In modern times like today, almost everything can be done online, one of which is on the rise is an online loan fund. Yes, there are a lot of Fintect currently emerging that offer money loans to you. And amazingly, the loan provided was unsecured.
Unsecured, seriously? Yes seriously, and this is hard to say if fraud, why? Because it is overseen by OJK (Financial Services Authority). Indeed, it is not all overseen by the OJK, therefore I suggest choosing an online loan facility that has been overseen by OJK to minimize online fraud.
This online loan is suitable for those of you who need fast funds but the amount is not too large, around 2-20 million. Instead of complicated hours at the Bank, it would be more practical to use online money loan services.
Well, are you in need of a money loan to use immediately? I have a number of recommendations. The following is an online loan guarantee project that you can choose, oh yeah this fintect uses an application, you can install it on the PlayStore:
Unsecured Online Fund Loan Application
1. THK Credit
THK Credit is a product that has been registered and supervised by OJK, the THK Credit application in PlayStore has been installed more than 5 million, with a 4.5 star rating. Fintect offers online money loans of Rp. 500,000 with a tenor of 14 days, Rp. 1,000,000 with a 28 day tenor, and Rp. 2,000,000 with a 3-month tenor. For repayment itself can be done in several ways, namely via ATM transfer, M-Banking, and BluePay in all TG Groups.
The main requirement for using this service is that you must be at least 21 years old and have an original KTP and some other data such as a bank account and salary slip. THK Credit claims that the loan application process is less than 24 hours, so it’s fast enough.
Tips for getting your application accepted by THK Credit, make sure when your selfie is in a bright place so the shots are not dark and clearly visible, make sure the photo is not blurry and not covered with fingers until there is information that is not visible.
Do you need fast loans of more than 10 million? Then the answer is to use CashKita. TunaiKita offers loans ranging from 1 million to a maximum of 20 million hear tenors ranging from 91 days to 180 days. The repayment can be done via ATM, internet and mobile banking, and virtual accounts Mandiri, BNI, BCA, and Indomaret.
For the terms of the submission itself, covering a minimum of 21 years and a maximum of 60 years, Indonesian citizens, have a KTP and NPWP, and have a local bank account. For the range of its own services covering Jabodetabek, Bandung, Surabaya, Semarang, Kudus, Yogyakarta, Surakarta, Magelang, Denpasar, Malang, Kediri, Jember, Gresik, Banyuwangi, Medan, Batam, Pekanbaru, Palembang, Padang, Makassar, Manado, Pontianak, and banjarmasin. It has not yet reached all regions, but CashWe claim to be coming soon in other cities in the near future.
Some advantages of Cash Cash, loans up to 20 million, a period of up to 6 months, service fees that are not burdensome because of transparency, a quick process of just hours, 7 days customer service, and easy disbursement and repayment.
3. MY Cash
Apart from TunaiKita, to make a fast loan up to 20 million you can also use my Cash services. CKL Credit is one of the superior products from PT. Bank Amar Indonesia which has been established since 1991 ago, and launched this CKL Credit product in 2014. TunaiKu offers online loan funds ranging from 2 million to 20 million with a tenor of 6 to 20 months. For the terms of submission, a minimum of 21 years, an Indonesian citizen, has a bank account, and is a permanent employee or contract.
For services not including all cities, new Jakarta, Bogor, Depok, Tangerang, South Tangerang, Bekasi, Surabaya, Sidoarjo, Gresik, Semarang, Yogyakarta, Palembang, Medan, Pekanbaru, Denpasar, and Makassar.
The advantages of CKL Credit besides being unsecured and safe because they are registered and supervised by the OJK are large loan limits of up to 20 million with a long tenor of at least 6 months and a maximum of 20 months, and honest fees due to low interest rates and no hidden fees. Some of the costs that you need to pay attention to are 1. Administration fees Rp. 540,000, 2. Early repayment fees of Rp. 0, 3. Late fee of Rp. 100,000, and 4. Late interest of 0.16% per day.
4. Fast Rupiah
Furthermore, the online money loan application that you can use is Rupiah Fast, this is a product from KJ Finance. Rupiah Fast offers loans starting from Rp. 600,000 to Rp. 5,000,000 with a minimum tenor of 91 days and a maximum of 365 days, the maximum interest rate is 24% per year. Similar to other applications above, repayment of loans can be done in several ways, ranging from ATM, internet and mobile banking, and through TG Group.
For the time of submission itself, the Fast Rupiah is quite fast, which can be only 20 minutes after the submission is sent. In addition, Rupiah Fast will provide exclusive offers exclusively for loyal customers, which can borrow more funds and immediately liquidate in just a few minutes.
uMoney offers loans starting from Rp. 400,000 to Rp. 4,000,000 with tenors ranging from 91 days to 120 days. Daily interest costs are 0.06%, daily service fees are 0.27%, and annual interest is 29.7% -39.6%. Repayment of payments can be made through ATM, internet and mobile banking, as well as through TGmart and Indomaret.
Some requirements for applying for a loan include Indonesian citizens aged 21 years old, having a KTP or passport, having an Indonesian telephone number, having a local bank account, and having work or business documents. uMoney parties claim the disbursement process is 3 minutes at the fastest, if this is true it will become one of the fastest processes compared to other online loan applications.
PinjamGo is a product owned by Sinarmas Group, together with the above application, of course, it has been registered and supervised by the OJK. PinjamGo offers loans of up to Rp. 2,000,000 with various tenor options with an interest rate of up to 15% per year. For payment of repayment itself, only now can it be via ATM transfer.
Requirements for submitting online funds include Indonesian citizens aged at least 18 years and a maximum of 55 years, having a KTP, having a local bank account, having a fixed and active mobile number, and stable income.
How to Apply for Online Credit
- Download and install the loan application online at PlayStore
- Fill in the data and complete the document, prepare KTP, salary slip, and bank account.
- Wait for the verification process
- The loan will be transferred to your account immediately.
Tips For Loans To Be Approved
- When filling in the data, make sure the full name entered is in accordance with the required documents.
- Make sure the document is clear and legible.
- When face verification is needed, make sure you are in a place with good lighting.