Good luck choosing loans online agar Not Fooled
Make sure to choose online loans well when you need it. This is because the platform itself is very much in Indonesia. Its development occurred in recent years, when this system began to be known to the public. The introduction was accompanied by an increasing number of such enterprises.
Of course, not all loans on the Internet have high quality. Some of them are still at a new age, so the quality given may not be as desired. If you are deceived and have such a platform, you may find yourself at a disadvantage. This is because it is possible that the platform is actually harming you.
In order not to be deceived and make the wrong choice, a selective nature when choosing it is necessary. Thanks to this selective nature, the quality that it receives is certainly what it wants. In fact, there are some tips that must be considered when choosing. It is always good to choose a loan online , paying attention to the following tips.
Choose a platform with high reliability
The first advice when choosing a loan online is to pay attention to its reliability. The benchmark for its reliability is not so complicated. The most important aspect of this reliability is its registration with the FSA. If the loan is reliable, the loan must be registered with the OJK. How to check it yourself is very simple.
There are already many features on the Internet that allow you to check whether a loan is registered with the OJK. Be sure to choose loans well online , paying attention to this issue. If the 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, etc.
The requirements for a platform with high reliability continue to lie on its website or website. The platform with high reliability certainly has an official website or application with a well-established appearance. Do not choose a loan that uses a free site. Also, do not choose loans that make offers via wa and SMS.
Its reliability is highly questionable if the official website and application alone do not belong. In addition, the sites and applications of quality borrowers always provide detailed information from pinjol itself. important information such as interest and loan options. Creating such an array is not as easy as it seems.
With it, it is possible to make sure that the site has high reliability. Do not forget to pay attention also to the call center as a form , as a form, how well to choose loans online. The quality platform always provides quality CS to its users. A quality CS is always easy when contacted.
In fact, some high-end platforms activate their CS for up to 24 hours. It is clear that this condition will benefit the consumer. Since the CS continues to work for a long time, every question of users will be fully answered. CS’s answer is also certainly satisfactory, so it’s impossible for users to feel that there is something less than an answer.
Also, make sure that the platform does not harm users
In addition to high reliability, a good choice of loans via the Internet can also be proven by choosing a platform that does not harm consumers. The first question of this issue is, of course, interest. When borrowing on a loan, it is impossible that the loan is not accompanied by interest. Flowers should be in different 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, on the loan itself, one of the main difficulties is the presence of daily interest. Haria interest must be paid if the payment is overdue. Daily interest is actually something in common.
However, on some platforms, often the interest of the day is too high. In fact, there are those who have set a daily interest rate of more than 2%. Now imagine that you borrowed 10 million rupees with a daily interest rate of 2%. With this, the interest per day reaches 200 thousand rupees.
If the payment is delayed by one month, the interest reaches $ 6 million. this is quite extraordinary, given that the amount is more than half of the initial loan. As a form , in order to be able to choose a loan well online, be sure to choose a platform with an interest rate of not more than 1%.
This is the standard fee that the FSA has chosen and proposed. Therefore, choose another platform if the daily interest alone is more than 1%. Do not forget to pay attention also to the loan mechanism of the platform. If the mechanism of the loan alone is not clear, then suddenly you can be charged an excessive amount.
This problem is usually experienced when the selected platform does not provide detailed information about the loan in a non-transparent way. Therefore, always choose pinjol, which in this case is open. As a rule, there are 3 main points in the mechanism. Three things include repayment limits, installment modeling, and interest rates.
Some of the best platforms and their contacts
As a form that allows you to choose loans well online, not all platforms can be selected. There are several that are worth choosing because of their advantages. The first choice is MoneyMan. MoneyMan itself is actually more dedicated to college students. This allows students to meet their needs as they run away.
Most loans are intended only for employees. The official office of UangTeman is located in South Jakarta. For more information, CS can be contacted by phone at 021-8062-3000. Next is Kredivo. It is one of the fastest growing online loans. Its popularity is constantly growing.
With the first registration, it is possible to get a limit of up to 30 million rupees. the amount is certainly not a small amount. Kredivo itself is available as an application or on the official website. The contact itself can be contacted for an hour. To contact him, you can call 0807-1573-348.
KTA Instan can also be used as a way to prove that you are paying to choose loans online. Its popularity is not as great as the other names of this review. This is because a special feature of the instantaneous KTA is the income limit of its borrowers. When someone wants to borrow there, the income of a person should not be less than 3 million rupees.
If the income is lower, then further processing can not be carried out. The online KTA itself can be chosen when you often feel hard about some online loans that require borrowers to meet many of the requirements. The process here is quite simple, since 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 in order to pay out funds there. When borrowing, the person will be asked to take a selfie with an identity card.
Tips for borrowing on loans online
Although the loan is made via the Internet, this does not mean that someone can be arbitrary in making a payment. Trying to choose a loan online will be useless if someone does not remain serious about 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 daily interest that will be charged if you are late in paying. Instead of losing large sums of money as a result, always make sure that you pay as soon as possible.
Don’t forget to choose a platform as well. If you make the wrong choice, bad opportunities may arise. These bad options include high interest rates, inconvenient settlement processes, and privacy violations. Always make sure to be selective, careful and choose online loans well.