Find various best online loan applications with fast processes, low interest, and reliable for your financial needs.
Online loans are now increasingly popular as a quick and easy solution for urgent cash needs. With increasingly developing technology, online loans offer convenience, flexibility, and a fast process.
However, with so many choices of online loan applications, it is important to choose a safe and trusted one. The following is a list of the 10 best online loan applications that can be relied on, which have been registered and supervised by the OJK (Financial Services Authority), so you can be calm in applying for a loan.
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1. Smart Credit
Kredit Pintar is an Online Loan application that is quite well-known in Indonesia. Since its launch in 2017, Kredit Pintar has helped many people gain access to fast loans with low interest rates. This application is registered with OJK, so you can be sure of its security.
Kredit Pintar offers various loan products with competitive interest rates and flexible tenors. The maximum loan you can apply for through this application is IDR 20 million.
In addition, Kredit Pintar also collaborates with LinkAja, making it easier for you to apply for a loan through the application.
2. Indodana
Indodana is an online loan application that has been registered and supervised by OJK since 2018. Since its launch in 2017, Indodana has offered loans with 0% interest for three-month installments.
In addition, you can choose an installment tenor of up to 12 months with a loan limit ranging from IDR 1 million to IDR 12 million.
Indodana offers a fast application process and can be used for urgent needs such as online shopping loans. This application is also integrated with LinkAja, making it easier for users to apply for loans.
3. Akulaku
Akulaku is a very popular online loan application in Indonesia because of its fast disbursement process. With flexible loan products, Akulaku allows you to choose a credit tenor from 1 to 12 months.
Once you have a good loan history, you can also take advantage of the Asetku KTA product for smaller loans with short-term disbursement.
In 5 minutes, you can get a loan of up to IDR 3 million. This application also makes it easier for you with various features and services available.
4. Kredivo
Kredivo is an online loan application that offers loan products with easy and fast terms. Registered with the OJK, Kredivo offers loans of up to IDR 30 million with quite competitive interest rates.
One of the advantages of using Kredivo is the minimum income requirement of only IDR 3 million per month. The products offered include cash loans and purchases of goods with installments.
Kredivo also provides an interest-free installment purchase feature for a three-month tenor, which is very beneficial for users.
5. Fast Rupiah
Rupiah Cepat offers loans with a fast process and easy requirements. You can borrow funds starting from IDR 500 thousand to IDR 10 million with flexible tenors. The application process is very easy, just by attaching your ID card and bank account.
Rupiah Cepat is registered with the OJK, providing convenience and trust to its users. This application is perfect for urgent funding needs because of its fast process, with funds disbursed in a short time after the application is approved.
6. Danamas
Danamas is an online lending application that is also registered with the OJK and is affiliated with the Indonesian Joint Funding Fintech Association (AFPI). This application offers loans of up to IDR 7.5 million with a term of 3 to 6 months.
The interest charged starts from 14% per year, which is still relatively low for an unsecured loan. The fast verification process makes Danamas the right choice for those who need funds immediately. In addition, Danamas is perfect for those looking for a loan with a shorter and more affordable tenor.
7. Rupiah Fund
Dana Rupiah is an online loan application that is famous for its fast verification. In just 5 minutes, this application can verify your data and disburse funds within 24 hours if approved.
With a maximum interest rate of 36% per year, Dana Rupiah provides flexibility in payments that can be made via bank transfer or m-banking. This application is registered with the OJK and offers loans for various needs, including education, health, or shopping costs.
8. Flash KTA
KTA Kilat offers unsecured loans with a limit of up to IDR 9 million and a flexible tenor, ranging from 91 to 180 days. This application is perfect for those of you who need fast cash with fairly low interest, namely a maximum APR of 19% per year.
The loan application process at KTA Kilat is very easy; you only need to fill out the application form and the funds will be disbursed immediately after approval.
Installment payments can be made through various banks and minimarkets that collaborate with this platform, providing convenience for you in paying off loans.
9. Tokomodal
Tokomodal is an online loan application that provides loans with a fairly high limit, starting from IDR 300 thousand to IDR 200 million. With a flexible tenor between 60 to 360 days, Tokomodal offers a maximum annual interest rate of 10%, which is considered very low.
This application is also registered with the OJK and has ISO 27001: 2013 certification for data and transaction security. Tokomodal also makes it easier to pay off loans with clear late fees, only 0.10% per day.
10. There areWe
AdaKami is an online loan application that allows you to borrow funds without collateral up to IDR 80 million. With flexible tenor options, ranging from 3 to 12 months, AdaKami offers a maximum interest rate of 36% per year.
This application has been registered with the OJK and provides convenience for its users. One of the advantages of using AdaKami is the affordable service fee, only 1.42% of the principal loan.
The loan application process at AdaKami is very easy, and funds can be disbursed in a short time.
With so many Online Loan applications available, it is important to choose one that is safe, reliable, and suits your needs. The applications mentioned above are the best choices that have been registered and supervised by OJK, so you can apply for a loan safely.
From small loans for urgent needs to large loans for other needs, these applications provide a variety of product options with competitive interest rates and fast processes.
Before applying for a loan, be sure to consider the interest, tenor, and terms and conditions that apply so that you can choose a loan application that suits your financial needs.
