Recommendations for Loan Applications Registered with OJK for Safe Transactions – In the past, to borrow money had to go through a fairly complicated process and didn’t take a while to go through a bank. Along with the times, people have been able to borrow money with cellphones and the internet, namely through applications. However, you still have to find out which loan applications are registered with the OJK so that the process is safe. Not to mention that there are many fake online loan services (pinjol) that cause losses. Here are apps that you can try to make a loan safely:
Recommendations for Loan Applications Registered with OJK for Safe Transactions
1. Kredivo
Kredivo is an application that provides lending services and has been registered with the OJK. This 16 MB size application can be used with a minimum loan of 500 thousand, and a credit limit of up to 30 million. The interest given is 0% for a 30-day repayment tenor, while for installments within a period of 3 to 12 months, an interest rate of 2.6% will be charged. The requirements for making a loan at Kredivo are not complicated, the borrower has a minimum age of 18 years and a maximum of 60 years, has an income of at least 3 million, and his domicile is in an area that is included in Kredivo’s services.
2. Fast Rupiah
The next loan application registered with the OJK is Rupiah Fast. Apps with a size of 13 MB have offers in the form of loan funds from 400 thousand to 5 million. The loan period that can be selected starts from 65, 75, and also 90 days. This is quite a long time for a loan amount of under 500 thousand. The interest given per day is 0.54% so that the total interest in 65 days will be 35%.
3. Loan Applications Registered with OJK, Finmas
Finmas has obtained an OJK permit as a cash loan application. The features of this 16 MB app are cash advanced (loans specifically for urgent needs) and installments without a credit card (also called pay later) to buy goods from various merchants that work with Finmas.
The credit ceiling offered starts from 500 thousand to 5 million. The available tenors are 30 days to 3 months. The submission process is fairly fast, which is 3 days and is subject to 0.7% interest per day. Some of the requirements include personal identity, bank account, BPJS, proof of employment, and so on.
4. Julo
Julo is an application to borrow money that has been given permission by the OJK. Play Store has this app with a size of 14 Mb. There are three products offered. Julo Mini with a loan of 1 million and a deadline of 30 days (10% interest). Next is Julo Installment whose loan is 8 million with a tenor of 3 to 6 months (interest ranging from 1.5% to 4%).
In addition, there is also Julo Collateral, which is a loan with collateral, for example BPKB, house certificates, and others. After registering by filling in the data, Julo immediately processes and sends the results of the analysis in the form of a recommendation on which ceiling should be submitted including the interest and the loan period.
5. Loan Applications Registered with OJK, Danabijak
In the loan application recommendation, registered with the OJK there is Danabijak. This application provides a credit limit starting from a relatively small nominal of 300 thousand, while the maximum is 3 million. The tenor can be obtained up to a maximum of 90 days. Apps with a size of only 2.4 MB require the user to fill in the data correctly and then verify the cellphone number. There are contract signings that can be done online. The interest itself is 0.80% per day.
That was the discussion about loan applications, registered with the OJK. Before making a loan. Issues related to money are quite sensitive for many people, so make sure you understand the terms and conditions that apply. Read carefully and don’t hesitate to ask questions if something isn’t clear. This is important so that there are no unwanted misunderstandings in the future.
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