8 Official Online Loan Applications Registered with OJK and Disbursed Quickly

Nafa Lightyani

Official OJK Registered Online Loan Application

Rancakmedia.com – For those of you who want to make an online loan but don't know about the official online loan application that has been registered with the OJK, now you can find out in the article that we have provided below.

The online loan system is intended to help customers receive cash loans more simply. This may benefit him when faced with an unexpected crisis. The simplicity of the app and fast payments are two of its many advantages.

What is the Official Online Loan Application

The official online loan application is a platform that allows customers to apply for loans from the company that controls the application. Instead of meeting in person, loan applications can be submitted online using a cell phone.

To be able to apply for a loan, users must meet the terms and conditions determined by the company.

People do not have to wait long to get a loan with such a system as it makes the application procedure simple and fast. Historically, loan application procedures have been long and complicated.

There are many standards that must be met, and the survey will take a long time. However, with this online approach, the loan application procedure can be handled quickly and conveniently. Installing an application from an online loan provider company is all that is required.

Then register yourself by filling in the required details. Once all prerequisites are met, payment can be completed immediately. If you fulfill all the requirements mentioned, the payment procedure takes approximately 1×24 hours.

Characteristics of the Official Online Loan Application

As technology advances, more and more applications are provided to meet all demands. Almost all professions currently use online applications, from purchasing food, learning to banking.

The emergence of online loans makes it easier for consumers to access finance emergency when needed. However, others see online loans as loan sharks using technology. Money loans are in high demand, and this has led to abuse by a number of different groups and individuals.

As a result of this situation, both official and illegal online loans have emerged. Service loans have received permission from the OJK so that their implementation can be guaranteed to be safe and help with community problems.

However, online loans that violate the law tend to be problematic for society because of high interest rates and unpleasant collection procedures.

For this reason, when you want to apply for a loan, you should choose carefully and pay attention to the quality of the official online loan application below. This must be done so that you don't get trapped by online loan sharks.

1. Clear office address

Official online loans must have a clear and physically visible business address. It's important to have this information so you can ensure that the loan company you're considering is actually legitimate.

If you don't have a clear office address, it could be that the company is a fake or illegal loan service provider.

Customers can more easily meet with company representatives to file complaints or use their services if appropriate office equipment is available.

2. Registered with OJK

An essential aspect that shows that an online loan application is official is that the service provider company has a permit and is registered with the OJK.

If a company has an OJK license number, you know it is official and provides reliable services. Online loan companies cannot function without OJK permission. This is a legal requirement.

However, there are companies that operate this service without OJK permission. Make sure you choose an online loan company that is registered with the OJK to make it safer. You can consult the official OJK website to verify the authorization of the online loan company.

3. Have an Official Website

Companies that offer official online loan services must of course have their own official website. This must be done so that consumers have a clear understanding of the company, its offerings, and how things are done around here.

To be taken seriously, an online loan company must have an official website and an official mobile app. The existence of an official website shows the company's legitimacy and its commitment to providing sound financial services to the general public.

You need to verify the company's official website first before requesting a loan so you can know its validity.

4. Transparent Fees and Interest Rates

Official companies that handle online loans will explicitly explain the interest and fees that will be charged to borrowers. This is done so that customers can fully know how much interest must be paid.

With prior knowledge, clients can evaluate whether they want to proceed with the loan procedure or not.

If consumers agree to these terms, they can immediately apply for an online loan and be asked to repay the loan amount.

5. Fast Disbursement Process

Official online loans have completed their applications with advanced technology so they can scan application data quickly. Therefore, the results of the agreement can be communicated quickly.

If authorized, the cash will be immediately sent to the borrower's bank account. Customers can easily and quickly get loans using this technique.

Official online loans usually stipulate various prerequisites for application procedures such as KTP, account number, personal data and so on. Distribution procedures are accelerated if consumers meet the required standards.

6. Has a Mobile Application

Apart from having an official website, official online loans also offer applications that can be used to make it easier for customers to make loans.

The goal is to streamline the application procedure. Through applications, consumers and organizations can develop communications more easily.

Official online loan applications, apart from offering application capabilities, often contain more specific information regarding payment options, how to borrow, interest rates, OJK registration numbers, and so on.

Customers will have a better understanding of how online loan companies operate as a result. Through clear company data, consumers can be more confident and know the exact profile of the lending company.

List of Official Loan Applications Available Online

Currently, official online loan applications are on the rise in Indonesia. Many businesses are vying for your loan by offering a quick search for loans online. It cannot be denied that in the end many people are interested in using it.

Its fast application procedure and urgent need make most people choose it. You can apply for an online loan at any time and from any location just by using your smartphone.

However, people also have to be careful not to make the mistake of choosing an online loan company. Due to the large demand for loans in society, certain parties are forced to take advantage of the situation and lock up the public with exorbitant interest rates.

To be safe, always take a loan from an official company that has been approved by the OJK. Here are some examples.

1. Wise Fund

App Namedanabijak: OJK Online Loans
versi1.1.4
Need Android version4.4 and up
Released dateMarch 30 2020
Updated onNovember 1 2022
DeveloperPT. Digital Micro Indonesia
DownloadClick Disini

Dana Bijak is an example of an online loan with simple requirements and fast repayment times. Online loan services can be accessed using a mobile application. This makes the application procedure quick and easy.

You can borrow up to 3 million with a repayment period of 30 days. You have complete control over the loan amount, and you can customize it to meet your specific needs. You can apply for a loan at any time and from any location using this application.

The loan money will be immediately deposited into your bank account. To be able to apply for a loan, you must meet the following prerequisites.

  1. Minimum age 21 years.
  2. Indonesian citizens.
  3. Save money in your own savings account and books.
  4. Have a current email and phone number.
  5. Make sure you have some sort of identification with you at all times.
  6. Have a minimum income of 1,6 million.

2. JULO

App NameJULO Online Credit & Loans
versi7.10.1
Need Android version5.0 and up
Released dateDecember 8 2016
Updated on1 February 2023
DeveloperPT. JULO Financial Technology
DownloadClick Disini

JULO is another online loan provider with fast turnaround times and a simple search approach for customers. This company has been running since 2016 and has served many consumers.

Carrying out online loan transactions with JULO is guaranteed to be safe because this company has official approval and is closely monitored by the OJK. This may indicate that this online loan is official and operates a suitable system.

JULO provides various loan sizes, ranging from 2-8 million. Up to six months in duration, repayment periods are possible. The interest charged on these loans is relatively modest, namely around 0,1 percent.

It is believed that determining the interest rate will not burden customers and help overcome the challenges they are currently facing. Not only that, JULO will also provide cashback to clients every time they make a payment.

Apart from that, JULO also regularly holds various draws with various tempting prizes. You will be able to take advantage of convenient online loan services while also taking part in potentially profitable activities.

3. My Cash

App NameTunaiku- Fast Online Loans
versi1.101.0
Need Android version5.0 and up
Released dateMarch 1 2017
Updated onMarch 15 2023
DeveloperPT Bank Amar Indonesia Tbk.
DownloadClick Disini

Since 2014, Tunaiku has been an online loan provider. The fact that it is still going strong makes this loan service more attractive and reliable.

All transactions are guaranteed safe because they have a defined system. You can apply for a loan of up to 20 million. The interest charged varies, depending on the duration of the anticipated repayment period.

The repayment period ranges from 5 to 20 months. This online loan service makes it easier for customers to fulfill their needs quickly and effectively.

4. Installments

App NameCICIL Special Installments for Students
versi3.20.9 L
Need Android version5.0 and up
Released date31 Aug 2017
Updated onApr 6 2023
DeveloperPT CICIL SOLUSI MITRA TEKNOLOGI
DownloadClick Disini

Students can now apply for loans using the official Cicil online application, making monthly payments easier. This funding program makes it easy for students to apply for loans.

Generally traditional lending institutions will require a minimum credit history and income to qualify for an application.

Due to the fact that these are not student loans, only limited loan amounts are available. Loans can only be obtained by students who meet the criteria.

Cicil offers simple online loan options, but has strict criteria. To fulfill all consumer requests, Cicil provides the following services.

  1. To help students bridge the gap between their current and future college bills, this online loan service offers flexible repayment plans that include both fixed and variable interest rates.
  2. Product installments, this business provides a bailout method. Where users can get different student needs and pay them back every month over a period of time or paid in one lump sum
  3. Financial institutions, both profit and non-profit, can apply for institutional installment loans in the form of working capital.
  4. Users can get various training vouchers and courses at lower prices by paying in installments.

5. Coinworks

Koinworks, a leading online loan, serves private and commercial borrowers with two different service offerings. You have various choices in choosing a service.

Each service will have different application requirements and maximum loan amounts. This is done so that clients can fulfill their demands as well as possible.

To make it easier to provide services, this company has produced applications that people can install and use simply. This application is one of a kind that allows you to register as both a borrower and a lender.

People can get loans more quickly if it is easier for them to get them. For those of you who are interested in borrowing from Koinworks, pay attention to the following conditions.

Business Category Requirements:

  1. Company owner's ID card
  2. Company TIN
  3. Account movements for the last 3 months
  4. Financial statements

Personal Category Requirements:

  1. ID card
  2. 3 month account mutation.
  3. KK (if married).
  4. NPWP (if the loan application is above 50 million).

6. Indodana

App NameIndodana: PayLater & Loans
versi3.46.6
Need Android version5.0 and up
Released dateJanuary 19, 2018
Updated on15Feb 2023
DeveloperPT Artha Dana Teknologi
DownloadClick Disini

This loan company has been established since 2017 and received official permission from the OJK in 2018. With permission from the OJK, it is clear that this company provides safe and reliable loan facilities.

To speed up the loan application procedure, Indodana created a mobile application that can be accessed via cellphone. With this service, all consumers can access and apply for loans more easily.

Indodana offers various loan amounts, ranging from $500.000 to $8 million. This loan has a repayment period ranging from one month to six months.

Each borrower has complete control over the terms of their loan. In the future, the Indodana system will evaluate and offer data on the results of loan applications submitted through the application.

7. My capital

MSME players can apply for loans using this official application, which connects them with online lenders. This loan is provided to help develop Indonesia's economy and build a more inclusive financial world.

MSMEs that have the ability to develop their business can obtain funding from this company. Loans offered by lenders will be adjusted to the type of company.

Applicants for this loan must already be running a company. The company is offering a loan of $500 million. Before submitting a capital loan application, you must fulfill all the requirements.

The terms given vary widely, up to 12 months. Because the interest rate on the loan is so low, it will have little impact on the borrower's ability to make payments.

MSME players do not need collateral as collateral to be able to qualify for a loan. The application and payment process is fast and simple.

8. Smart Credit

App NameSmart Credit - Online Loans
versi1.9.97
Need Android version5.0 and up
Released date21 September 2017
Updated onMarch 23 2023
DeveloperIndonesian Smart Credit
DownloadClick Disini

This online loan service provider company was founded in 2017. Many investors have donated money to this online loan company to date. This allows this company to issue loans with uncomplicated procedures.

Utilization of cutting-edge technology also facilitates the payment process. This company develops mobile phone applications. People will find it easier to apply for loans this way.

An interest rate of 80% is offered for a loan of $600.000 with a maximum repayment period of 28 days by this company.

Apart from that, there are additional loan funds of up to 2,3 million with a repayment term of 3 months. You can determine the dollar amount you want to borrow and how long the repayment period will be.

If the prerequisites have been met, the application takes 1×24 hours to produce results. If authorized, cash will be paid directly to the borrower.

The fast and online way to get a loan is through the official government application. The defrosting procedure is very fast, so you can use it straight away. Make sure that when you first choose an online loan, you have assessed it so you don't make the wrong choice.

Conclusion

The official online loan application is a platform that allows customers to apply for loans from the company that controls the application. Instead of meeting in person, loan applications can be submitted online using a cell phone.

That's the information about 8 online loan applications officially registered with the OJK and disbursed quickly, 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.