Find a variety of low-interest online loan options that offer convenience, large ceilings, and long tenors, ideal for meeting your various financial needs.
Online loans are a quick solution to meet urgent financial needs. In Indonesia, more and more online loan services are offering low interest as a more affordable alternative.
With low interest, the installments paid each month become lighter, helping to manage finances better. In this article, we review 11 low-interest online loans that you can consider to meet your financial needs.
1. Indodana
Indodana is an online lending platform that offers low interest rates starting from 8% per month. This loan comes with a flexible tenor, between 3 to 9 months. Before applying for a loan, you can easily calculate the installment simulation through the official Indodana website.
For example, if you apply for a loan of Rp5 million with a tenor of 6 months, the installment to be paid is around Rp1,298,000 per month. The easy application process and low interest rates make Indodana a very attractive choice for those who need a loan in a short time.
2. Smart Credit
Kredit Pintar offers online loans with interest rates of no more than 11% per year. For initial applications, you can get loans ranging from IDR 600 thousand to IDR 1.8 million. This loan limit can increase to IDR 20 million if you have a good credit history.
Kredit Pintar provides a variety of tenor options, ranging from 30 days to 12 months. With a fully application-based application process, Low Interest Loans are easily accessible and suitable for those who want a quick and easy loan.
3. BETEL NUT
PINANG is a banking product that offers a low interest rate of 1.24 % flat per month. This loan has a flexible ceiling ranging from IDR 500 thousand to IDR 25 million.
With a long loan tenor of up to 12 months, PINANG is suitable for those of you who need funds for a longer period of time. This product is very useful for various needs, from education to other urgent needs.
4. Let’s Borrow
Pinjam Yuk is an online loan application with low interest rates starting from 1.20 %. Pinjam Yuk has two leading products: Pinjam Praktis and Pinjam Ringan.
Pinjam Praktis allows users to apply for loans of up to IDR 7 million, while Pinjam Ringan offers a larger ceiling of up to IDR 25 million.
With very competitive interest rates and flexible loan options, Pinjam Yuk is the right choice for many people who need fast funds with low interest rates.
5. Easycash
Easycash offers loans with low interest rates starting from 2% per month. With a loan ceiling of up to IDR 20 million, Easycash provides convenience for borrowers who need large funds. The loan tenor provided ranges from 93 days to 180 days.
Interestingly, Easycash uses artificial intelligence (AI) technology to process loans within 24 hours, making it a great choice for those who need fast funds.
6. Uangme
Uangme is an online lending platform that offers loan ceilings ranging from IDR 400 thousand to IDR 20 million. With a maximum annual interest rate of 21.9 %, Uangme provides a choice of loan terms between 91 to 120 days.
Uangme has easy and fast requirements, making it the right choice for those of you who need fast funds with low interest and varying tenors.
7. Borrow Money
Pinjam Duit is an online loan application with very low interest, starting from 0.08 % per day. With a loan ceiling of up to IDR 10 million, Pinjam Duit provides flexible loan options with a tenor of between 120 and 180 days. This loan offers a fast and easy solution for those who need funds without a complicated process.
8. Rupiah Fund
Dana Rupiah offers online loans with very competitive interest, with a maximum annual interest rate of only 10.5 %. The loan ceiling offered is quite large, reaching IDR 25 million, and the tenor given is quite long, more than 91 days.
Dana Rupiah provides an easy and fast loan application process, allowing users to get funds according to their needs in a short time.
9. There is us
Adakami offers online loans with low interest rates starting from 1.58 % per month. Users can apply for cash loans of up to IDR 10 million with flexible terms, ranging from 3 months to 12 months.
This loan is suitable for various financial needs, be it for personal, educational, or other purposes. With low interest and an easy application process, Adakami is an attractive choice for many people.
10. Finplus
Finplus offers online loans with very competitive low interest rates, starting from 0.1 % to 0.2% per day. With a flexible loan ceiling between IDR 500 thousand to IDR 2.4 million and a tenor between 91 to 120 days, Finplus provides users with the flexibility to choose the loan amount according to their needs.
The fast application process and low interest make Finplus very suitable for users who need funds in a short time.
11. Finmas
Finmas offers low interest online loans with the lowest interest rate of around 0.188% per day. The loan ceiling offered is up to IDR 5 million and flexible tenor between 1 month to 3 months provides many choices for borrowers.
Finmas prioritizes the ease of applying for loans without collateral requirements, making it a very attractive option for those who need fast funds without a complicated process.
Low-interest online loans are the main choice for many people who need funds at affordable costs. From the various options mentioned, you can choose Fast Liquid Loans with a low interest rate, appropriate tenor, and flexible loan ceiling according to your financial needs.
Make sure to always check the interest rate, tenor, and other fees so that you can manage your installments easily and avoid unwanted financial burdens. By choosing a trusted online loan provider, you can get a loan with low interest and a fast process without any problems.