3 Low Interest Online Loan Applications and OJK Registered!

Are you one of the people who have ever made an online loan or shopped online with a pay later system? If so, of course you feel that the interest charged for each online loan is so large that you think twice about making an online loan because of the interest.

However, the ease of borrowing online makes people still have an interest in finding emergency funds through online loan applications. Online loan applications vary widely from official to illegal and you as a smart user would be better off choosing a loan application that is safe and supervised by the Financial Services Authority (OJK).

In addition, so that online loan interest does not burden you, look for online loan applications that offer low interest. Low interest can ease the accumulation of your bills every month and you need to remember that the longer you do the loan period, the more interest you have to pay each month if you accumulate it.

So try to make an online loan for the shortest possible period. One more thing you need to remember is not to be easily tempted by instant money that comes from online loan applications. Read the terms and conditions first so you don’t regret it later. Here we have summarized several low-interest online loan applications for your future reference.

Requirements and a list of low interest online loan applications based on banking

low interest online loan application

Before discussing further about the list of online loan applications that have low interest and can pay monthly, we will first discuss the requirements for making online loans. You must fulfill the following terms and conditions in order to apply for a limit from an online loan application:

  • Valid e-KTP
  • You usually have to be over 21 years old
  • Have an active bank account
  • Have a cellphone and download an online loan application
  • Have a smooth internet connection
  • Setting up an active phone number
  • Taxpayer Identification Number (NPWP) if needed
  • Active email
  • Do not have a bad history in banking transactions or other online loan applications
  • Willing to pay according to the specified period

After knowing the various requirements above to make an online loan through an application, then we will discuss a list of recommendations for low-interest monthly loan applications according to the selected tenor. Each application certainly has its advantages and disadvantages, so find an online loan application with a small interest according to your needs!

1. Jenius Flexi Cash App

The first application you can try is Jenius Flexi Cash which is a product of the Indonesian Pension Savings Bank or BTPN, the good news is that you can borrow money without having to go to the bank office because you can apply through the Jenius Flexi Cash application. Did you know that you can make a loan from 2.5 million to 50 million rupiah.

The interest offered on each loan is between 1.75 percent to 2.25 percent per month with a loan period or tenor of 1-36 months. Another advantage that you will get with this application is that you can pay the loan early, competitive interest, without administrative money, can be used immediately. If you are interested in downloading this application, please click the download link here.

2. BRI Agro Pinang Application

Most online loan applications have high interest rates and will be charged daily, but after we collected them from various sources, the interest from online loan applications based on bank products provides relatively low monthly interest. One of them is the Pinang BRI Agro application which offers 1.24 percent interest per month with a loan period of 1-12 months.

But the main requirement is that you must first become a customer of BRI and BRI Agro banks, you can make online loans between 500 thousand to 20 million with disbursement of less than 30 minutes. If you are interested in this one application and you are a loyal customer of BRI bank, you can download the application here.

3. Gem Mobile X Aplikasi App

From the name, you may already know that this online loan application is a product of Permata Bank. Maybe you are wondering why online loan applications with low interest are more identical to banking applications? This is because the banking system follows the rules of the Official Financial Agency which has determined the maximum interest for loans.

In contrast to non-banking online loan applications, which in the process can still provide quite large interest. Therefore, we recommend that you apply for an online loan on a banking-based application to make it more comfortable, secure and get low interest.

Through this application, you can apply for an online loan or KTA from 5 to 300 million rupiah with a low interest rate of 1.49% per month with a long enough loan tenor of 12 to 36 months. For those of you who like online loans with long periods, this application is very suitable and you can download it here.

The final word

Finally, that’s the information we can summarize for you about a safe and reliable banking-based low-interest online loan application. Hopefully this article can be a reference for you to make an online loan to get emergency funds quickly, see you in the next article from our site, OK!