required to provide liquidity:

Some reviews about low interest loans that you need to know. Congratulations on applying for a loan!

Read also: Borrowing at low interest is a financial solution, here is the recommendation!

Read on for the latest Indonesian fintech and crypto news only at Duniafintech.com.

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