Unsecured Online Loans and Credit Cards? Can it be?

While borrowing money online isn’t as easy as you borrowing money from a bank, there are certain conditions you must meet in order for your loan to be approved.

For those of you who want to apply online, the main requirement is that you must have an Indonesian Citizenship ID (WNI) and you must also stay in Indonesia. If you do not have a national ID you cannot apply for an online loan. So if you don’t or don’t have a national ID you can still apply for a loan.

Age Limit

Age Limit

The age limit of applying for a loan is that you must also be at least 21 years old and at least 55 years old. While there are some online lending providers that have relaxed conditions, people over the age of 18 can apply for a loan. For those of you who are under 21, you should not apply for a loan. Due to the maturity of the mindset, the 21-year-old’s thinking is more mature than the 18-year-old.

Income Limit

Online lending service providers have their own requirements especially for the fixed monthly income limit of potential customers. The economic conditions of each region also determine the minimum fixed income of their potential customers. In this case, the Regional Minimum Wage (UMR) is one of the determinants.

If your monthly income limit is above UMR, then most likely your loan will be approved. On the other hand, if your monthly income under your UMR loan application is undoubtedly difficult to approve.

Salary Slip

Salary Slip

For you an employee with a fixed salary this term can certainly be met, because if you do not have a guarantee or credit card to borrow you can still apply for a loan. These unsecured online loans and credit cards are perfect for those in need of urgent funds. You just have to attach your income letter to apply.

Due to the increasing sophistication of technology, the process of applying for a loan is all done online. You can simply download the online loan application of your choice. Hi guys, TimiKimi tells you how to apply for an unsecured online loan and credit card.

  • Open the online loan application that you have downloaded
  • Then choose the amount of loan you need. Remember, Buddy, apply for a loan based on the income you earn each month
  • Then follow the loan steps and you attach all the conditions necessary for the loan application. From the beginning, ID, ID, and Letter of income/payslip
  • When the application is complete, you will be notified by email or they will contact you by telephone if any other documents are required
  • The online lender will then look at all the documents if it is approved your loan can be liquidated on the day you apply for the loan.

Good Credit Loan Limit Options

Good Credit Loan Limit Options

The rapid development of technology has become an inevitable phenomenon, especially with the number of online lenders. One of the online lending providers is Good Credit. Lending at Good Credit is easy and fast. All you need is a photo of yourself, your Resident Identity Card (National Identity Card), your ID, and your income statement or pay slip.

Good Credit offers a number of loan products that you can choose from. There are two types of loans available in Good Credit namely short term and installment. You can choose according to your needs. 

You can apply for a loan starting from USD. 500k to USD. 5 million for 10-30 days. As well as daily service charges of 0.4% to 0.5%. If you make a payment you can get a 4% TK $ Rewards credit for your next loan.

  • Fast

As for the Fast product, it’s not much different. You can apply for a loan starting from USD. 500k to USD. 5 million with 10 to 30 days. With a daily service charge of 0.5%. You’ll also get 4% off $ Rewards for your next loan.

The amount you can apply for is from USD. 4 million to USD. 20 million with a 3 to 6 month tenor. Daily service charge is 2.75% to 7.75%. As well as short term products you can also get a 2% TK $ Rewards for future loans.

  • Premiere +

In the next product, the amount of the application will start from USD. 4 million to USD. 20 million with a 3 to 6 month tenor. With a daily service charge of 3% to 8%. And you will get 3% off $ Rewards for your next loan.

Understand the Procedures Before Borrowing

Understand the Procedures Before Borrowing

Unsecured loans and credit cards can be used for emergency purposes and will be very helpful for you to use them wisely. Before applying for a loan it is best to understand the procedures and conditions that apply so as not to become a burden later in the day.

But it’s only right that you want to apply for a loan to make sure you are registered as a citizen of Indonesia. Then you also have to pass the age limit set because of the maturity of someone viewed from the age of 21, also make sure you have a steady income. If you don’t have a fixed income every month, how can you make a loan when your daily needs aren’t there?

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