Digitalization has become a great influence in our daily lives. Online systems have become our daily food for now. Starting from buying a product, to doing a health check. Various life needs can be adjusted to this online system. Plus if there is an urgent need that must be met immediately.
 
Surely we will find it too complicated to have to go here and there to find a solution to these urgent needs. Not to mention those who have many requirements in every need. For this reason, the existence of this digitalization era will greatly help us in meeting these urgent needs. One of them is online fund loans which are a practical solution to help people's finances.
In addition, this online loan will offer a variety of features that can be done on one platform. Plus, easy terms as well as no complicated document requirements. For this reason, many people choose to take online loans rather than having to take offline loans which have many requirements. However, there are also not a few people who make illegal online loans.
 
With this in mind, it is necessary to know which online loans can help you legally and can benefit both parties. You can look for online loans from the trusted platforms below, especially those that can be disbursed with an ID card guarantee.

Flexicash Jenius Online Credit

So far, Jenius is better known as a mobile banking application with savings, deposits, and banking transaction features. Flexicash is one of the features of a Bank BTPN mobile banking application. This application offers credit limit flexibility with easy payment methods and can be withdrawn at any time according to your needs.

Advantages of Flexicash Jenius

The innovative features that you can use if you use an online fund loan application with an ID card guarantee are: Cashtag which is a feature that replaces your account number into an account name. That way you don't have to memorize long numbers from your own account. Split Bill, which works to be able to share your bills with friends or family. That way the bills can be divided fairly without any fraud. Card Center, which is an arrangement of all debit cards in one place, including transaction limits and daily cash withdrawals. Or you can also block the card temporarily or permanently block your card. You can also unblock that card again if it's not permanently blocked. For the conditions, this application will provide you with a loan within 24 hours after the application for funds is requested and the terms have been approved. The requirements for this loan are quite simple, which only requires an ID card guarantee and is 21 years old and above.

Akulaku Asetku Bailout Fund

Akulaku is also one of the online application-based legal services that has grown in the Southeast Asian market. Akulaku provides financial services that are managed flexibly in providing loans that can be in the form of cash or credit in kind.

Advantages of Akulaku

Because Akulaku is an application that initially sells an item and then adds a credit feature, so you can also make credits from items that are being sold in the Akulaku application. Such as electronic goods, daily necessities, and other things without using a credit card with a period of 1 to 9 months. In the feature, you can also borrow money up to IDR 15,000,000 with a 15-month repayment period. Meanwhile, Akulaku cash loans themselves have types of Installment Fund and KTA Asetku products. Both loans with ID card guarantee will provide cash to your account directly and can be disbursed in a short time.

Danafix

Fintech DanaFix is also an online fund loan with an ID card guarantee that has been registered with the OJK.

Advantages Danafix

Pinjol DanaFix offers online credit with a low limit. In the first loan, the available limit starts from 500 thousand to 2.5 million. In the second loan and so on, there is a limit of 500 thousand to 10 million. The tenor given by DanaFix is 3 to 6 months. The requirements for applying for DanaFix are relatively light, namely, having an ID card, being at least 18 years old, and living and working in Indonesia. In addition to the options above, there are still many more Indonesian fund lending applications that can be your choice. For that, you can look for other information so that you can determine the loan according to the needs you will use.

PinjamanGO Fintech Cash

PinjamanGO is an online loan that also only uses an ID card as a requirement and will be disbursed within 24 hours directly from the loan application. This LoananGO also already has an OJK permit that has been valid.

Advantages of PinjamanGO

Some of the advantages that can be obtained when using PinjamanGO include low and transparent loan interest, easy application requirements, relatively fast review and disbursement process, easy repayment, and also you can borrow again after repayment. Don't worry, the data you have provided will remain safe and there will be no fraud.

UangMe

In addition to the applications above, there is also a UangMe application that you can choose as a place to borrow your funds. UangMe itself claims that they will disburse the funds that you will borrow within just 1 minute after submission.

Advantages of UangMe

You don't need to worry about certification, this application also has certifications and licenses from the OJK. You can borrow a small amount of IDR 2,000,000 within a period of 2 months for repayment. As for large funds of up to IDR 20,000,000 with a repayment period of 3 months. The app is also categorized in an award with nominations for the world's best fintech-based apps in the top 50.

Rupiah Cepat

Rupiah Cepat is one of the online applications that also offers online loans. This Fast Rupiah is issued by the company PT Kredit Utama Fintech Indonesia (KUFI) which is one of the leading online fund loan service providers with ID card guarantees in Indonesia.

Advantages of Rupiah Cepat

Some of the advantages that you can get if you use this application include, Borrowing without collateral. Just using your ID card, you can get a loan of up to 10 million in a period of 1 year depending on your needs with a low interest rate of around 24% per year. In addition to being easy and fast, this application is also a trusted platform that has a certificate and has a permit from the Financial Services Authority (OJK).

KTA CIMB Niaga

CIMB Niaga Unsecured Loan is commonly referred to as CIMB Niaga X-TRA DANA which is also an online money loan facility provided by Bank CIMB Niaga without collateral. However, online loans with ID card guarantees can only be borrowed by CIMB Niaga customers themselves.

Advantages KTA CIMB Niaga

The advantages provided by KTA CIMB Niaga are very attractive, you can borrow funds up to IDR 200,000,000 with a repayment period of up to 4 years with fixed monthly installments. Pretty interesting, right? This loan is perfect for those of you who want to start a business and don't have capital yet, then you can borrow this online fund. However, make sure you are a customer of Bank CIMB Niaga.

Indodana

Then there is Indodana which is an online fund loan platform with an ID card guarantee found in Indonesia. The offer that Indodana can provide is also attractive, creditors can borrow money up to IDR 8,000,000 with a repayment period starting from 3 months.

Advantages of Indodana

The interest rate you get is also competitive, so you don't need to hesitate to borrow from Indodana if you only need small funds. The requirements are also quite easy, only with an ID card or NPWP you can borrow these funds. In addition, if you can pay off the funds on time, then there will be various attractive rewards that you will get. Starting from free credit to shopping vouchers

Kredivo

Kredivo is the leading digital credit application in Indonesia that will give you convenience with the buy now, pay later feature within 30 days without interest, or with installments within a period of 3 to 12 months.

Advantages of Kredivo

You can also use Kredivo as a payment method from various large online store merchants such as Tokopedia, Bukalapak, Lazada, Blibli, Tiket.com and others. The offline merchants such as Samsung Store, IKEA, Gramedia, and others. The feature presented by Kredivo can make loans of up to IDR 30,000,000 without using a down payment. The conditions that must be met are also the same as other applications with the addition that you must have a minimum income of IDR 3,000,000 per month.

Tunaiku

Tunaiku is an online unsecured credit product or unsecured cash loan like the application we discussed earlier. The minimum loan amount that you can apply for is IDR 2,000,000 and the largest is IDR 20,000,000 with a repayment period of 6 to 20 months.

Advantages of Tunaiku

Then what distinguishes Tunaiku from online fund loan applications with other ID card guarantees? Tunaiku belongs to an Amar bank and has an official license from the bank directly. That way, Tunaiku is a pure product that is managed and has good security because it is under the influence of a bank.

KTA Digibank DBS

KTA Digibank is a KTA loan product from a DBS bank that offers loans in large amounts without collateral, perfect for those of you who need large funds.

Advantages of KTA Digibank DBS

You can use this loan fund to buy electronics, furniture, education fees, medical treatment, and even for vacation. The interest offered is also relatively light, which is 0.95%. KTA Digibank also offers loans ranging from IDR 5,000,000 to IDR 300,000,000 with installment periods of 12 to 36 months.

Maucash

Maucash is a subsidiary of PT Astra International Tbk with WeLab which is a leading fintech company based in Hong Kong.

Advantages Maucash

The feature offered by Maucash itself is a limit that can be used at any time, you can cash it out at any time according to your needs. You will get a loan limit of up to IDR 12,500,000 with an installment period of up to 12 months.

FINMAS

Furthermore, there is FINMAS which is also an information technology-based application that provides money loan services and is published by PT Oriente Mas Sejahtera. You also don't need to worry about the license of this application, because FINMAS itself has been registered and supervised by the financial services authority.

Advantages FINMAS

The offer offered by FINMAS is no less attractive than others, namely you will get a loan from IDR 1,000,000 to IDR 5,000,000 with a repayment period of 90 - 180 days. In addition, you will also get interest starting from 0% with a term of 3-6 months and interest up to 36% if calculated per year.

KTA Permata MobileX

KTA Permata is one of the online loans with the same KTP guarantee as others, but with a loan of IDR 300,000,000 with a loan period of up to 60 months.

Advantages of KTA Permata MobileX

The offer that can be obtained from KTA Permata MobileX is that in addition to being able to receive funds quickly for a long period of time, you will also get a low interest rate of 1.59%. In addition, you will receive the loan funds after application within 1 working day. What's more, you are free to use the loan funds depending on your needs.

JULO

JULO is one of the online loans with other ID card guarantees that can offer loans of up to IDR 8,000,000 with a term of up to 6 months. You can feel the advantages of JULO when you can pay off the installments earlier than the scheduled deadline, namely you will get cashback on your loan.

Advantages JULO

Don't worry about the interest rate you will get, because JULO will give you a relatively small interest starting from 0.1% per day. For those of you who have a low income and want to borrow funds online, then JULO is the right application for you. You can borrow if you have a minimum income of IDR 1,700,000 per month. You can also get cashback when you can pay in full on time or before maturity.

Kredit Pintar

Furthermore, there is the Kredit Pintar application which also offers online loans using only ID card guarantees. The interest rate offered can also be fairly low, Kredit Pintar will provide an interest rate of 11% per year.

Advantages Kredit Pintar

In addition, the initial fee for borrowing money will be charged at 5%-15% depending on the amount of credit and the repayment time you will choose. The funds that you can borrow are also fairly large in the maximum amount, which is IDR 20,000,000 with a period of 91 to 360 days. However, if you are late in your payment, you will be charged 1% per day of your loan.

UangTeman

UangTeman can also help you in getting a loan with only an ID card guarantee. The loan you will get starts from IDR 5,000,000 and can reach a maximum of IDR 20,000,000 with a repayment period of 3 to 6 months. The interest rate offered is also quite low, namely 6-9% per month, or 0.2%-0.3% per day.

Advantages UangTeman

The advantage offered by UangTeman is very interesting, namely you don't have to pay admin fees when borrowing. For those of you who borrow a one-time loan, you will be charged a low interest fee of 0.8%

KTA Commbank

KTA Commbank is an official product that is also issued by a bank, namely, PT Bank Commonwealth which you can use as an option in online fund borrowing. This loan from KTA Commbank is valid for those of you who have worked as an employee for at least 1 year.

Advantages KTA Commbank

But if you are a businessman, it is also possible to still be able to borrow at this KTA Commbank. Also, after your loan has been approved, for those of you who are not yet a customer of PT Bank Commonwealth, you must apply to become a customer of the bank first. The funds that can be borrowed from KTA Commbank are starting from IDR 10,000,000 to IDR 30,000,000 with a loan period of 12 to 18 months. The interest rate you will get is 1.99% moreover, you will not be charged provincial fees, admin fees, and also annual fees.

Pinjam Yuk

You can also start an online loan with an ID card guarantee from this Pinjam Yuk application. Pinjam Yuk also offers a fast process when borrowing funds, you only need 5 minutes to fill out the loan form in the application and the money you borrow will be sent immediately with a maximum period of about 2 hours.

Advantages Pinjam Yuk

The amount of loans that you can borrow starts from IDR 500,000 to IDR 2,000,000. Suitable for those of you who need funds that are not too large. The payment period is also quite long, starting from 91 - 120 days. The interest offered is a maximum of 14% per year with no transaction fees. The requirements needed to apply for a loan are also easy, you only need an Identity Card or KTP and also a bank account number in the borrower's name and also a salary slip proof of your income.

TunaiKita

In addition, there is TunaiKita which also offers online loans that are no less attractive than other applications. You don't need to worry about the certification or permission of this application, because TunaiKita already has a license and supervision from the Financial Services Authority.

Advantages TunaiKita

The process of disbursing the money you borrow is 2 days at most. For loans that you can get is IDR 500,000 to IDR 10,000,000 with a maximum loan period of 90 to 180 days. Later you will be charged a service fee or interest of around 0.5-2% per month. The requirements needed are also simple, you only need an ID card and a bank account in your personal name and also work information as applicable.

Home Credit

One of the largest money loans in Indonesia is Home Credit Indonesia. This Home Credit has a product called HCI Multipurpose Online Wallet or DONA. The loan offers offered start from IDR 3,000,000 to IDR 15,000,000 with a maximum period of 42 months.

Advantages of Home Credit

The interest rate you will get starts from 0% to 3.99%. The necessary requirements are to use an ID card, a personal account and also have a job and a fixed income of at least Rp 1,500,000 every month.

Pinjam Gampang

Pinjam Gampang is also a platform that provides loan services with an ID card guarantee that can be another option for you. The advantages of this Easy Loan are high limits, simple verification, and also competitive interest.

Advantages of Easy Borrowing

The requirements needed are also simple, you only need an ID card, stable income, have a company identity card, and an account in your personal name. Funds that can be lent up to IDR 5,000,000 with a period of 7 to 14 days.

DanaBijak

DanaBijak is a fund loan platform with an ID card guarantee that is under the auspices of PT Digital Micro Indonesia which has been registered with the Financial Services Authority or OJK.

Advantages of DanaBijak

DanaBijak also offers cashback or fee reductions for those of you who can pay on time or pay before maturity. The maximum loan amount offered is IDR 20,000,000 with a loan term of up to 12 months.

Fast Credit Online Loans

There is also an Online Loan Fast Credit that can be another option for you in borrowing money. The loan amount that you can get starts from IDR 300,000 to IDR 8,000,000 with a repayment period of 95 to 120 days. The interest you get is 24% to 36% per year.

Advantages of Fast Credit Online Loans

In addition, the period of the process for disbursing funds so that they can reach your account is about 24 hours. The requirements needed to apply for a loan at Kredit Cepat Loan Online are to have an ID card and also have a monthly income along with a salary slip.

DanaRupiah

Another online fund loan with an ID card guarantee is DanaRupiah. This online loan platform will offer loans of up to IDR 25,000,000 with a repayment period of 91 days at the longest. The disbursement process is the same as the previous application, which is up to 24 hours at the latest.

Advantages of DanaRupiah

The interest rate you will get is 10.5% per year. The requirements needed to be able to borrow at DanaRupiah other than an ID card are verification of bank information, employee identity cards, and contact information from friends or relatives.

RupiahPlus

Lastly, there is the RupiahPlus application operated by PT Digital Synergy Technology which can be your other choice.

Advantages of RupiahPlus

The funds that can be provided by RupiahPlus are starting from IDR 600,000 to IDR 1,200,000 with a repayment period of 7 to 14 days. For the interest rate, you will be charged interest of around 0.8% per day. The disbursement time for funds to reach your account will take about 20 minutes. If you reach the payment deadline, you will be subject to a penalty of about 2% of the loan amount. Thus the discussion from GIC Indonesia regarding "26 Loans for KTP Guarantee Funds that are Quickly Disbursed". Don't forget to look for information related to investment, trading, forex and finance, such as "Business during the Pandemic", only in the GIC Journal. Also deepen your knowledge of forex at GIC through ebook-scalping, and NFP Live Trading.