Nowadays, looking for loans to meet your daily needs is getting easier. In addition to being able to apply for a loan at P2P Lending or legal loan The same applies to later payers. You can now apply for a loan or bank credit online.

The advantage is that online bank loans are generally legal because banks are financial institutions with very strict regulations. Not only that In terms of the amount of interest and management fees The interest and management fees for digital bank loans are also lower compared to P2P Lending.

On the other hand, when compared to loans and loans from general banks, Loans from digital banks are also more practical. This is because customers just need to create an online account, upload their electronic KTP and several other requirements, and then receive approval in less than a day.

Confused about how to find a digital bank loan? Here are our recommendations for the best online bank loans in 2024:

1. Flexi Cash- Genius

Jenius digital banking application offers online loan programs with names. Flexi Cache– With a maximum amount of INR 200 million and a maximum tenure of 36 months, you can use the loan funds from this app for various purposes, from your child's education. to meeting daily needs

However, the amount of limits each customer can access will vary based on the average balance you have and the frequency of your transactions using this application each month. As with interest, Flexi Cash from Jenius offers interest rates of 0.99%-3.5% per month based on each customer's risk profile.

2. Digibank KTA – DBS Bank

As one of the best private banks in Indonesia, DBS Bank also offers its own digital banking service, Digibank. Just like traditional banks, Digibank also offers it. Unsecured Loan (KTA)– This means that in order to receive this loan You are not required to deposit any form of collateral or collateral.

Loan amounts from Digibank KTA can reach Rp 300 million with a maximum term of 36 months. Interest rates range from 0.95% -3.29%, adjusted according to the customer's risk profile. The only drawback of this digital bank is that If you want to use You must reside in the operational areas such as Jabodetabek, Bandung, and Surabaya. Additionally, to receive this KTA, you must have a minimum income of Rp 5 million per month.

3. Tunaiku – Bank Amar

Tunaiku is an online money loan issued by Bank Amar in 2014. In this application You can apply for an unsecured loan from 2 million rupiah to 20 million rupiah with a maximum tenure of 20 months. The interest rate offered by this application is quite high, 2% – 5% per month.

The conditions for applying for a loan at Tunaiku are also easy. To get started, just have a KTP to show your nationality, account number (can be at Government Savings Bank or another bank), and reside in your work area. The bank's work area covers major cities. throughout Indonesia From Jabodetabek to Maros, South Sulawesi.

4. TMRW Pay – UOB Bank

The fourth digital banking loan tip is TMRW pays from UoB bank.– This digital bank loan offers 0% interest for up to 3 months. Is it interesting? It's just that the credit limit set by this bank is quite limited, i.e. up to 10 million rupiah with a maximum period of 9 months.

What if you pay in installments for 6 months or 9 months? If you take over during this period The interest rate you pay is 3% plus a 2% administration fee. Unfortunately, the TMRW Pay service from Bank UoB is only accessible to customers residing in Jabodetabek.

5. KTA Cash Lone – OCBC

As the name suggests, the 5th online bank loan recommendation is KTA Cashloan from OCBC Bank. to receive this loan You are not required to deposit any form of collateral. The conditions for receiving this credit are also simple: a photo of your KTP, a selfie with KTP, NPWP, and a signed online form document.

KTA Cashloan from OCBC offers a loan program of up to Rp 200 million with a low interest rate of 0.98% per month and a term of up to 3 years. However, when applying for this loan You will be charged an administration fee of IDR 25,000 and an origination fee of 3% of the loan principal.

6. Smart Credit – Jago Bank

Different from other digital banks A little above offers credit programs without cooperating with other companies. Bank Jago provides loans to its customers in cooperation with the online credit company Kredit Pintar. Therefore, the required limit and interest offered by Bank Jago loans also meet the requirements of this company. Limits The tenor and interest rate offered by Kredit Pintar is a maximum credit limit of 20,000,000 IDR, a tenure of 3 months to 1 year, and an interest rate of approximately 11% per annum. To see the complete review, We've produced a separate full review of Smart Credit here:

smart credit check

Do you need a quick loan? bluExtraCash from Blu or BCA Digital is the answer. The online loan service from Blu offers loans up to IDR 10,000,000 with a maximum tenure of 1 year. The quick and easy disbursement process makes this loan ideal for those in need of emergency funds. And what about the interest rate? bluExtraCash offers interest rates starting at 1% per month or 12% per year. Here is a guide to online bank loans you can access at home.

Although the application, payment and withdrawal process is easy. But don't be too careless when using this credit line. Because no matter what A bad credit history in a bank loan program is still a bad history. BI Audit (SLIK)– Use this loan amount carefully. So that debt can be turned into profit, not profit.

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