The current high level of living needs means that many people must have other ways of earning additional income. What has become popular recently is the use of legal loans that can be accessed using an app.
Currently, there are many low interest online loan application developers who offer easy and safe loans. However, users should also be selective in choosing a fast-disbursing legal loan that is officially from OJK. Below, Hajiyatim has prepared a list of recommendations for the best low-interest legal loans for 2023.
List of recommended legal loans with low interest and direct disbursement
Legal Pinjol, which is short for Legal Online Loans, refers to loan services that operate legally according to the rules and regulations set by the government.
Legal Loan List 2023 provides easy and fast access to loans across digital platforms, with a transparent process and fair interest rates and fees for users.
Apart from that, fast legal loans are a type of online loan service which is legal and regulated by the government. In the ever-growing digital age, online loans have become a popular alternative for quick financial needs.
However, it is important to understand the difference between legal loans and illegal loans in 2023 so that you can make wise decisions in choosing a loan service provider. Legal low-interest lending services in Indonesia are regulated by government regulations that require service providers to obtain appropriate licenses and permits.
This license shows that pinjol has met the requirements established and supervised by the competent authority or OJK. Therefore, Hajiyatam has prepared here a list of legal, fast-disbursing loans that can be availed of:
See also: 14 official DANA money making applications that are disbursed quickly
1. Smart Credit – Loans are disbursed online instantly
Kredit Pintar is one of the most popular online loan service providers in Indonesia. They provide quick and easy access to loan funds through their digital platform. In the world of online loans, Kredit Pintar is known as a legal and reliable service.
Smart Credit provides a quick and easy application process. Users can apply for loans via their mobile app or website by filling out the application form and completing the required documents.
Kredit Pintar then offers various options for legal loans with long terms and loan amounts that can be customized according to individual needs. Users can choose a comfortable tenure and loan amount that suits their clients’ financial needs.
| Application name | Smart credit |
| Application size | 19 MB |
| Application version | 1.9.97 |
| Last updated | May 10, 2023 |
| OS | Android version 5.0+ |
| Developer | Indonesia Smart Credit |
2. UATAS: Low interest online fund loans
UATAS app is one of the best legal lending platforms that provides easy and quick access to loans via smartphone. UATAS (Usaha Tuntas Amanah Sejahtera) is one of the leading providers of legal long-term loan services in Indonesia.
UATAS provides flexibility in choosing the loan term and amount. Borrowers can customize the loan according to their needs, both in terms of the amount they want to borrow and the required repayment period.
UATAS offers a fast verification process. After applying for a loan and completing the OJK statutory loan list with the required documents, the borrower will receive a verification decision within a short period of time. This allows borrowers to obtain the required funds immediately
| Application name | UATAS: Online Fund Loans |
| Application size | 16 MB |
| Application version | 2.3.3 |
| Last updated | May 9, 2023 |
| OS | Android version 5.0+ |
| Developer | labor Party. In addition to Ultra Al-Abadi |
3. AdaKami – Pinjol Legal OJK 2023
Adakami app is a digital platform that provides various financial services and solutions online. In Indonesian, “adakami” means “here we are” which shows that this app is here to provide various financial needs.
Adakami Legal Loan App provides a legal loan service without having to pay which makes it possible to apply for a loan without having to physically visit a financial institution. Users can apply for loans through a quick and easy process through the Adakami app.
Adakami Legal Long Term Loan Application also offers investment services that can help in developing and managing finances. Users can invest in various instruments such as mutual funds, stocks, bonds, etc. through the Adakami platform.
| Application name | Ada kami |
| Application size | 23 MB |
| Application version | 5.1.0 |
| Last updated | May 5, 2023 |
| OS | Android version 5.0+ |
| Developer | Indonesian Digital Finance PT |
4. Fast Rupee – Official Online Fund Loans
Fast Rupiah is one of the fast online liquid legal loans that provides low and easy interest legal loan services in Indonesia. OJK Legal Loan Application provides practical and quick access to individuals who need loan funds for urgent or financial needs.
Rupiah Fast Legal Loans 2023 List prioritizes the security of borrowers’ personal data. They use advanced security technology to protect borrowers’ sensitive information from unauthorized access or misuse.
Additionally, Rupiah Fast provides responsive customer support and is ready to assist borrowers with questions or issues that may arise during the loan application process. Our friendly and professional customer support team will provide the necessary assistance.
| Application name | Fast Rs |
| Application size | 13 MB |
| Application version | 3.0.3 |
| Last updated | May 11, 2023 |
| OS | Android version 5.0+ |
| Developer | PT Credit Utama Fintech Indonesia |
5. UKU – Best Legal Online Finance Loans 2023
UKU App is a semi-legal online loan that provides fast loan services and easy legal solutions for loan defaults in Indonesia. UKU, which stands for Money Credit Business, is here to meet the financial needs of individuals who need access to cash quickly and hassle-free.
Apart from that, UKU Legal Loan Application offers a quick and easy OJK Legal Loan process. Borrowers can apply for a loan via the UKU mobile app by filling out the application form and completing the required personal information and documents. The process is not complicated, so borrowers can quickly get approved for the loan.
One of the advantages of long term legal loans offered by UK university is the quick disbursement of funds. After the loan application is approved, the loan funds will be instantly transferred to the borrower’s account within a short period of time.
| Application name | UKU – Online financial loans |
| Application size | 34 MB |
| Application version | 6.8.2 |
| Last updated | May 1, 2023 |
| OS | Android version 5.0+ |
| Developer | PT Technology Merlin Sejahtera |
See also: 11 Fastest, Free, Fast-Paying Apps to Create DANA Balance
6. Singa – Fast online loan disbursement
SINGA is an online legal long-term loan that provides low interest and easy legal loan services in Indonesia. Singa, which stands for Easy Loan Information System, is here to meet the financial needs of individuals who need instant and practical access to cash.
Online legal loan application does not require payment, SINGA provides convenience and speed in obtaining financial loans. The quick and easy application process allows borrowers to apply for loans quickly without having to go through complicated procedures.
In addition, the rapid disbursement of OJK 2023 statutory loan funds allows borrowers to use the funds they need immediately.
| Application name | Singa – Online financial loans |
| Application size | 34 MB |
| Application version | 2.0.38 |
| Last updated | May 4, 2023 |
| OS | Android version 5.0+ |
| Developer | PT Ebadi Sijahtera Finansendu |
7. BantuSaku – OJK long-term loans online
BantuSaku is a legal long-term loan that provides quick and easy money lending services in Indonesia. With BantuSaku, individuals have practical access to cash. The OJK 2023 BantuSaku online legal loan application uses an efficient and automatic verification system.
This allows the verification of borrower data to be carried out quickly and accurately. This way, borrowers can get a loan approval decision immediately without having to wait for a long time.
| Application name | BantuSaku- OJK Loans Online |
| Application size | 42 MB |
| Application version | 2.2.4 |
| Last updated | May 3, 2023 |
| OS | Android version 5.0+ |
| Developer | labor Party. Smartek Technology Indonesia |
8. KTA KILAT – Official Online Secure Money Loans
KTA KILAT is one of the long-term legal online financial loan services provided online in Indonesia. With KTA KILAT, individuals can get cash quickly and without complicated collateral.
KTA KILAT then offers a choice of different loan amounts. Borrowers can choose the loan amount according to their financial needs. Thanks to this flexibility, borrowers can arrange loans according to their ability to repay
| Application name | Lightning KTA |
| Application size | 30 MB |
| Application version | 5.0.0 |
| Last updated | May 5, 2023 |
| OS | Android version 4.4+ |
| Developer | PT Pendanan Technology Noosa |
9. As for legal online financial loans registered with OJK
Asandi is a legal online loan application 2023 from OJK that provides easy and fast access to cash instantly. With Penyandi, individuals can apply for fast disbursal of statutory loans using a simple and practical process.
One of the advantages of a low interest legal loan from Asandi is the fast approval process. After submitting the OJK statutory loan application, the borrower will immediately receive an approval decision within a short period of time.
| Application name | As for |
| Application size | 48 MB |
| Application version | 4.0.8 |
| Last updated | May 5, 2023 |
| OS | Android version 5.0+ |
| Developer | labor Party. Techno alert information |
10. PinjamYuk – Disburse secure financial loans instantly
PinjamYuk is the best legal online money loan app which provides quick and easy access to get cash instantly. With PinjamYuk, individuals can apply for legal long-term financial loans online through a simple process.
PinjamYuk takes the security of borrowers’ personal data very seriously. They use advanced security technology to protect borrowers’ personal information from unauthorized access.
| Application name | Borrow it |
| Application size | 17 MB |
| Application version | 2.0.6 |
| Last updated | May 4, 2023 |
| OS | Android version 5.0+ |
| Developer | PT Kwai Kwai Tech Indonesia |
These are legal loan applications for 2023 from OJK that are immediately available and can be used easily. Decide which is the best legal loan application for you to choose and enjoy using!
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