Good to choose online loans agar not deceived
Make sure you are good at choosing online loans when you are in need. This is because the platform itself is very much in Indonesia. Its development has taken place in recent years when this system has begun to be known to the public. The introduction has been accompanied by an increasing number of these enterprises.
Of course, not all online loans have a high quality. Some are still new in age, so the quality provided may not be as desired. If you are deceived and have such a platform, you might be at a disadvantage. This is because, it could be that the platform actually harms you.
In order not to be deceived and make the wrong choice, a selective nature when choosing is essential. With this selective nature, the quality it gets is definitely the desired one. In fact, there are a few tips that should be taken into account when choosing. Always be good at choosing an online loan by paying attention to the following tips.
Choose a platform with great credibility
The first tip when choosing an online loan is to pay attention to its credibility. The reference of one’s own credibility is not so complicated. The most important point of this credibility lies in its registration with the FSA. If a loan is approved, the loan must be registered with the OJK. How to check it yourself is very easy.
There are already many features on the internet to check if the loan is registered with the OJK. Make sure you are good at choosing online loans 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 harm you because the interest is too high and so on.
The requirements for a platform with high credibility can then be found on its website or website. A platform with great credibility certainly has an official website or app with an established appearance. Don’t choose a loan that uses a free website. Also, don’t choose loans that provide offers via WA and SMS.
Its credibility is highly questionable if the official website and app alone are not owned. In addition, the sites and apps of quality borrowers always provide complete information from the pinjol itself. important information such as interest and loan options. Creating such a table is not as easy as it seems.
With it can be verified that the site has great credibility. Remember to pay attention to the call center as a way to be good at choosing loans online. A quality platform always provides quality CS to its consumers. CS quality 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. As CS continues to be active for a long time, every consumer question will be answered completely. CS’s response is also certainly satisfactory, so it’s impossible for consumers to feel that there’s anything less than the answer.
Also, make sure that the platform won’t harm consumers
In addition to having great credibility, being good at choosing online loans can also be proven by choosing a platform that doesn’t harm consumers. The first point in this regard is, of course, interest. When borrowing on a loan, it is impossible that the loan is not accompanied by interest. The flowers should be there in varying quantities.
It is from this interest that the owner of the platform will have an advantage and will be able to maintain his business. In fact, in the loan itself, one of the main difficulties lies in the presence of daily interest. Haria interest must be paid if the payment is overdue. Daily interest is actually something common.
But on some platforms, the daily interest is often too high. In fact, there are some who set a daily interest rate of more than 2%. Now imagine that you borrowed 10 million rupees with a daily interest of 2%. With this, the interest per day reaches 200,000 rupees.
If the payment is one month late, the interest has reached 6 million rupees. this is quite remarkable given that the amount is more than half of the initial loan. As a form of being good at choosing an online loan, make sure you choose a platform with interest not exceeding 1%.
This is the standard fee chosen and suggested by the FSA. Therefore, choose another platform if the daily interest alone is more than 1%. Don’t forget to also pay attention to the lending mechanism of a platform. If the loan mechanism alone is unclear, you could suddenly be charged too much.
This problem is usually encountered when the chosen platform is not transparent in providing loan details. Therefore, always choose a pinjol that is open in this case. As a rule, there are 3 main things in the mechanism. All three things include repayment limits, payment simulations, and interest rates.
Some of the best platforms and their contacts
As a form of being good at choosing online loans, not all platforms can be chosen. There are several that are worth choosing because of the advantages they have. The first choice is MoneyMan. MoneyMan himself is actually more dedicated to students. This allows students to meet their needs when they are on the go.
Most loans are only for workers. The official office of UangTeman itself is in South Jakarta. For more information, the CS can be contacted at 021-8062-3000. The next step is Kredivo. It is one of the fastest growing online loans. Its popularity continues to grow.
When registering for the first time, one can get a limit of up to 30 million rupees. the amount is certainly not a small amount. Kredivo itself is available in the form of an app or an official website. The contact himself can be contacted on time. To contact him, you can call 0807-1573-348.
KTA Instan can also be used as a way to prove that you are good at choosing loans online. Its popularity is not as high as other names in this review. Indeed, the particularity of KTA instant lies in the income limit of its borrowers. When someone wants to borrow there, the person’s income should not be less than 3 million rupees.
If the income is lower, further processing cannot be carried out. KTA Online itself can be chosen when you often feel picky by some online loans that require borrowers to meet many requirements. The process here is quite simple as it will be completed in 1 minute.
Finally, Kredit Pintar can also be an option. The uniqueness of smart credit lies in the requirements, someone only needs an identity card to be able to disburse funds on it. When borrowing, a person will be asked to take a selfie with the identity card.
Tips when borrowing loans online
Even if the loan is done online, it does not mean that someone can be arbitrary in their payment. Trying to choose an online loan will be useless if someone doesn’t stay serious about the payment. If you can, always make a payment before entering the due date.
With it, you will be calmer and reduce the possibility of forgetting to pay. Remember that there is a daily interest that will be charged if you are in arrears. Instead of losing large sums of money because of this, always make sure you pay as quickly as possible.
Remember to choose the platform selectively as well. If you make the wrong choice, bad opportunities can arise. These poor possibilities include high interest rates, impractical billing processes, and compromised privacy. Always make sure you are selective, careful and good in choosing online loans.