How to Apply for a Loan at Kredit Pintar Online

Nafa Lightyani

How to Apply for a Loan at Kredit Pintar Online

Rancakmedia.com – How do I apply for a loan at Kredit Pintar? A safe place to borrow money, fast procedures without collateral is an online loan application. Recent developments have made it easier to find fintech P2P lending applications, one of which is the Kredit Pintar online loan.

Applying for a cash loan via Android application-based banking services has become a trend in recent years.

Online loan applications not only provide convenience, but also guarantee security. One application that is very popular with the Indonesian people is the Kredit Pintar online loan.

Smart Credit is always ready to help with problems finance You. Because the Smart Credit application is dedicated to continuing to help Indonesian people everywhere, to remote areas of the country.

Advantages of Applying for a Loan at Kredit Pintar

What is Smart Credit

The Smart Credit application is an online loan application that has low interest, this application is managed by PT Kredit Indonesia.

Kredit Pintar provides cash loans without collateral with a limit of Rp. 20.000.000 for a maximum of 360 days.

What's even more interesting is that the Smart Credit annual interest rate is very low, namely no more than 11%. The process of paying money loans is very easy to do via ATM transfer, M-Banking and minimarkets.

Smart Credit is suitable for you to use as a solution when you need a loan without collateral during an emergency situation.

The disbursement process to your account is quite fast, in just 5 minutes you can get the loan.

Advantages of Applying for a Loan at Kredit Pintar

Below are the advantages of applying for a loan at Kredit Pintar, as follows:

1. Top application in Indonesia

On Google Playstore, the Smart Credit application rating reaches 4,8, which is the highest score among other online loan applications. In fact, the Kredit Pintar online loan application has been downloaded by 12,4 million customers spread throughout Indonesia.

2. Fast Delivery

Just take 5 minutes to register and fill in your personal data, the system will immediately carry out double verification for your protection.

3. Minimal interest and service fees

Admin fees are only 5-15 percent without additional fees, with cheap interest rates starting from 0,19 percent every day.

4. Loan limit up to Rp. 20.000.000

Increase your smart score, to receive tempting offers. Such as cashback coupons, loan limits of up to 20 million rupiah and other unique rewards.

5. No guarantee

Applying for an online loan at Kredit Pintar does not involve any collateral

6. Face detection function can be accessed

The newest feature provided by Kredit Pintar is the facial recognition function which can be used when the cellphone number is dead or login fails. With this function, you can stay logged in to the application.

6. Officially registered with OJK

The smart credit application has been officially registered with the Financial Services Authority. Kredit Pintar will not misuse or disclose your personal information to third parties without your consent and knowledge.

Online Loan Application Requirements

Online Loan Application Requirements

Here are the criteria that must be met before applying for a smart online credit loan, including:

  • Indonesian citizen \s18-55 years old.
  • Have an original electronic KTP. So that your loan application is not rejected, make sure the image ID is not blurred.
  • Have a bank account number with a name that matches your KTP. The following is a list of banks that meet the requirements, including BCA, BNI, BRI, Bank Mandiri, Bank Permata, CIMB NIaga, Bank DKI, Bank Danamon, Bukopin, Maybank, KEB Hana and BTN.
  • Domiciled in Indonesia

How to Apply for a Loan at Kredit Pintar

Following rancakmedia.com We have summarized the ways you can apply for a loan at Kredit Pintar, including:

  1. Smart credit is a digital application that is carried out 100 percent online. You can only apply for a loan through the application. Here's how:
  2. You have to download the application first via the Google Play Store.
  3. Make sure your cellphone has enough memory to install this application.
  4. After downloading and installing the application on your smartphone, provide an active telephone number.
  5. You will receive an OTP number sent by the system via short message. Remember, do not reveal important information to others.
  6. After successful check-in, you will be offered a loan limit offer, such as:
    – 900.000 with a tenor of 28 days
    – 1.200.000 with a tenor of 28 days
    – 1.800.000 with a tenor of 28 days
    – 2.600.000 with a tenor of 3 months
  7. Select the loan limit, then click "apply"
  8. Continue by selecting the "agree and apply now" menu
  9. Upload a clean photo of your KTP, then continue with a selfie photo with your KTP
  10. Fill in some of the required details, such as name, KTP NIK, NPWP and emergency contact number. Emergency contacts will be used as a reference by the system when a default occurs and you continue to be in arrears. Don't worry, debt collection will continue according to the process set by the OJK.
  11. Continue by filling in the savings account data
    Tap “send” to end the sending procedure. Wait a few moments, the system will check and test eligibility within a maximum of 1×24 hours. If the application is accepted, the cash will be immediately transferred to the account. However, if your application is rejected, you can resubmit it some time later.

How to Apply for a Loan at Kredit Pintar

How to Make Bill Payments

Loan bill payments can be made 24 hours after the due date via ATM transfer, m-Banking, Alfa Group and online banking.

All information related to the due date or virtual payment account number can be seen in the “billing” option of the Smart Credit application. Make sure you enter "login" into the application using the cellphone number that was registered the first time.

Smart credit will confirm via text message that the bill has been paid. You can also check via the smart credit application and see it directly in the inbox menu.

Once paid in full, you can apply for another online loan. If you have made a payment but the system has not changed the loan status, then you can complain about the problem via email at cs@kreditpintar com. Include information on payments that have been made along with proof.

FAQ

1. Is the Smart Credit Online Loan Application Safe?

Yes, the Smart Credit Application is online loan application which is safe and official OJK.

2. How long does the loan application process take at Kredit Pintar?

The verification process takes 3 x 24 hours from the time the application is created. Kredit Pintar will notify you once your application is approved.

3. How much is the fine for late payment of a loan at Kredit Pintar?

This means that the maximum fine for late credit is 100% of the total loan amount. So if your loan is Rp. 600.000 and you are 3 months late or even more, then the maximum fine you have to pay is IDR 600.000, no more.

4. What is the loan interest rate at Kredit Pintar?

Loan amount: up to IDR 20.000.000,00. Loan term: 91 to 360 days. Maximum annual interest rate: 11%. Management fee 5%-15% (depending on loan amount and duration), with no additional fees.

Conclusion

The Smart Credit application is an online loan application that has low interest, this application is managed by PT Kredit Indonesia.

That's the information about how to apply for a loan at Kredit Pintar online, hopefully the article above can be useful and helpful for all of you.

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Nafa Lightyani

I am a content writer for SEO, Technology, Finance, Travel, Cooking Recipes and others. I hope this can be useful for all my friends.