Along with the development of technology, nowadays people can get money loans easily from online loan applications. By accessing the application from a smartphone, you can already get a loan.
Currently, there are also many applications that offer loans or online loans where the funds received can be directly used for consumptive needs. So what applications provide this service? Here’s the review.
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1. Smart Credit
The first application that can be used to meet consumer needs is smart credit. This pinjol application is one of the borrowing applications that has quite a lot of enthusiasts. This application offers loans ranging from IDR 600,000 to IDR 2,300,000 with various tenor offers ranging from 14 days to 3 months.
To get a loan from the application, you only need to fill in the requested personal data and attach a photo of your ID card and a selfie photo with your ID card. This online loan application is also not a fake application because this application has an office located in DKI Jakarta so you don’t have to worry about the personal data you provide.
With an adequate loan nominal, you only need to pay a maximum interest of 0.80% per day. This application is suitable for those of you who need funds to meet their daily needs. Download here to get more information.
2. Julo
An online loan application that can also be used to meet consumer needs is julo. Unlike other loan applications which usually only provide a maximum loan tenor of 30 days, julo provides new users with a tenor of up to 90 days.
This is considered to be one of the plus points of the loan application which has been established since 2022. The loan ceiling amount offered is also quite large, starting from IDR 2,000,000 to IDR 8,000,000. You only need to attach an ID card and make sure your age is in accordance with the provisions, which is a minimum of 21 years.
If you are interested in borrowing in the julo online loan application, you can immediately install the application here.
3. Akulaku
The current pinjol application has indeed become one of the community’s favorite applications. Not only can it be used to borrow in cash, some applications also provide direct installment limits that can be used to buy various needs through the application. One application that provides this service is Akulaku.
Akulaku itself provides several services, ranging from Akulaku Pay, which can be used for shopping at various e-commerce sites, to Express Credit Cards in the form of online loans that you can receive in cash. You can quickly receive a cash loan in the Akulaku online loan application with an estimated time of 1 working day from submission.
You can choose various loan ceiling options starting from Rp. 500,000 to IDR 2,000,000. The loan tenor that must be paid is also quite diverse, ranging from 8 days to 30 days. For more information, you can download the Akulaku application here.
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4. Kredivo
Similar to Akulaku, another application that provides cash loan features along with purchase installments is Kredivo. Kredivo provides a loan feature that can be disbursed in less than 24 hours from the date of submission. The loan limit provided is also quite adequate starting from IDR 500,000.
This online loan application issued by PT FinAccel Finance Indonesia also collaborates with several e-commerce companies such as JD.ID, Lazada, Bukalapak, to Blibli. To get a loan facility in this application, you must meet requirements such as a minimum age of 18 years, and have a fixed income of at least IDR 3,000,000 per month.
After meeting these requirements, you can install the Kredivo application here and get loan facilities according to your needs.
5. Fast Rupiah
If you are looking for a loan application that provides a fairly long tenor, then you can choose a fast rupiah application. The fast rupiah application provides a variety of tenor options ranging from 65 days to 90 days to its users.
Just like other online loan applications, this fast rupiah application also provides various ceiling options ranging from IDR 400,000 to IDR 5,000,000. With these various ceiling options, you can freely apply for a ceiling according to your needs.
For those of you who want to get a cash loan from this application, you can install the application here and fill in any requested data. Fill in the data as completely as possible and get the facilities you need.
6. My cash
Another loan application that many recommend is the cash application. Although it is a loan application, this online loan application has a very striking difference from other applications, namely that this application is managed directly through banking.
My cash application is part of PT. Bank Amar Indonesia and supervised by OJK as a financial supervisor. The cash application provides a choice of ceilings ranging from IDR 2,000,000 to IDR 20,000,000 and a choice of tenors ranging from 6 months to 20 months.
To get a loan facility from the cashku application, you must meet various requirements, one of which is being in or living in the cashku service area. To find out the list of areas that are included in the cashku service area, you can download the cashku application here.
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Those are 6 online loan applications that can be used to meet your consumptive needs. To get a loan that suits your needs, you should do a survey first to find out whether the application is legal or not.
Make sure you use an application that has been registered with the OJK so that each of your loan and payment history can be accounted for in the eyes of the law. In addition, ensuring that the application you are using has been officially registered with OJK can also help ensure that your personal data and ID card are not misused.
Another thing you need to pay attention to when you are going to borrow online is to make sure the loan you are applying for fits your needs. Don’t let it be because you feel you can get a large loan limit, so you immediately apply for a loan with a large nominal without calculating your ability to pay.
Make sure you calculate your ability to pay carefully before applying for a loan on an online loan application. Your accuracy and maturity when considering a loan to be taken will determine your life in the future.
