Also make sure the platform won’t harm consumers : PolresGowa

Smart in choosing online loans agar Unfooled

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

Of course, not all online loans are of high quality. Some are still new so the quality offered may not be as desirable. If you are scammed and have such a platform, you can be harmed. That’s because, this platform can really harm you.

In order not to be deceived and make wrong choices, a selective nature when choosing it is indispensable. With such selective characteristics, the quality he receives is definitely as desired. In fact, there are some tips that should be considered when choosing it. Always be good at choosing an online loan by paying attention to the following tips.

Choose a highly reliable platform

The first tip when choosing an online loan is to pay attention to its reliability. Benchmarking one’s own reliability is not so complicated. The most important point of this prestige lies in registering with OJK. If a loan is fiduciary, the loan must be registered with OJK. The way to test it yourself is easy.

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

The next requirement for a highly reliable platform is on its website or website. A highly reliable platform must have an official website or an app with an established interface. Don’t choose a loan using a free website. Also don’t choose a loan that offers incentives via WA and SMS.

Its reliability is highly questionable if the official website and app alone are not owned. In addition, pinjol quality websites and apps always provide complete information about pinjol itself. Important information such as interest rate and loan options.  To create such an array is not as easy as it seems.

With it can be ensured that the site is highly reliable. Don’t forget to also pay attention to the call center as a good form of choosing an online loan. A quality platform always provides quality CS to consumers. CS quality is always easy to contact.

In fact, some premium platforms allow their CS for up to 24 hours. This condition will obviously benefit consumers. With CS continuing to operate for a long time, all questions from consumers will be fully answered. The answer from CS is also certainly satisfactory so consumers cannot feel that there is something missing in the answer.

Also make sure the platform won’t harm consumers

In addition to being highly reliable, being good at choosing online loans can also be demonstrated by choosing a platform that does not harm consumers. The first point for this issue is undoubtedly interest. When borrowing a loan, the loan cannot help but come with interest. The flowers must be of 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 the pinjol itself, one of the main difficulties lies in the presence of everyday interest. Haria interest must be paid if the payment is overdue. Day-to-day interest is actually something common.

But on some platforms, often the daily interest is too high. In fact, there are some people who lock in daily interest rates at more than 2%. Now imagine that you borrowed 10 million rupiah at a daily interest rate of 2%. With that, the interest rate per day reaches 200 thousand rupiah.

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

It is the standard fee selected and proposed by the FSA. Therefore, choose a different platform if the daily interest rate alone is more than 1%. Do not forget to pay attention to the lending mechanism of a platform. If the lending mechanism alone is unclear, you may suddenly be charged a large amount of money.

This problem is often encountered when the chosen platform is not transparent in providing loan details. Therefore, always choose an open pinjol in this case. As a general rule, there are 3 main things in the mechanism. Three things include repayment limits, installment simulations, and interest rates.

Some of the best platforms and their contacts

As a form of online loan selection, not all platforms can be chosen. There are several worth choosing because of their advantages. The first choice is MoneyMan. MoneyMan itself actually gives more to college students. This allows students to meet their needs when they are tight.

Most loans are only available to workers. UangTeman’s official office is located in South Jakarta. For more information, CS can be contacted at 021-8062-3000. Next up is Kredivo. This is one of the fastest growing online loans. Its popularity is constantly growing.

When you register for the first time, one can get a limit of up to 30 million rupiah. This number is certainly not a small number. Kredivo itself is available both as an app and as an official website. His own contacts can be contacted on the watch. To contact him, you can call 0807-1573-348.

KTA Instan can also be used as a way to prove whether you are good at choosing online loans. Its popularity is not as high as other names in this review. That’s because, the distinctive feature of instant KTA lies in the borrower’s income limit. When someone wants to borrow there, his income cannot be less than 3 million rupiah.

If the income is less, further processing cannot be carried out. The online KTA itself can be chosen when you often get troubled by some online loans that require borrowers to meet multiple requirements. The process here is quite simple as it will be completed within 1 minute.

Finally, Kredit Pintar could also be an option. The uniqueness of Kredit Pintar lies in its requirement, someone only needs an ID card to be able to disburse money there. When borrowing, someone will be asked to take a selfie with an ID card.

Tips when borrowing to borrow money online

Although the loan is made online, it does not mean that someone can be the original in their payment. Smart attempts to choose an online loan are useless if someone is still not serious about repayment. If you can, always pay before it’s due.

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

Don’t forget to selectively choose the platform. If you choose the wrong choice, some bad possibilities can occur. These dire possibilities include high interest rates, an uncomfortable payment process, and disturbed privacy. Always make sure to be selective, careful and good at choosing online loans.

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