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In this fast-paced and digital era, finding the best money loan in Indonesia is not difficult. Because, you can find some recommendations on the internet, such as Modalku, KoinWorks and so on.
If you type “Best money loans in Indonesia” in the Google search field, you will definitely find many online loan recommendations, as well as the best bank loan products, from the search results.
But keep in mind, if online loans are types of loans that come from fintech. So, different sources of funds are different from loans from banks.
Even so, both of them can still disburse the required amount of funds, to meet various needs, be it daily needs as well as educational needs, marriages and so on.
It’s just that, if you need fast funds, then an online loan is the right choice.
But before that, make sure first that the online loan will be used is the best online loan, by knowing some of the characteristics that will be reviewed in full in the following discussion.
The characteristics of the best online loans
As mentioned earlier, when you are in need of a fast money loan, an online loan is the right choice.
Even so, still applying for a loan of funds should not be arbitrary. You need to make sure that the fintech online loan provider that will be used is trusted.
So, how do you find out? Very easy. Just know well some of the characteristics of the following best online loans.
Transparent to fees and interest rates Clear company address Has an official website that can be accessed Has a mobile application that can be used to make it easier for customers Has an instant approval process Fast fund disbursement process Has an easy payment system There is a penalty fee for early repayment Already registered and under the supervision of the Financial Services Authority (OJK) ).
10 Best Money Loans in Indonesia
After knowing the characteristics of online loans, now is the time for you to find out the list of the best money loans in Indonesia.
Which, the best money loans in Indonesia are actually not only sourced from fintech (online loans), but also from banks.
Therefore, it is not surprising that the list of the best money loans in Indonesia is very large.
If you want to know some of them, on this occasion CekAja.com will provide the 10 best money loans in Indonesia, which will be reviewed in full based on the category of source of funds as follows.
Money Loans from Fintech
The first category that will be reviewed is the category of money loans from fintech. Where, this one money loan, has a source of funds from financial technology companies, or better known as online loans.
This money loan from fintech, usually can only be submitted through a special application the fintech, as well as the official website.
Submission of money from fintech itself, is known to be very easy and fast. If you are interested and want to know more about what are the best money loans in Indonesia, whose sources of funds come from fintech, let’s look at the following review!
1. My Modal
The first best money loan in Indonesia, namely Modalku. Actually, this loan is for small and medium scale entrepreneurs.
However, this loan can also be applied for by anyone who needs emergency funds, especially in large amounts.
Because, Modalku offers loan limits ranging from Rp. 50 million – Rp. 2 billion, with a tenor of 3 – 24 months.
With the nominal limit given is very large, only those who can apply for this loan are aged at least 21-60 years, and have a business that has been running for at least one year in the form of PT, CV or individuals.
2. Smart Credit
Besides Modalku, there is also Smart Credit which is included in the list of 10 loans best in Indonesia.
This is because, this loan is able to disburse loan funds in just 24 hours. Not only that, Smart Credit also offers a loan limit of up to Rp. 2 million, with a maximum tenor of three months.
With this loan amount, Smart Credit can be the best solution, for those of you who need fresh funds in a fast time.
But unfortunately, by applying for a loan here, you will be charged a service fee of 10-15 percent, of the total approved loan.
3. KoinWorks
Next is KoinWorks, which is also part of the list of the 10 best money loans in Indonesia.
Offering a fairly large loan limit, starting from Rp. 10 million – Rp. 2 billion, KoinWorks offsets the size of the loan limit with a tenor of 24 months.
In addition, KoinWorks also continues to provide interest rates and a number of fees that must be paid.
For its own interest rate, KoinWorks provides a fixed interest rate of 0.75 – 1.67 percent per year For fees that must be paid for themselves, this loan provides a life insurance fee of 0.24 percent, an administrative fee of IDR 100,000, and credit approval fees ranging from 2-4 percent.
4. Good Funds
Have any of you heard of Dana Bagus loan? If not, let’s get acquainted first!
Dana Bagus is one of the ten best money loans in Indonesia that can be chosen, especially for students.
The reason is, this loan offers a loan ceiling starting from Rp. 100 thousand – Rp. 10 million. The amount of this loan ceiling, of course, is balanced with the installment tenor of up to two years.
To be able to get a Dana Bagus loan, you must first be registered as a student who has a Student Identification Number (NIM).
Then, you must also be registered as an active student, who is already a partner of Dana Bagus.
If these things have been met, then you can immediately apply for a loan, with the appropriate nominal FundWise
5. DanaBijak
The next type of online loan, which is included in the 10 best money loans in Indonesia, is DanaBijak.
Offering a loan process that can be done anytime and anywhere within 24 hours, DanaBijak promises a fast disbursement process, and without any collateral.
This loan, which has an application under the auspices of PT Digital Micro Indonesia, offers a loan limit of up to IDR 3 million, with a tenor of 30 days.
However, the loan ceiling can get bigger, if you often apply for a loan at DanaBijak, either through the application or the official website.
Money Loans from Banks
If you have known five of the 10 best money loans in Indonesia in the previous fintech category, then now you will know five advanced lists of money loans from banks.
Actually, there are many types of bank loans. But what is better known, namely Unsecured Loans (KTA).
Because, the system and conditions for applying for this loan are not far away with online loans, which do not require any collateral.
In addition, loan funds that are successfully disbursed can also be used for various purposes, ranging from daily needs, to the need for education, marriage, business or home renovation.
If you want to know more clearly what is the list of the best money loans in Indonesia, whose sources of funds come from banks, let’s look at the following review!
6. KTA Panin
Entered into the 10 best money loans in Indonesia, KTA Panin or known as Kredit Express, offers a fairly large loan ceiling, starting from Rp. 3 million – Rp. 500 million.
Therefore, it is not surprising that this one money loan has many enthusiasts. Moreover, the interest rate offered is also light, which is only around 0.88 – 1.29 percent flat per month.
So, if you are interested in the KTA Panin Kredit Express, you can directly apply for it at the nearest Panin Bank branch office, or through comparison sites such as KTA Xtra Dana CIMB Niaga
7. KTA Xtra Dana CIMB Niaga
Who would have thought, if it turns out that CIMB Niaga’s KTA Xtra Dana will be included in the 10 best money loans in Indonesia according to CekAja.com’s version.
Present as the best solution for those who need emergency funds, KTA Xtra Dana CIMB Niaga provides a series of simple submission requirements, including:
Indonesian citizen, at least 21 – 55 years old. Attach the required documents.
Only with these conditions, you can apply for a loan and get some fresh funds, which can be used to meet various needs, such as education costs, weddings, home renovations, or business capital.
8. Independent KSM
In fact, KSM Mandiri is also part of the 10 best money loans in Indonesia. That’s because, this Micro Versatile Loan offers low interest rates.
To be precise, starting from 0.55 percent per month. Which, this interest rate is flat, so it will not increase every month.
In addition, KSM Mandiri also Loan limits start from IDR 5 million – IDR 1 billion, with a tenor of 15 years.
9. BCA Personal Loan
Bank BCA does not want to lose to other banks, because it has a BCA Personal Loan loan product.
This loan product, interestingly, is one of the 10 best money loans in Indonesia. Because, this loan can be applied without requiring any collateral, with a nominal value of up to Rp. 100 million.
And later on, this loan can be repaid with flexible terms, starting from 1, 2, up to 3 years.
Not only that, the interest rate given by this loan is also light, which is only around Rp. 1 percent per month.
10. HSBC Credit Card
The last best money loan in Indonesia, namely KTA HSBC. Offering competitive interest ranging from 1.20 – 1.30 percent per month, or a maximum of 15.6 per year, this loan provides a ceiling starting from Rp. 5 million – Rp. 125 million.
For the repayment period, HSBC KTA allows its users to choose the repayment time according to their ability ie starting from 24-36 months.
If you apply for a loan at an HSBC KTA, you are guaranteed to get a number of benefits, one of which is a fast disbursement process, about 5-10 days and will be transferred directly to your savings account.
Those are the 10 best money loans in Indonesia, which you already know in full in the previous discussion.
Of all the types of loans, you can choose the one that best suits your needs and financial capabilities.
If you have found the best one, then you can apply for it online at the loan application, the official website, or through comparison sites like CekAja.com.
Because at CekAja.com, you can apply for a loan, with a nominal amount according to your needs and financial ability.
Not only that, the application process is also very easy, fast and safe, because CekAja.com has been registered with the Financial Services Authority (OJK).