If you are currently looking for an online loan that offers interest rates that are not too high, then the following discussion about the best low-interest online loans needs to be known.It seems that it is undeniable that loan interest rates often provide their stigma in the eyes of the community.
Apart from being considered too high, interest rates are also considered to be relatively "suffocating", which makes the loan amount bigger than it should be.
Even though in reality, there are currently some of the best low-interest online loans that you can choose for, you know.
In addition to offering lower interest rates, the online loan that we will discuss this time also has a relatively fast disbursement process and has been registered with the OJK, so that the level of trust is guaranteed. What are you curious about? Let's watch it together!
Best Low-Interest Online Loans
The presence of online loans is indeed very helpful for people who need fast funds but with easy terms and procedures.
How come? Only by downloading the application via a smartphone, you can apply for a loan anywhere and anytime without having to leave the house.
Plus in general, online loans also offer fast disbursement of funds. In just a few days, the funds can be immediately disbursed to personal accounts.
Even so, you also have to be careful when you want to apply for a loan through an online loan application.
Because, even though it offers low interest rates and easy terms, this application is not necessarily safe.
Therefore, so that you don't choose the wrong choice, the following are reported from various sources, the following are some of the best low-interest online loans that you can make a choice, namely:
1. Kredivo
The best low-interest online loan that we will discuss first is Kredivo, which currently even collaborates with merchants in e-commerce to make it easier for you to shop online.
Here, the submission process is fairly easy, because you only need to download the Kredivo application on your smartphone via the Play Store or Appstore.
After that, fill in all the requested data and information, before, in the end, you can apply for a loan as needed.
Kredivo claims to have a security system equivalent to a bank. So you don't have to worry anymore when you want to apply for a loan here.
Besides you can borrow funds that can only be adjusted to your needs, here you can even choose the loan tenor you want, you know.
Kredivo offers several tenor options that you can choose from, from 1 to 12 months.
So, what about the flowers? The interest offered by the credivo is quite small, at only 2.95 percent!
One other advantage, you also don't have to pay a down payment for the items you want to buy, you know. In the future, the installments will be adjusted to the tenor and size of the loan that you submitted.
For the loan nominal itself, through one of the best low-interest online loans, you can apply for loans ranging from IDR 1.5 million to IDR 30 million.
Here, the submission process is fairly easy, because you only need to download the Kredivo application on your smartphone via the Play Store or Appstore.
After that, fill in all the requested data and information, before, in the end, you can apply for a loan as needed.
Kredivo claims to have a security system equivalent to a bank. So you don't have to worry anymore when you want to apply for a loan here.
Besides you can borrow funds that can only be adjusted to your needs, here you can even choose the loan tenor you want, you know.
Kredivo offers several tenor options that you can choose from, from 1 to 12 months.
So, what about the flowers? The interest offered by the credivo is quite small, at only 2.95 percent!
One other advantage, you also don't have to pay a down payment for the items you want to buy, you know. In the future, the installments will be adjusted to the tenor and size of the loan that you submitted.
For the loan nominal itself, through one of the best low-interest online loans, you can apply for loans ranging from IDR 1.5 million to IDR 30 million.
2. Smart Credit
The next best low-interest online loan comes from Smart Credit, which is an online cash loan application that you can access 24 hours a day.
In addition to the tenor that borrowers can choose according to their abilities, Smart Credit is also said to offer a fast and easy submission process, you know.
With a ceiling starting from IDR 550,000 to IDR 8,000,000, the installment period that you can choose from is also relatively long, starting from 2 months to 12 months.
When the loan application that you make has been approved by Smart Credit, it is estimated that the loan funds can be immediately disbursed to your personals account in just 24 hours.
Having registered with the OJK, you only need to prepare your KTP when you want to make an application, without requiring just one guarantee.
Then, what about the interest rates? Smart credit offers interest of 0.5 percent to 1 percent per day.
In addition to the tenor that borrowers can choose according to their abilities, Smart Credit is also said to offer a fast and easy submission process, you know.
With a ceiling starting from IDR 550,000 to IDR 8,000,000, the installment period that you can choose from is also relatively long, starting from 2 months to 12 months.
When the loan application that you make has been approved by Smart Credit, it is estimated that the loan funds can be immediately disbursed to your personals account in just 24 hours.
Having registered with the OJK, you only need to prepare your KTP when you want to make an application, without requiring just one guarantee.
Then, what about the interest rates? Smart credit offers interest of 0.5 percent to 1 percent per day.
3. My Cash
TunaiKu is also one of the best low-interest online loans that you can choose from.
Under the auspices of Amar Bank, this one online loan application has also been registered with the OJK, so you don't have to worry anymore about its security.
With an interest of 3-4 percent per month, here you can apply for a loan starting from IDR 2 million to IDR 20 million, which can be adjusted according to your needs.
Interestingly, the requirements for applying for a loan at one of these low-interest online loans are also very easy, that is, you only need to prepare your KTP, without having to be accompanied by a salary slip.
The disbursement process is also relatively fast, which only takes 24 hours. Meanwhile, for the tenor, you can start from 6 to 20 months, which can also be adjusted to the loan size and ability to pay installments.
So, for those of you who require fast funds, TunaiKu can be used as one of the best low-interest online loans that you can make an option for.
Apply for Tunaiku online loans safely and comfortably through the banner below.
Under the auspices of Amar Bank, this one online loan application has also been registered with the OJK, so you don't have to worry anymore about its security.
With an interest of 3-4 percent per month, here you can apply for a loan starting from IDR 2 million to IDR 20 million, which can be adjusted according to your needs.
Interestingly, the requirements for applying for a loan at one of these low-interest online loans are also very easy, that is, you only need to prepare your KTP, without having to be accompanied by a salary slip.
The disbursement process is also relatively fast, which only takes 24 hours. Meanwhile, for the tenor, you can start from 6 to 20 months, which can also be adjusted to the loan size and ability to pay installments.
So, for those of you who require fast funds, TunaiKu can be used as one of the best low-interest online loans that you can make an option for.
Apply for Tunaiku online loans safely and comfortably through the banner below.
4. Maucash
Maucash is one of the best low-interest online loans established by PT. Astra Welab Digital Arta (AWDA) in April 2018 ago.
Already licensed and supervised by OJK, Maucash has a mission to be able to make it easier for people who want to apply for loans without the need for collateral or collateral.
To apply, you only need to download the Maucash application via Playstore or visit the website directly at maucash. id.
It is enough to take about 5 minutes to complete the submission process. However, unfortunately, currently, the Maucash application is not yet available on the Appstore for iOS users.
Here, there are two types of loan services that you can choose from, namely:
Hurry up
First, there is Maucepat which is a short-term loan service with a one-time payment system. Some of the features offered are:
Ceiling starting from IDR 500,000 to IDR 3,500,000.
For the first application, the maximum loan amount is only IDR 1,500,000. As for the second and subsequent loans, the maximum amount of the loan will increase to IDR 3,500,000.
Payment system at once or once paid in a tenor of 61 days.
A Service fee of 0 percent per day, effective from 1 August 2020.
Already licensed and supervised by OJK, Maucash has a mission to be able to make it easier for people who want to apply for loans without the need for collateral or collateral.
To apply, you only need to download the Maucash application via Playstore or visit the website directly at maucash. id.
It is enough to take about 5 minutes to complete the submission process. However, unfortunately, currently, the Maucash application is not yet available on the Appstore for iOS users.
Here, there are two types of loan services that you can choose from, namely:
Hurry up
First, there is Maucepat which is a short-term loan service with a one-time payment system. Some of the features offered are:
Ceiling starting from IDR 500,000 to IDR 3,500,000.
For the first application, the maximum loan amount is only IDR 1,500,000. As for the second and subsequent loans, the maximum amount of the loan will increase to IDR 3,500,000.
Payment system at once or once paid in a tenor of 61 days.
A Service fee of 0 percent per day, effective from 1 August 2020.
Mauringan
Second, there is Mauringan, which is an installment loan for those of you who are not able to make a one-time payment. The features offered are:
Loan limits start from IDR 2,500,000 to IDR 10,000,000.
Tenor 3 - 12 months.
A Service fee of 6 percent per month, effective from 1 August 2020.
To apply at Maucash, you only need to prepare documents in the form of your KTP, salary slip, and bank account for the last 3 months.
Loan limits start from IDR 2,500,000 to IDR 10,000,000.
Tenor 3 - 12 months.
A Service fee of 6 percent per month, effective from 1 August 2020.
To apply at Maucash, you only need to prepare documents in the form of your KTP, salary slip, and bank account for the last 3 months.
5. JULO
The next best low-interest online loan that cannot be missed is JULO. Simply by downloading the application through the Play Store, you can apply for loans ranging from IDR 500,000 to IDR 8 million, you know, with an interest rate of only 1.5 percent to 4 percent per month.
However, of course, the amount of interest must be based on the results of the creditworthiness analysis of each customer.
After the application process has been verified and approved, the loan funds will be immediately disbursed to a personal account in less than 28 hours.
To apply for a loan here, some of the requirements you need to fulfill are, such as a minimum income of IDR 2 million per month and an age range of 21-60 years.
However, of course, the amount of interest must be based on the results of the creditworthiness analysis of each customer.
After the application process has been verified and approved, the loan funds will be immediately disbursed to a personal account in less than 28 hours.
To apply for a loan here, some of the requirements you need to fulfill are, such as a minimum income of IDR 2 million per month and an age range of 21-60 years.
6. Money Friends
Well, the best low-interest online loan that we will discuss last is UangTeman, which is part of PT. Digital Alpha Indonesia.
As with other online loan applications, UangTeman also has a mission to be able to help people meet their daily needs without being complicated.
There are two types of loan options that you can choose of, namely:
Daily Loans
Plafonds start from IDR 1,500,000 to IDR 3,000,000 with a tenor of 65 to 70 days.
The interest rate is 0.8 percent per day, without any upfront administration fee deductions. So that when the first disbursement, the nominal money received will be the same as what was proposed.
Installment Loans
Plafonds start from IDR 3,000,000 to IDR 10,000,000 with a tenor of 3 months to 6 months.
The Interest rate of 0.6 every day.
Please note that this one best low-interest online loan is currently only available in the Greater Jakarta, Surabaya, and Yogyakarta areas.
In addition, some other requirements that you need to fulfill are, such as being a minimum age of 21 years and a maximum of 55 years, having a minimum income of IDR 2,300,000 for the Jabodetabek area, and a minimum of IDR 2,000,000 for other coverage areas, and attaching a photo ID.
As with other online loan applications, UangTeman also has a mission to be able to help people meet their daily needs without being complicated.
There are two types of loan options that you can choose of, namely:
Daily Loans
Plafonds start from IDR 1,500,000 to IDR 3,000,000 with a tenor of 65 to 70 days.
The interest rate is 0.8 percent per day, without any upfront administration fee deductions. So that when the first disbursement, the nominal money received will be the same as what was proposed.
Installment Loans
Plafonds start from IDR 3,000,000 to IDR 10,000,000 with a tenor of 3 months to 6 months.
The Interest rate of 0.6 every day.
Please note that this one best low-interest online loan is currently only available in the Greater Jakarta, Surabaya, and Yogyakarta areas.
In addition, some other requirements that you need to fulfill are, such as being a minimum age of 21 years and a maximum of 55 years, having a minimum income of IDR 2,300,000 for the Jabodetabek area, and a minimum of IDR 2,000,000 for other coverage areas, and attaching a photo ID.
