Clever To Choose Online Loans agar Not Fooled
Clever To Choose Online Loans agar Not Fooled

Clever To Choose Online Loans agar Not Fooled


Be sure to be good at choosing an online loan when you need it. That’s because, the platform itself is very much in Indonesia. Its development occurred in recent years where this system began to be known to the public. The introduction was accompanied by an increasing number of such companies.

Of course, not all online loans are of high quality. Some are still new in age so the quality provided may not be as desired. If you get fooled and have such a platform, you could be at a disadvantage. That’s because, it could be that the platform even harms you.

In order not to be deceived and miscast, selective nature when choosing it is indispensable. With this selective nature, the quality he gets must be as desired. Actually, there are some tips that need to be considered when choosing it. Always be good at choosing an online loan by paying attention to the following tips.

Choose a Platform with High Credibility

The first tip when choosing an online loan is to pay attention to its credibility. The benchmark of one’s own credibility is not so complicated. The most important point of this credibility lies in its registration with OJK. If a pinjol is trusted, the pinjol must be registered with the OJK. The way to check it yourself is very easy.

There are already many features on the internet to check if pinjol is registered with OJK. Be sure to be good at choosing an online loan by paying attention to this point. If a platform is not registered with OJK, it means that the platform is illegal. Illegal platforms can harm you because of too high interest and the like.

The requirement for a platform with high credibility next lies in the site or website. A platform with high credibility definitely has an official website or application with an established look. Do not choose a pinjol that uses a free website. Do not also choose pinjols that provide offers via WA and SMS.

Its credibility is highly questionable if the official website and application alone are not owned. In addition, sites and applications of quality pinjol always provide complete information from pinjol itself. important information such as interest and loan options.  To make such an arrangement is not as easy as it seems.

With it can be ascertained that the site has high credibility. Do not forget also to pay attention to the call center as a form of good at choosing online loans. A quality platform always provides quality CS for its consumers. Quality CS is always easy when contacted.

In fact, some high-end platforms enable their CS for up to 24 hours. This condition will obviously benefit the consumer. With CS continuing to be active for a long time, every question from consumers will be answered entirely. The answer from CS is also certainly satisfactory so it is impossible for consumers to feel that there is less than the answer.

Also Make Sure The Platform Will Not Harm Consumers

In addition to having high credibility, good at choosing online loans can also be proven by choosing a platform that does not harm consumers. The first point for this matter is certainly flowers. When borrowing on a pinjol, it is impossible for the loan not to be accompanied by interest. The flowers must be in different quantities.

It is from this interest that the owner of the platform will have an advantage and be able to maintain his business. Actually in pinjol itself, one of the main difficulties lies in the presence of daily flowers. Haria interest must be paid when the payment has passed maturity. Daily flowers are actually something common.

But on some platforms, often the daily interest is too high. In fact, there are some who set daily interest of more than 2%. Now imagine you borrow 10 million rupiah with a daily interest of 2%. With that, the interest per day reaches 200 thousand rupiah.

If the payment is one month late, then the interest has reached 6 million rupiah. This is quite remarkable considering that the amount is more than half the initial loan. As a clever form of choosing an online loan, make sure to choose a platform with an interest rate of no more than 1%.

That is the standard fee selected and recommended by OJK. Therefore, choose another platform if the daily interest alone is more than 1%. Do not forget to also pay attention to the loan mechanism of a platform. If the loan mechanism alone is not clear, you may suddenly be charged in too large an amount.

This problem is usually experienced when the selected platform is not transparent in providing loan details. Therefore, always choose an open pinjol in this case. As a benchmark, there are 3 main things in the mechanism. The three things include repayment limits, simulations of installments, and interest rates.

Some of the Best Platforms and Their Contacts

As a clever form of choosing online loans, not all platforms can be selected. There are some that deserve to be chosen because of the advantages they have. The first option is MoneyTeman. MoneyTeman itself is actually more devoted to students. This allows students to meet their needs when they are mepet.

Most of the pinjol is only intended for workers. The official office of UangTeman itself is in South Jakarta. For more information, the CS can be contacted at 021-8062-3000. Next up is Kredivo. This is one of the fastest growing online loans. Its popularity continues to rise.

When you first register, you can get a limit of up to 30 million rupiah. This number is certainly not a small amount. Kredivo itself is already available either in the form of an application or an official website. The contact itself can be contacted at the hour. To call him, you can call 0807-1573-348.

Instant KTA can also be used as a way to prove good at choosing online loans. Its popularity is not as high as other names in this review. That’s because, the special characteristic of instant KTA lies in the income limit of its borrowers. When a person wants to borrow there, the person’s income should not be less than 3 million rupiah.

If the income is less, further processes cannot be carried out. Online KTA itself can be chosen when you often feel complicated by some online loans that require borrowers to meet many requirements. The process here is fairly simple because it will be completed in 1 minute.

Finally, Smart Credit can also be an option. The uniqueness of smart credit lies in its requirements, one only needs an ID card to be able to disburse funds there. When borrowing, someone will be asked to take a selfie with the ID card.

Tips When Borrowing to An Online Loan

Although the loan is done online, it does not mean that someone can origin in the payment. Good efforts to choose an online loan will be useless if someone remains not serious in payment. If you can, always make a payment before entry is due.

With it, you will become calmer and minimize the possibility of forgetting to pay. Remember, there is a daily interest that will be charged if you pay late. Instead of losing large amounts of money because of it, always be sure to pay as quickly as possible.

Do not forget to also selectively choose a platform. If you choose wrong, some bad possibilities can occur. Such bad possibilities such as high interest, uncomfortable billing process, to disturbed privacy. Always make sure to be selective, careful, and good at choosing online loans.

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