11 List of Low Interest Online Loans 2022 and How to Register

Currently, the trend of using online loan services is quite popular in the community, especially when you are in need of fast funds for urgent needs. There are various kinds of loan services available to the community.
Before deciding to apply for an online loan or use a loan service, it’s a good idea to make sure first if you choose an online loan service that is legal and supervised by the government.

What is an Online Loan?

Online loans are services for borrowing money that can be submitted by the public through an online platform using an application. This makes it easier for people to apply for loans without having to meet directly with fund providers.
In Indonesia, there are many loan services provided to meet the needs of the community. It’s just that, you need to pay attention first whether the loan service you want to use is already a legal loan service.

11 List of Low Interest Online Loans

Online loan services in Indonesia are very easy and has different advantages on each platform. Before applying for a loan, of course you will also pay attention to the amount of interest you have to pay in addition to the principal amount you deposited.
Well, here are 11 lists of low-interest online loans that you can consider before borrowing money and how to register on each loan platform.

1. Julo

Julo provides services to borrow money without collateral with a tenor of 3 days to 6 months. The loan amount offered starts from IDR 1,000,000 to IDR 8,000,000.
Julo’s loan interest is 0.53% per day. You just need to prepare an ID card and proof if you already have an income.
How to register:
Create a Julo account by downloading from the Google Play Store or Apple Store.
Press the ‘Register’ button. Complete the registration form by entering your ID card number, pin, personal data, and photo documents.
Wait for the account to be verified and you can start applying for a loan.

2. Finplus

Finplus is also one of the online loans that has an interest rate of 0.40% – 0.58% per day with a large ceiling ranging from Rp. 600,000 to Rp. 2,000,000.
To apply for a loan at Finplus, you need to prepare an ID card and have a stable income. How to register:
Download the Finplus application on the Google Play Store or Apple Store.
Complete your personal data and choose a loan as needed.
Wait for the funds to be disbursed within 1 x 24 hours.

3. Light

The next pinjol application is Lightweight. This application has interest rates starting from 0.05% per day with a ceiling of up to Rp. 20,000,000.
To apply, you need to have an ID card and live in the Greater Jakarta area, Bandung, Serang, Cilegon, Kab. Karawang, Semarang, Gresik, Sidoarjo, Yogyakarta, Surabaya, Medan, Pekanbaru, Denpasar, or Makassar.
In addition, you also need to have a minimum income of IDR 3,000,000 to be able to apply for a loan. How to register:
Download the Light app and phone number, password, and SMS OTP code.
Complete the form and wait for the account to be verified.
Apply for a loan according to the needs you need.

4. my cash

The next loan is my cash which has interest ranging from 3% – 4% per month with a loan limit of IDR 2,000,000 to IDR 20,000,000. To apply, you must be over 21 years old, have an ID card, have a bank account, and have an income.
How to register:
Open the Tunaiku site and enter your phone number and active NIK to register.
Choose the loan you need and wait 1 x 24 hours to see the status of your loan application.
Wait for the Cashier Courier to come home to verify. If so, confirm the identity of the KTP and sign the contract.
Wait for the disbursement of funds within 1-3 days.

5. Digibank KTA Instant

In addition to services from fintech, there are also loan services from banks such as Digibank KTA instant which has an interest rate of 0.95% – 2.99% per month. How to register:
Complete the application form the telemarketing party will contact you and verify. If so, just wait for the loan to be approved and the bank will send the funds to your account.6. Cash Us
You can also use Tunai Kita for online loans with an interest rate of 0.95% per day. This service is limited to those of you who live in Jabodetabek.
How to register:
Download the Tunai Kita application.
Fill in the registration form.
Wait for the verification process and select the ceiling you need.
Wait for the funds to be sent to your account.

7. Rupiah Funds

Furthermore, there is an online loan service from the Rupiah Fund with an interest of 1% per day provided that you only need to apply for an ID card and you have income.
How to register:
Download the application via the Google Play Store or Apple Store.
Log in with your phone number and complete your personal data.
Select the loan amount and wait for the loan application process to be approved.
Wait for the funds to be sent to your account.

8. Flexi Cash

From digital bank services, there is Jenius Flexi Cash that you can use with an interest rate of 1.75% – 2.25% per month. At Jenius Flexi Cash there is no administration fee, it can be withdrawn at any time, you can pay the loan interest up front.
How to register is as follows:
Download the Jenius application and register.
Select the ‘Flexi Cash’ menu and complete the data.
Wait for the application to be received and the funds will be sent to your account.

9. FinMas

Another loan to get cash is FinMas. FinMas has an interest rate of 0.31% per day. Here’s
how to register at FinMas:
First, you need to download the FinMas application and register by entering your phone number.
Complete your personal data, namely your job, account number, and verify your ID card.
Select the loan amount you need and wait for the loan approval that you have submitted.

10. Indo Dana

Indo Dana has interest rates between 0.53% – 0.75% per day.
The requirements for submission are:
Download Indo Dana from the Google Play Store or Apple Store.
Complete the registration form.
Connect Indo Dana with your mobile banking or BPJS application.
Choose the loan limit amount and wait for Indo Dana to approve your loan.

11. Danafix

Finally, an online loan with a low interest rate is Danafix. Danafix gives you the opportunity to get funds quickly. The interest rate is also competitive, which is around 0.5% per day. Danafix has several advantages such as being safe, loans can reach 10 million (for existing customers), there is a payment simulation, and it is clearly supervised by the OJK. The submission requirements are also quite easy,
here’s an easy way to register:
Download the Danafix application from the Google Play Store.
Do a loan simulation, to calculate the credit ceiling and monthly installments.
Fill in personal data, address and others.
Selfie and ID card. Verify for activation, then submit your loan.

Borrow Low Interest To Help You

If you are in an urgent situation and need money quickly, online loans can be your solution to get funds. Of course, before submitting, make sure you choose an online loan with a low interest rate so that when you make a return you do not bear a large amount of interest