Pegadaian, as a BUMN (state enterprise) company, does not only provide pawn services. Moreover, it turns out that Pegadaian can also provide loans or credits to the public, did you know!
So what types of loans can you apply for at Pegadaian? way? What conditions must be met? Check out the following article for more complete information!
Types of loans at Pegadaian
Before applying for a loan at Pegadaian, make sure you know the types of loans this institution provides. The goal is for you to be able to apply for a loan that meets your needs and meets the highest requirements. Let’s look at the types of loans in the discussion below:
1. Multipurpose loan
This first type of Pegadaian loan allows you to earn low and cheap loan interest. In addition, the installments that must be paid each month are already set so they are not a burden on you.
This multi-purpose loan can not only be applied for by employees or workers, but anyone can apply for it to meet production or consumption needs. The reason is that the only required requirement is the presence of the vehicle’s BPKB. Simple enough, yes. Right?
The loans that can be applied for start from IDR 1 million to IDR 100 million. Repayment periods vary from 12, 24, to 36 months for each loan. You will be charged a 1% administration fee.
The more the loan amount is used, The interest charged will be less. The following is a list of interest that will be charged based on the loan amount:
- Loan IDR 1 million to IDR 10 million: Interest 1.5%
- Loans IDR 10.1 million to IDR 50 million: Interest 1.25%
- Loan IDR 50.1 million to IDR 100 million: Interest 1.15%
2. KUR Shariah Pegadian
For those who have a business but cannot access or meet the requirements to get a loan from a bank, KUR Syariah Pegadaian may be the solution. Sharia KUR (People’s Business Credit) provided by Pegadaian seeks to facilitate the provision of loans to customers. (Rahin)
Of course, with the hope that this loan can be used to increase business productivity and business development.
Unlike regular loans, Pegadaian’s KUR Syariah does not charge interest. The reason is that the service uses Islamic law to operate.
3. Prima Secure Fast Credit (KCA Prima)
The next type of loan at Pegadaian also offers 0% interest for debtors. However, unlike traditional loans, KCA Prima offers a loan period of only 60 days.
KCA Prima is ideal for those who need immediate funds. You will only be charged an administration fee for each loan submitted.
Additionally, the collateral provided may vary. You can provide collateral in the form of a laptop. Gadgetsgold motorcycle and other electronic devices
The loan amount received will be adjusted according to the appraiser’s estimate, i.e. you provide a guarantee in the form of Smartphone– Then the appraiser will give you a price of approximately 1 million Indonesian Rupiah.
Therefore, you can get a loan of up to IDR 500,000.00. For a loan of IDR 500,000.00, you will be charged an administration fee of IDR 5,000.00. Here are the details of the administration fee that will be charged according to the loan specified:
- Loan IDR 50,000.00 to IDR 200,000.00 = Management fee IDR 2,000.00
- Loan IDR 200,001.00 to IDR 300,000.00 = Management fee IDR 3,000.00
- Loan IDR 300,001.00 to IDR 400,000.00 = Management fee IDR 4,000.00
- Loan IDR 400,001.00 to IDR 500,000.00 = Management fee IDR 5,000.00
4. Business loans
Entrepreneurs can also apply for financing through business loans at Pegadaian. The guarantee provided is simple, i.e. the vehicle’s BPKB only.
The term (tenure) of the loan is quite diverse. Starting from 12 months, 18 months, 24 months, 36 months, up to 48 months, this period will be enough for your business to recoup its investment.
The credit process is fast in just 3 business days. Additionally, you can apply for loans from IDR 10 million to IDR 500 million. Pegadaian business loans are divided into 3 categories:
- business loans quick loans
- Ultra Micro Business Loan
- normal business loans Flexible installment payments
Of course, the loan interest you will receive will vary depending on the specific loan and the type of loan you are applying for. You can find more complete interest cost information at website It’s official. Pawn shop–
Loan conditions at Pegadaian
After understanding the loan types at Pegadaian, you need to meet the following conditions when you want to apply for a loan:
1. Multi-purpose loan conditions
- Copy of KTP of the prospect
- Copy of family card (KK);
- Certificate of domicile (if any);
- Work permit/business permit or work/similar certificate;
- Copy of STNK;
- BPKB copy;
- Copy of marriage certificate/divorce certificate
- Evidence of vehicle inspection;
For those who are workers outside the system You will need to attach additional conditions below:
- Proof of residence ownership
- Copy of land and building tax (PBB)
- Copy of electricity bill
2. Pegadaian Sharia KUR loan conditions
- Copy of registered or verified e-KTP
- Copy of KK (family card);
- Copy of marriage registration book for married customers
- Certificate of domicile if the address is different from KTP
- Have a permanent home as proven by PBB and SHM/SHGB
- Copy of Business Identification Number (NIB) or Business License Certificate (IUMK), SIUP, SKU received and issued by the authorized officer.
- Copy of electricity bill/PDAM/telephone bill
3. KCA Prima loan conditions
- KTP or e-KTP;
- The customer’s name is on the family card (KK).
- Never had a KCA Prima balance
- If you have a family member who is still a student and under 30 years of age, you can apply for KCA Prima Alone.
- Each customer is eligible to receive only 1 (one) loan from KCA Prima.
- Customers can apply for KCA Prima again if the original credit has been paid off.
4. Business loan conditions
- Copy of the prospect’s KTP
- Copy of family card (KK);
- Business/Work License;
- Copy of STNK;
- BPKB copy;
- Own an MSME business
- Be a business owner and have been in business for at least 1 year
- There is a warranty according to the specifications, which is a maximum vehicle life of 25 years and a maximum motorcycle life of 15 years.
How to apply for a loan at Pegadaian
After completing the loan requirements at Pegadaian above, you can apply for a loan in several ways:
1. How to apply for a multi-purpose loan
You can apply for a multi-purpose Pegadaian loan in two ways:
Applying for a loan directly to the Pegadaian office:
- First, the customer goes to the Pegadaian office and submits a multi-purpose loan application.
- After that, Pegadaian staff will review and survey the data.
- The micro team will approve the loan amount.
- The customer receives the loan in cash or Transfer–
Applying for a loan through the application:
- first one, download (Download) and register the Pegadaian Digital application.
- Click the “Finance Menu” option.
- Select “Multipurpose Finance”;
- Enter the required amount of funds.
- Choose loan repayment terms
- Fill out detailed warranty information.
- Confirmation of financial application
- Financial application successful
2. How to Apply for Pegadaian Sharia KUR
- First, the customer fills out the application form provided.
- Then the customer sends the necessary documents taken;
- The officials will do it. explore to the residences and establishments of customers
- Sign a credit agreement according to Islamic principles.
- The customer (Rahin) will receive KUR payment.
- Customers pay in installments every month according to the due date.
3. How to apply for KCA Prima
- First of all, the customer comes with collateral and an identity card.
- The estimating team then assesses the value of the collateral items being transported.
- After that, the customer will receive the loan in cash or Transfer–
4. How to apply for a business loan
- Customers submit business loan applications to the nearest Pegadaian.
- Then the financial officer will conduct an inspection and survey.
- The Pegadaian team will provide answers regarding loan approval requirements.
- The customer received the loan.
- Pegadaian team will carry out customer assistance activities during the credit period.
You can apply for a loan at Pegadaian in several ways. You need to understand the interest calculation, terms and how to apply for a loan that suits your needs.
